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Here are the 5 best cruise insurance plans

Cruise insurance can cover many situations, but you need to shop around to find the best coverage..

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A cruise is an ideal vacation for anyone who likes the all-inclusive concept , where you pay one price and have just about everything taken care of, from accommodations to meals and activities. But they also aren't always cheap and a lot of things can go wrong. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses.

CNBC Select analyzed 19 cruise insurance companies and selected the best plans for various situations. (See  our methodology  for more information on how we chose the best cruise insurance plans.)

Best cruise insurance

  • Best overall: Nationwide Travel Insurance
  • Best for affordable coverage : AXA Travel Insurance
  • Best for adventure excursions: World Nomads
  • Best for pre-existing conditions: Seven Corners Travel Insurance
  • Best for cancel-for-any-reason coverage: Travel Guard Travel Insurance

Best overall

Nationwide travel insurance.

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

Policy highlights

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

24/7 assistance available

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

Who’s this for? Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs.

Standout benefit: Nationwide's cruise-specific plans can cover things like emergency accidents, sicknesses, itinerary changes, mechanical breakdowns and other trip interruptions or on-ship disruptions. The company also offers a 10-day review period on its cruise policies (not available in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

[ Jump to more details ]

Best for affordable coverage

Axa assistance usa travel insurance.

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

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

Who’s this for? Budget-conscious cruisers should consider AXA . In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers .

Standout benefit: AXA's Silver Plan includes the standard coverage you need to protect yourself from delays and cancellations, as well as employment layoff coverage. This benefit reimburses you for prepaid and nonrefundable travel costs if you cancel because of involuntary layoff or you are terminated from your job. You only need to have been at your current employer for one continuous year to qualify, which is generous compared to other plans that require at least three continuous years of employment for this coverage — if it's even included at all.

Best for adventure excursions

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

  • Affordable coverage for many travelers
  • Coverage for adventure activities like scuba diving, bungee jumping and more
  • Lower trip cancellation limits than other travel insurance we reviewed

Who’s this for? World Nomads offers insurance underwritten by Nationwide , geared specifically toward thrill-seekers. The World Nomads Explorer Plan covers over 200 adventure activities and sports. With this plan, you can take part in just about any excursion without fear of negating your coverage .

Standout benefit: The World Nomads Explorer Plan covers baggage and personal items for loss, theft or damage for up to $3,000 and $1,500 per item. Sporting equipment is included in this coverage, so you can bring your golf clubs along on your cruise without worry.

Best for pre-existing conditions

Seven corners travel insurance.

Policies provide missed and delayed tour/cruise connection coverage. Cancel for any reason coverage and pre-existing conditions waiver are also available if you buy your plan within the specified time. ***CFAR and IFAR are subject to certain eligibility criteria and are not available in all states

  • High coverage limits available
  • Offers group insurance (10+ people)
  • Covers Covid-19 illness
  • Pre-existing conditions waiver not available for the Economy plan
  • Cancel for any reason not available for the Economy plan

Who’s this for? Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver.

Standout benefit: This plan's pre-existing conditions waiver for medical coverage applies to plans purchased within 20 days of booking and paying your initial trip deposit. That's a generous window compared to some plans which can require you to purchase insurance within seven to 14 days. If you don't purchase your coverage within the waiver window, this plan only considers conditions existing within the previous 60 days, whereas other plans may look back up to 120 days.

Best for cancel for any reason coverage 

Travel guard® travel insurance.

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

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

Who’s this for? AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage , wedding coverage and cancel for any reason coverage (CFAR).

Standout benefit: The optional CFAR insurance for this plan begins at 12:01 a.m. on the day after you pay for coverage and ends two days before departure (or when the travel is canceled). This benefit reimburses up to 50% of the trip cost (up to $25,000 maximum), which includes reimbursement for:

  • 50% of change fees
  • 50% of cancellation penalties for unused travel
  • 50% of award travel redeposit fees

More on our top cruise insurance plans 

Nationwide universal cruise plan.

Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. It offers strong coverage for many different scenarios, but if you're seeking higher levels of coverage or are taking a long cruise, you can opt for the Choice Cruise Plan, or the Luxury Cruise Plan, which offers the highest level of benefits.

Trip cancellation and interruption

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness .

Covered delays of six hours or more (or at least three hours for missed connections) are eligible for reimbursement of:

  • Up to $500 per day
  • $500 maximum

Medical coverage and evacuation and repatriation

  • $75,000 in emergency accident and sickness coverage
  • $250,000 in evacuation and repatriation coverage
  • $750 in emergency dental treatment coverage

Pre-existing conditions

No coverage for pre-existing conditions that fall within 60 days of your policy's start date.

Notable perks

All of Nationwide's cruise plans, including the Universal Cruise Plan, include cancel for work reason coverage, meaning you may be covered if you need to cancel because of work-related issues, as well as coverage for extension of the school operating session. The Universal Cruise Plan also provides coverage for delayed and lost baggage, which begins to kick in after delays of eight hours or more, as well as coverage for trip delays of three hours or more for missed connections or other trip delays of six hours or more. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250.

[ Return to summary ]

AXA Silver Plan

AXA offers three insurance plans, with the Silver Plan being the most affordable. The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage.

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness.

After a 12-hour delay or more, you're eligible for:

  • Up to $100 per day
  • Primary medical coverage of $25,000 per (covers Covid-19)
  • Evacuation and repatriation coverage of $100,000 per person

No coverage for pre-existing conditions that fall within this policy's 60-day look-back period.

AXA's Silver Plan comes with coverage for delayed and lost baggage, including $200 per person for covered delays of 24 hours or more and $750 per person ($150 per item) for lost baggage and items. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign only) or financial default of the travel provider (10-day waiting period applies). If a hurricane or bad weather causes your travel provider to cease services for at least 48 hours, you can be reimbursed for up to the full trip cancellation/interruption coverage. Notably, you must purchase the coverage before a storm is named.

World Nomads Explorer Plan

The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.

Covered up to the trip cost with a $10,000 maximum.

Covered delays of six hours or more are eligible for reimbursement of:

  • Up to $250 per day
  • $3,000 maximum
  • $100,000 in emergency accident and sickness coverage
  • $500,000 in evacuation and repatriation coverage

No coverage for pre-existing conditions that fall within 90 days of your policy's start date.

This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. And an accidental death and dismemberment benefit of $10,000. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase.

Seven Corners Trip Protection Elite

The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses.

Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.

Trip delays of six hours or more can qualify for reimbursement of:

  • Up to $300 per day
  • $1,500 maximum
  • $250,000 in emergency accident and sickness coverage
  • $1,000,000 in evacuation and repatriation coverage
  • $750 in emergency dental coverage

Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.

This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).

AIG Travel Guard Preferred

The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.

Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000).

Trip delays of five hours or more can qualify for reimbursement of:

  • Up to $200 per day
  • $800 maximum
  • $50,000 in emergency medical coverage
  • $500 in emergency dental coverage

A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.

With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000. You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip.

When should I buy insurance for a cruise?

It's usually best to purchase cruise insurance shortly after booking. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.

Is there a difference between travel insurance and cruise insurance?

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise.

Does cruise insurance cover missed ports?

Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for.

Bottom line

Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising. You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you.

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

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best cruise insurance plans.

Our methodology 

To determine the best cruise insurance plans,  CNBC Select  analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

We based premium costs on a sample cruise with the following details (when applicable):

  • 40-year-old male
  • Living in New York, New York
  • Sailing for seven days in April
  • Total trip cost: $2,800
  • Destination: Mexico
  • Flying to the port of departure

Sample quotes assumed that payments were made on the date of quoting.

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

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

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The Guide to Cruise Travel Insurance

Ramsey Qubein

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 .

Table of Contents

Look to your credit cards, first

What to consider if you buy a separate cruise travel insurance policy, what cruise travel insurance doesn't cover, how to shop cruise travel insurance options, is cruise travel insurance necessary.

Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. Whether you experience a flight delay, your car breaks down or you get sick, having a backup plan that will cover the cost of your trip, or at least help you get there without extra expense, can be essential. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left.

If you find yourself stranded at the pier long after your cruise has left, or aren't able to get to the pier at all, cruise travel insurance can help. These are some of the best travel insurance options for cruises.

» Learn more: The best travel credit cards right now

Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. It can even help if you arrive on time, but your bags do not. Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit.

Some of the popular credit card options that provide ample protections include:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Marriott Bonvoy Brilliant® American Express® Card . Terms apply.

United℠ Explorer Card .

You'll need to review the policy before the trip to decide if you need to purchase additional coverage.

» Learn more: What to know before buying travel insurance

If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise. Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage.

The longer you wait to buy cruise insurance, the higher the price may become.

Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port. This may come as a surprise for those who thought they were protected, which is why it can be wise to purchase additional coverage for a cruise.

Since medical treatment on a ship may be more expensive, and evacuation at sea may require a helicopter or small boat, having emergency coverage can be essential.

If you’re still deciding on additional protection, consider these factors:

Destination: Is it remote or far from an airport or medical facility? How difficult will it be for you to find medical care or leave the ship?

Length of stay: How long will you be traveling? If it's only a few days, the probability that you will need coverage is less than if the trip were longer or farther from home.

Credit card protections: Read the fine print of your credit card benefits. If you used that card to pay for your travel, you may already have protection in the event of trip delay or cancellation, missing or lost luggage, medical reasons or weather issues.

Personal liability: Will you be engaging in activities that may make you responsible for someone else’s injury? Will you be renting a car or participating in activities like boating, biking or motorized water sports? If you may be held liable for someone else’s injury, insurance can help protect you.

As important as knowing how you will be protected, it is also paramount to know what is not included.

For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered. Sometimes, there are specific carve-outs for such situations.

Another important factor to consider is COVID-19 protection , as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.

Some cruise insurance policies will cover itinerary changes. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered.

» Learn more: Should you insure your cruise?

There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. Still, policies vary.

If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. How long will you be gone? Where are you going? Do you have any pre-existing conditions? All of these things can affect the price of a policy that you purchase.

There are other respected insurance options like Travel Guard , which has policies specifically geared toward cruise trips. SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement.

Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises.

But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable.

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 Ultimate Rewards® 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 Ultimate Rewards®.

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.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

cruise insurance usaa

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.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

cruise insurance usaa

Seven Corners »

cruise insurance usaa

Travelex Insurance Services »

cruise insurance usaa

AXA Assistance USA »

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 Cruise Insurance Plans.

Table of Contents

  • Seven Corners
  • Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

  • Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
  • Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
  • Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

  • Seven Corners: Best Overall
  • Travelex Insurance Services: Best for Families
  • AXA Assistance USA: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

  • Up to 150% in reimbursement for trip interruption
  • Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
  • Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
  • Primary emergency medical expense coverage worth up to $500,000
  • Medical evacuation and repatriation of remains coverage worth up to $1 million
  • Political and security evacuation coverage worth up to $20,000
  • Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
  • Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

  • Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
  • Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
  • $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
  • $750 in coverage for missed connections (delay of at least three hours required)
  • Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
  • Emergency medical evacuation coverage worth up to $500,000
  • $1,000 in protection for baggage and personal effects
  • Up to $200 in coverage for baggage delays (at least 12-hour delay required)
  • Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

  • Trip cancellation coverage up to 100%
  • Trip interruption protection up to 150%
  • $1,250 in travel delay coverage ($300 per day)
  • $1,500 in protection for missed connections
  • Emergency accident and sickness coverage up to $250,000
  • Emergency medical evacuation coverage up to $1 million
  • Nonmedical emergency evacuation coverage up to $100,000
  • $50,000 in accidental death and dismemberment coverage
  • Baggage and personal item coverage up to $3,000
  • Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

  • Up to $75,000 in protection for emergency medical care
  • Emergency evacuation and repatriation of remains coverage worth up to $750,000
  • Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
  • Cruise interruption coverage for 150% of trip cost up to $37,500 per person
  • Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
  • Missed connection coverage worth up to $500 (for delay of three hours or more)
  • Cruise ship disablement coverage worth up to $500
  • Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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  • Plan Your Trip
  • Safety & Insurance

What Does USAA Travel Insurance Cover

Published: December 18, 2023

Modified: December 28, 2023

by Cairistiona Castle

what-does-usaa-travel-insurance-cover

Introduction

USAA is a well-respected provider of financial services, including insurance products tailored to the unique needs of military members and their families. Among the array of insurance offerings, USAA travel insurance stands out as a comprehensive solution for safeguarding travel plans and providing peace of mind throughout the journey.

Whether you’re embarking on a cross-country road trip, exploring international destinations, or simply heading to a neighboring state for a weekend getaway, unexpected events can disrupt your travel plans. USAA travel insurance is designed to mitigate the financial and logistical impact of unforeseen circumstances, allowing you to focus on enjoying your travels instead of worrying about potential mishaps.

In this article, we’ll delve into the specific coverages offered by USAA travel insurance, highlighting the key benefits and protection it provides for travelers. From trip cancellation and interruption coverage to emergency medical and dental benefits, USAA’s travel insurance is tailored to address a wide range of potential travel-related challenges. Let’s explore the details of each coverage to gain a comprehensive understanding of how USAA travel insurance can serve as a reliable companion for your journeys.

Trip Cancellation and Interruption Coverage

One of the most significant concerns for travelers is the potential need to cancel or interrupt a trip due to unforeseen events. USAA travel insurance offers robust trip cancellation and interruption coverage to protect your financial investment in the trip.

Imagine you’ve been planning a dream vacation for months, and suddenly, a family member falls ill, necessitating the cancellation of your travel plans. In such a scenario, the trip cancellation coverage from USAA can provide reimbursement for non-refundable trip expenses, such as airline tickets, hotel reservations, and tour packages, up to the specified coverage limit.

Similarly, if you encounter a covered event during your trip that forces you to return home prematurely, the trip interruption coverage can help reimburse the unused portion of your trip expenses and the additional transportation costs incurred due to the interruption.

USAA travel insurance considers various unforeseen events as valid reasons for trip cancellation or interruption, including illness, injury, or death of the traveler, a family member, or a travel companion; severe weather conditions that result in the complete cessation of common carrier services for at least 24 consecutive hours; and other unforeseen circumstances specified in the policy.

By offering comprehensive trip cancellation and interruption coverage, USAA travel insurance provides travelers with the confidence to plan their trips without the constant worry of financial loss in the face of unexpected events.

Emergency Medical and Dental Coverage

When traveling, especially abroad, unforeseen medical emergencies can be not only distressing but also financially burdensome. USAA travel insurance includes emergency medical and dental coverage to address such situations, offering travelers essential protection and assistance when facing unexpected medical needs.

In the event of an illness or injury during your trip, the emergency medical coverage provided by USAA can help cover eligible medical expenses, including hospital stays, ambulance services, and necessary medical treatments. This coverage extends to both emergency medical care and any subsequent follow-up care deemed medically necessary by a healthcare professional.

Moreover, USAA travel insurance’s emergency medical coverage typically includes emergency medical evacuation, ensuring that you receive the required transportation to the nearest appropriate medical facility or back to your home country if the situation warrants it. This feature is particularly crucial when traveling to remote or medically underdeveloped areas where access to adequate healthcare may be limited.

Additionally, the inclusion of emergency dental coverage in USAA’s travel insurance provides valuable support in the event of dental emergencies that occur during your trip. This coverage may encompass expenses related to the relief of dental pain, treatment for dental injuries, and other necessary dental care required while traveling.

By encompassing comprehensive emergency medical and dental coverage, USAA travel insurance offers travelers the assurance that they can access essential medical care and assistance, regardless of where their journeys take them.

Baggage Loss and Delay Coverage

USAA travel insurance provides valuable protection against the inconvenience and financial repercussions of baggage loss and delay, addressing common mishaps that travelers may encounter during their journeys. This coverage is designed to offer assistance and reimbursement in the event of baggage-related issues, ensuring that travelers can navigate such challenges with greater ease.

In the unfortunate event of baggage loss, where your belongings are permanently misplaced by a common carrier, USAA’s baggage loss coverage can provide reimbursement for the value of the lost items, up to the specified limit outlined in the policy. This can encompass personal belongings, clothing, electronics, and other essential items that are integral to your travel experience.

Furthermore, in the event of baggage delay, where your belongings are temporarily misplaced or delayed in reaching your destination, USAA travel insurance offers coverage for the purchase of essential items, such as clothing, toiletries, and other necessities, to help you manage during the interim period. This can alleviate the inconvenience and discomfort caused by the delay, allowing you to proceed with your travel plans while awaiting the arrival of your baggage.

USAA’s baggage loss and delay coverage extends support to travelers, offering peace of mind and financial recourse in the face of unexpected baggage-related challenges. By including this coverage in its travel insurance offerings, USAA demonstrates its commitment to addressing the practical needs and concerns of travelers, ensuring a more secure and enjoyable travel experience.

Rental Car Coverage

When embarking on a journey, many travelers opt for the convenience and flexibility of renting a car to explore their destination. However, navigating the complexities of rental car insurance and potential liabilities can be a source of concern. USAA travel insurance includes rental car coverage, providing travelers with essential protection and peace of mind when utilizing rental vehicles during their travels.

USAA’s rental car coverage encompasses various aspects, including collision damage waivers, which can help protect you from financial responsibility for damage to the rental vehicle due to collision or theft. This coverage can serve as a valuable supplement to the rental car company’s insurance offerings, offering comprehensive protection and potentially reducing out-of-pocket expenses in the event of an unforeseen incident.

Moreover, USAA travel insurance’s rental car coverage often extends to include liability insurance, offering protection in the event of third-party claims for bodily injury or property damage resulting from an accident involving the rental vehicle. This feature can provide travelers with crucial financial protection and legal assistance, ensuring that they can navigate potential liabilities with greater confidence.

Additionally, USAA’s rental car coverage may include coverage for loss of use charges imposed by the rental car company while the vehicle is undergoing repairs following an accident. This can help mitigate the financial impact of being unable to use the rental car during the repair period, offering added convenience and support to travelers.

By incorporating comprehensive rental car coverage into its travel insurance offerings, USAA demonstrates its commitment to addressing the diverse needs and potential challenges faced by travelers, ensuring that they can enjoy their journeys with greater security and confidence.

Accidental Death and Dismemberment Coverage

While no one wants to dwell on the possibility of accidents occurring during their travels, it’s essential to be prepared for unforeseen circumstances. USAA travel insurance includes accidental death and dismemberment coverage, offering travelers and their loved ones valuable financial protection and support in the event of tragic accidents.

In the unfortunate event of an accident resulting in the traveler’s death, the accidental death coverage provided by USAA can offer a lump-sum payment to the designated beneficiaries, providing financial assistance during a challenging time. This coverage serves as a crucial safety net, offering peace of mind and additional security for travelers and their families.

Furthermore, USAA’s accidental dismemberment coverage provides benefits in the event of the traveler suffering the loss of a limb or eyesight due to a covered accident. The financial support offered through this coverage can help alleviate the financial strain associated with such life-altering events, offering practical assistance during the recovery and adjustment period.

USAA’s accidental death and dismemberment coverage is designed to offer travelers comprehensive protection, ensuring that they can embark on their journeys with the knowledge that they and their loved ones have essential financial safeguards in place in the event of unforeseen accidents.

By including this coverage in its travel insurance offerings, USAA demonstrates its commitment to addressing the diverse and vital needs of travelers, providing a comprehensive safety net for unexpected circumstances.

24/7 Assistance Services

Traveling to new and unfamiliar destinations can be exhilarating, but it also comes with the potential for unexpected challenges. USAA travel insurance goes beyond traditional coverage offerings by providing access to 24/7 assistance services, ensuring that travelers have reliable support and guidance whenever they need it, regardless of their location or the time of day.

One of the key components of USAA’s 24/7 assistance services is access to a dedicated assistance hotline staffed by knowledgeable professionals who can provide guidance and support in various scenarios. Whether you encounter a medical emergency, require travel assistance, or need help navigating unforeseen circumstances, the 24/7 assistance hotline offers a valuable resource for travelers to seek assistance and information.

Moreover, USAA’s 24/7 assistance services often include access to a global network of medical providers and facilities, ensuring that travelers can receive timely and reliable referrals to trusted healthcare professionals and medical facilities, especially when traveling abroad or to unfamiliar locations.

In addition to medical assistance, USAA’s 24/7 services may encompass travel-related support, such as providing information on travel document replacement, offering guidance in the event of lost or stolen belongings, and facilitating communication with local authorities or service providers when necessary.

By offering comprehensive 24/7 assistance services, USAA travel insurance demonstrates its commitment to prioritizing the safety, well-being, and peace of mind of travelers. This round-the-clock support system ensures that travelers can navigate unexpected challenges with confidence, knowing that they have access to reliable assistance and resources whenever the need arises.

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  • Military Cruisers

USAA Travel insurance

By Sparkygirl , June 11, 2014 in Military Cruisers

Recommended Posts

Cool Cruiser

I've never purchased 3rd party travel insurance only through cruise line or last TA didn't offer it and then when we called to add it were told it as too late. As Murphy works that cruise my daughter had to be removed from the ship and was seen in 2 different hospitals. Thankfully other than some billing mix ups Tricare is covering her medical expenses but we lost the cruise and the week of an unexpected vacation in Orlando before she was cleared to travel home. I am now paranoid about having travel insurance. How does third party insurance such as usaa work? When /how do I purchase it?

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hunter14

I have been looking into the same for my upcoming cruise. I have checked http://www.travelguard.com( recommended on Cruise Critic) and it seems pretty good. Sorry I could not help with USAA info.

The best resource I have found for general information about travel insurance is here: http://tripinsurancestore.com They sell travel insurance, but their website also has a wealth of general information about how the insurance works and things to look for to make sure you're getting what you need. Another helpful site is http://travelinsurancebasics.com/index.htm

As far as buying through USAA, they sell travel insurance provided by TravelInsured. You find it by logging on to your USAA account, click the "Our Products" tab, and then in the bottom right of that box you'll see "Travel Discounts". Click that and the second item listed is Travel insurance. It takes you to a special version of the TravelInsured website just for USAA members. You put in your information and it gives you quotes for three different levels of plan. As far as I can tell, these are the same plans you can buy from TravelInsured (either directly or through another site such as tripinsurancestore or insuremytrip.com), but they are slightly discounted through USAA.

One interesting thing I recently learned is regarding US military members stationed overseas. According to tripinsurancestore, many insurance companies will not insure US citizens living overseas (even with an APO address). However, I specifically asked TravelInsured and they assured me by email that "Our policies covers all USAA members wherever you a located in the world." Just something to look out for if you're stationed overseas.

For the most complete coverage it's best to purchase within 14-21 days (depending on insurance company...for TravelInsured, it's 21 days) of initial deposit on the cruise. This gives you coverage for pre-existing conditions, so if someone (possibly even a family member not travelling) is being treated for a condition and takes a turn for the worse and you can't or decide not to travel, you are still covered by the insurance.

I have purchased the TravelInsured through USAA for our past several cruises. I can't say for sure how good it is because fortunately we've never had to use it! But the price is competitive and the coverage seems to be as well. I hope your daughter is doing well.

Like

The great thing about 3rd party insurance is that you can insure everything, not just the cruise, and you choose your level of coverage. It's also a lot cheaper than going directly through the cruise line. I'm pretty sure you can purchase it at any time prior to the trip, however it will only cover preexisting conditions if it's purchased within 21 days. USAA's travel insurance comes highly recommended. I will be using it myself for an upcoming cruise. The peace of mind is definitely worth it IMO.
  • 1 month later...

Kim_KS

We always buy our insurance through USAA because most travel insurance will not cover changes due to military orders. Since my husband is in the National Guard, we wanted to make sure we were covered if was called up and we weren't able to cruise. The USAA coverage includes this. We've been happy with their company so far - but have never had to make a claim.

cjnwildfire

I've never purchased 3rd party travel insurance only through cruise line or last TA didn't offer it and then when we called to add it were told it as too late. As Murphy works that cruise my daughter had to be removed from the ship and was seen in 2 different hospitals. Thankfully other than some billing mix ups Tricare is covering her medical expenses but we lost the cruise and the week of an unexpected vacation in Orlando before she was cleared to travel home. I am now paranoid about having travel insurance. How does third party insurance such as usaa work? When /how do I purchase it?     Sent from my iPad using Tapatalk

We too use USAA for our insurance when we travel. It is cheaper, covers EVERYTHING, not just the cruise and can be easily be accessed through your USAA account.

  • 4 months later...

satxdiver

Thanks for the tip on USAA. I need to check into it for our next cruises. I have always received good service from USAA.

englander

We always buy USAA's trip insurance. And once I did have to cancel a flight (it wasn't a cruise trip that time) because my son who we were going to visit got sick. Even though he was not traveling, he was a family member and so the insurance reimbursed us the full cost of our non-refundable tix. It was not a difficult process. So I always buy from them now.

luvtocruise08

Can you book through the cruise Lind then purchase the insurance through USAA separate?

Can you book through the cruise Lind then purchase the insurance through USAA separate?     Sent from my iPad using Tapatalk

Yes. That is how you must do it. Once you call USAA you need to give them your travel info.

Sent from my iPhone using Tapatalk

My USAA TA adds it on but if you book elsewhere you can purchase it yourself by just following the prompts from the USAA Travel Insurance link.

  • 2 months later...

I have always purchased Travel Insured. They offer a small discount over the "street" price when you are a USAA member. I have not made any claims. You can compare travel insurance policies using the insuremytrip Website. They have very useful comparison charting tools for a comprehensive list of policies from many insurers. When you see policies that you would consider, you can click "View Certificate" to read actual policy documents for complete features, coverage's, exclusions, conditions and limits for every policy.

Some features I would not do without are: (1) emergency medical care and evacuation (2) exemption for pre-existing conditions for emergency medical evacuation, because this may be a catastrophic expense (3) advance payment will be made to a hospital, if needed to secure your admission to a hospital (4) no condition that only emergency evacuation that is arranged by insurance agent will be covered, because a true emergency may not allow time for this (5) liberal and flexible coverages, such as offered by Travel Insured WW Trip Protector, or a policy that equals or beats it.

As for saving money, look for discounts such as USAA offers for Travel Insured and buy before a birthday, rather than after, as price varies by age on date of purchase. If you are seniors, each birthday for each person insured can cost you $30.00 or more.

You can buy this Travel Insured insurance when you book your cruise at USAA or afterwards. It can be purchase for cruises bought from other than USAA travel agents. If you buy more than 21 days following your first deposit, 60-days-worth of existing conditions apply for all except emergency evac & remains return.

--See you on Adventure of the Seas Jan. 9, 2016

have used other companies thru a travel agent and was very unhappy (broke a tooth and they didn't cover)...broke an arm with USAA and they changed an overseas flight to 1st class due to my immobility and handled everything beautifully. do purchase within 21 days of 1st payment/deposit to have preexisting covered.

scotlandbound

Pleased with this 3rd party travel insurance. Used for trips to Russia. Will be buying again for next cruise. No claims so far (knock on wood) but very impressed with their customer service and competitive price. You can still get it even if you are no longer a USAA member (price may be different though).

Theredofshaw

while I love USAA and many of their products, be careful with the insurance. it was cheaper, however, when I called in to make adjustments to coverages (adding major expenses such as flights and hotels as we booked them) they continuously mis-entered our dates by a year. wouldn't have noticed it until I received an email directly from USAA telling me to enjoy my upcoming trip (a year early). this happened 3 times over the course of a year with wrong dates ranging from 2 months to a year off from what the actual coverage period was supposed to be.

shebring02lx

shebring02lx

I had no idea that USAA offered travel insurance! Thank you so much for providing this information! I will certainly be looking into it for our upcoming cruise!

  • 3 weeks later...

cruiseonthebrain

The best resource I have found for general information about travel insurance is here: http://tripinsurancestore.com They sell travel insurance, but their website also has a wealth of general information about how the insurance works and things to look for to make sure you're getting what you need. Another helpful site is http://travelinsurancebasics.com/index.htm   As far as buying through USAA, they sell travel insurance provided by TravelInsured. You find it by logging on to your USAA account, click the "Our Products" tab, and then in the bottom right of that box you'll see "Travel Discounts". Click that and the second item listed is Travel insurance. It takes you to a special version of the TravelInsured website just for USAA members. You put in your information and it gives you quotes for three different levels of plan. As far as I can tell, these are the same plans you can buy from TravelInsured (either directly or through another site such as tripinsurancestore or insuremytrip.com), but they are slightly discounted through USAA.   One interesting thing I recently learned is regarding US military members stationed overseas. According to tripinsurancestore, many insurance companies will not insure US citizens living overseas (even with an APO address). However, I specifically asked TravelInsured and they assured me by email that "Our policies covers all USAA members wherever you a located in the world." Just something to look out for if you're stationed overseas.   For the most complete coverage it's best to purchase within 14-21 days (depending on insurance company...for TravelInsured, it's 21 days) of initial deposit on the cruise. This gives you coverage for pre-existing conditions, so if someone (possibly even a family member not travelling) is being treated for a condition and takes a turn for the worse and you can't or decide not to travel, you are still covered by the insurance.   I have purchased the TravelInsured through USAA for our past several cruises. I can't say for sure how good it is because fortunately we've never had to use it! But the price is competitive and the coverage seems to be as well. I hope your daughter is doing well.

Thank you for sharing this!! I couldn't figure out where to find it on the USAA site.

we have found Allianz insurance. To be less than USSA. when my husband compared and discussed it with USSA rep. They said benefits appeared to be the Same. we never booked a cruise with them as we find better p ices elsewhere

cruisertech

cruisertech

Thanks for sharing. Been USAA member since 1995, and love their products, EXCEPT the mortgage:)

Kindly clarify why it's suggest purchasing USAA Travel Insurance within 21-days of sailing. Thanks!

cruisin lady ca

I purchased insurance through USAA for my son (active duty AF) for our last cruise. The cruise had been booked through a TA (not USAA). As luck would have it, he received orders that prevented him from taking the cruise. Of course, this happened right after the final payment was made.

The claim was submitted to the insurance company. It was paid without any problems.

We were sorry he couldn't join us but quite happy to receive the money that was paid out for the cruise. The other person in the cabin got to keep the cabin without incurring any additional cost. So, it all worked out.

I must be doing something wrong. When I log onto USAA and it takes me to the 3rd party (I think it is travel Insured, but not 100% on the name). Anyway, it was higher than Carnival insurance price. Has that happened to anyone?

it is a 3rd party, however, does carnival cover everything that USAA's partner does? do a side by side to see.

  • 2 weeks later...

OHCruisers1984

OHCruisers1984

Thanks for sharing. Been USAA member since 1995, and love their products, EXCEPT the mortgage:)   Kindly clarify why it's suggest purchasing USAA Travel Insurance within 21-days of sailing. Thanks!

You can get travel insurance through Travel Guard that you buy right up to the cruise and it will cover pre-existing conditions. It is under "My Travel Guard". Been a member of USAA since 1984. They are easy to work with too.

  • 5 months later...

WupperAV

Be sure you have covered cost up to $25,000. for air evacuation. Otherwise, heart problem etc and you'll be out the additional expense.It is not worth the savings to skip it or get less.

From Durban S Africa to NY it can cost $125,000.

Life insurance is a company betting you'll die and you betting you won't.

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    MORE LIKE THIS Travel. Travel insurance can save you when you're in a pinch, and cruises are especially important to protect. Whether you experience a flight delay, your car breaks down or you ...

  12. Safe at Sea: 6 Best Cruise Insurance Plans

    By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible. Seven ...

  13. How To Buy The Required Travel Insurance For Cruises

    Disney Cruise Line's Requirements. Unvaccinated passengers age 12 and older, leaving from Florida ports (Aug 1. to Dec. 31, 2021) must produce proof of a travel insurance policy that covers at ...

  14. What Does USAA Travel Insurance Cover

    USAA travel insurance offers robust trip cancellation and interruption coverage to protect your financial investment in the trip. Imagine you've been planning a dream vacation for months, and suddenly, a family member falls ill, necessitating the cancellation of your travel plans.

  15. Cruises

    Exclusive member rates on Cruises with Member Travel Privileges, exclusively for USAA Members. Choose from over 10,000 cruises worldwide. 800.571.4208 Log in. Save on your ... Savings Credits may not be redeemed toward payment of any taxes, fees, travel insurance, shipping or handling charges. Each of Member Travel Privileges' products ...

  16. Cruise Insurance

    Bottom line — your cruise line may offer some protection. However, it will not provide the same amount of coverage available from traditional travel insurance.. A comprehensive travel insurance plan purchased from InsureMyTrip can cover the entire trip cost in addition to providing robust key benefits including emergency medical coverage, emergency medical evacuation, trip interruption, trip ...

  17. Overseas Insurance

    Overseas Insurance | USAA OVERSEAS INSURANCE Take us with you when you move overseas. Get auto, renters and Valuable Personal Property insurance for your time abroad. Where are you moving and what's required? Select a country to learn more about what you need to do before you move, while you're living abroad and when you come back to the States.

  18. Cruise Travel Insurance

    Cruise Insurance: Facts, Features and Benefits. Cruise coverage is a type of travel insurance. It reimburses vacationers when qualifying incidents result in monetary losses due to a cancellation or interruption. The insurer may also offer help if a traveler misses their connection en route to a cruise and misses the cruise itself as a result.

  19. USAA Travel Insurance

    USAA Travel Insurance is one of the best single-carrier programs available in the USA. It is backed by Travel Insured International, and offers a choice of four TII plans. The rates that are offered are available to USAA members only.

  20. Compensation soared for USAA's CEO and other executives in 2023

    Jerry Lara/Staff file photo Top executives at USAA saw their pay soar in 2023, with President and CEO Wayne Peacock getting a 68% increase. He received $8.1 million from five USAA insurance ...

  21. USAA travel insurance. Anyone use them?

    rae8836. USAA actually refers Travel Insurance to Travelguard. If you sign in to the USAA web site that site then switches you to Travelguard with the standard Travelguard offerings. I do believe the prices offered to USAA members (via the web site thing above) are lower than 'everyday' Travelguard prices.

  22. FAQs USAA Members

    Entering Cruise Destinations 4315 Views • Jun 27, 2022 • Knowledge Visiting More than One Destination 5791 Views • Jun 27, 2022 • Knowledge Can I Get a Refund on My Plan Cost Due to the Coronavirus? (USAA Members) 5307 Views • Jun 17, 2022 • Knowledge Can I Change My Trip Dates Due to the Coronavirus? (USAA Members)

  23. USAA Travel insurance

    You can buy this Travel Insured insurance when you book your cruise at USAA or afterwards. It can be purchase for cruises bought from other than USAA travel agents. If you buy more than 21 days following your first deposit, 60-days-worth of existing conditions apply for all except emergency evac & remains return.

  24. Insurance, Banking, Retirement & Investment Services

    Get coverage for as little as 33¢ a day. We make it easy to cover the stuff you love. And for a few cents more, you can even add extra protection to your electronics. Get a quote Learn more USAA Life Insurance Company and USAA Life Insurance Company of New York Life Insurance It costs less than you might think.

  25. Best Car Insurance For Drivers With Bad Credit Of 2024

    Best Travel Insurance Best Covid Travel Insurance Best Cruise Travel Insurance ... Nationwide - Good for Usage-based or Mileage-based Insurance; USAA - Best for Military Members & Veterans;