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Expat Travel Insurance: The 5 Best Options for Globetrotters

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Travelex Insurance Services »

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Allianz Travel Insurance »

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IMG Travel Insurance »

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 Expat Travel Insurance Options.

Table of Contents

  • Rating Details
  • Travelex Insurance Services
  • Allianz Travel Insurance

Americans living abroad for all or even part of the year have a different set of considerations when it comes to finding a travel insurance plan. For example, expats may not need coverage for the same issues as people taking regular vacations, such as trip cancellations and interruptions, trip delays, and lost or delayed baggage. Instead, expats often primarily need health insurance or medical insurance for travel that works both at home and abroad, as well as coverage for emergency medical evacuation.

That said, not all travel insurance companies cover preexisting conditions within their trip insurance plans for expats. Further, some insurance providers limit coverage in a traveler's home country, especially for those who would normally reside in the United States. That's why, ultimately, U.S. citizens living abroad need to compare health plans that can work when they're away based on their coverage options, limitations and costs. Read on to find out which expat insurance plans U.S. News recommends and what each plan has to offer.

  • Travelex Insurance Services: Best Premium Coverage for Expats
  • Allianz Travel Insurance: Best for Comprehensive Coverage
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • GeoBlue: Best for Medical-Only Coverage
  • IMG Travel Insurance: Best Travel Health Insurance for Seniors

Best Expat Travel Insurance Options in Detail

Kids-included pricing

Preexisting conditions coverage available

Coverage can be expensive

  • Trip cancellation coverage worth up to 100% of the trip cost (maximum of $50,000)
  • Trip interruption coverage worth up to 150% of the trip cost (maximum of $75,000)
  • Travel delay coverage worth up to $2,000
  • Missed connection coverage worth up to $750
  • Emergency medical coverage worth up to $50,000 (dental limit of $500)
  • Emergency medical evacuation and repatriation coverage worth up to $500,000
  • Baggage and personal effects coverage worth up to $1,000
  • Baggage delay coverage worth up to $200 (12-hour delay required)
  • Sporting equipment delay coverage worth up to $200 (24-hour delay required)
  • Accidental death and dismemberment coverage worth up to $25,000

Includes a range of comprehensive travel insurance benefits

Coverage can be purchased on an annual basis

Annual plan coverage lasts for trips of up to 45 days at a time

  • Trip cancellation coverage worth up to $3,000
  • Trip interruption coverage up to $3,000
  • Emergency medical coverage up to $20,000
  • Emergency medical transportation insurance up to $100,000
  • Baggage loss and damage coverage up to $1,000
  • Baggage delay coverage up to $200
  • Travel delay coverage up to $600
  • Rental car damage and theft coverage up to $45,000
  • Travel accident coverage up to $25,000

150-plus adventure sports are covered

Choose the level of protection you need

Preexisting conditions typically not covered

  • $10,000 in insurance for trip cancellations
  • $100,000 in coverage for emergency medical expenses
  • $500,000 in coverage for emergency medical evacuation
  • $3,000 in protection for your bags and gear

Get comprehensive travel health insurance that works anywhere in the world

Customize your policy to suit your unique needs

Comes without coverage for trip cancellations, baggage and more

Travel medical coverage can be extended for up to 12 months

Limits can be high based on age and other factors

Deductibles of up to $2,500 can apply

No ongoing coverage for preexisting medical conditions

  • Up to $250,000 in protection for emergency medical evacuations
  • Prescription drug coverage
  • Up to $50,000 in coverage for repatriation of remains
  • Up to $50,000 in protection for political evacuations

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering personal finance, travel and insurance topics 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, which has led to her having personal experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family business.

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Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

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Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

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Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

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Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

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Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

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Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

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You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

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International Health and Travel Insurance Offerings from IMG

IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

Travel Insurance Questions Answered

How to choose the best travel protection plan for you, the cost of increased flight delays & cancellations: how travel insurance can help, is travel insurance worth it, select why you are away from home., get plan recommendations and helpful resources., government services, give us a call, have any questions we’re here to help you, 866-263-0669.

You can find more information on health, travel, tourism, and insurance on our blog, Global Connect.

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  • Travel Insured International Travel Insurance Review

On This Page

  • Key takeaways

Is Travel Insured International legit?

  • Bottom line Main highlights of Travel Insured International travel insurance

Travel Insured International travel insurance plans & coverage

Things not covered by travel insured international travel insurance, cost of travel insured international travel insurance plans, travel insured international travel insurance reviews from customers, is travel insured international travel insurance worth it, faq: travel insured international travel insurance, related topics.

Travel Insured International Review for 2024

Hayley Harrison

With over 25 years in the industry and an impressive A+ rating from the Better Business Bureau , Travel Insured International stands out as a reliable choice for a travel insurance provider.

The company caters to various travel needs by offering flexible plans and comprehensive coverage options .

In this guide, we’ll explore Travel Insured International’s insurance plans and customer experiences to help you determine if it’s the right fit for your travel insurance needs.

  • Travel Insured International is a well-established travel insurance provider with over 25 years of experience .
  • Travel Insured International offers three travel insurance plans .
  • Though they vary in coverage, they all include protection for trip cancellation, delays, medical evacuations and lost baggage . 
  • You can purchase add-ons to further extend your coverage . These include cancel for any reason (CFAR) coverage, rental car damage coverage, event ticket registration fee protection and coverage for work-related cancellations.
  • To compare multiple plans and find the one that best suits your needs, we recommend using our online comparison tool .
  • Annual and single-trip policies are available
  • High non-medical evacuation coverage
  • Travel and baggage delay coverage after only 3-hour delays
  • Travel inconvenience upgrades available
  • Basic plan offers only medical coverage for seniors
  • Limited medical coverage compared to competitors

Yes, Travel Insured International is a completely legit and great travel insurance provider . It’s a veteran of the industry with over 25 years of experience insuring travelers on trips around the world. 

The Better Business Bureau awarded Travel Insured International an A+ rating and accreditation as a sign of its longtime history of industry savvy and attentive customer service. Plus, it’s backed by Crum & Forster, an insurance company in operation since 1822. 

For an in-depth look at the benefits of Travel Insured International’s travel insurance, take a look at the highlights below. 

Bottom line: Main highlights of Travel Insured International travel insurance

One of Travel Insured International’s main benefits is its flexibility. 

The provider offers a wide range of plans for travelers to choose from. Some plans even offer free coverage for children , making this a great option for families.

Travel Insured International plans offer primary coverage with high medical and medical evacuation limits , thus casting a wide net of protection should an incident occur and giving you greater peace of mind in light of unexpected events.

Travel Insured International offers three single-trip insurance policies through our comparison tool . 

These plans vary in specific coverage, though they all offer compensation for trip cancellation, delays, medical evacuations and lost baggage.

Travel Insured International

Here’s a quick overview of each plan and its range of coverage:

Worldwide Trip Protector:

This plan comes with numerous benefits, including 100% trip cancellation, 150% trip interruption, $100,000 for medical expenses, emergency medical evacuation coverage and missed connection protection. It’s a good plan for well-rounded coverage that includes many common travel mishaps.

Worldwide Trip Protector Plus:

This policy also offers 100% trip cancellation coverage , 150% trip interruption and $100,000 for medical expenses. Other benefits are cancel for any reason and interrupt for any reason coverage (CFAR and IFAR, respectively), meaning you can be reimbursed if your trip is cut short or called off. Also included is rental car damage protection, which can be added to the other two plans for an additional fee. Though more expensive, this option is good for those who want an extra layer of protection.

Worldwide Trip Protector Edge:

Included in this plan is 100% trip cancellation, 100% trip interruption, $10,000 for medical expenses, $100,000 for medical evacuation and $750 for baggage protection. Some benefits, like those for medical expenses and evacuation, can be increased with an optional upgrade. Though it has fewer benefits than the previous two plans, this budget-friendly policy is customizable for those who want more control over their coverage.

Here is a brief look at how each plan differs:

Travel Insured International also offers one annual multi-trip travel insurance policy , the Annual Multi-Trip Protector. This policy includes coverage for medical expenses and evacuation as well as typical post-departure benefits like trip interruption and loss of personal belongings. Unlike single-trip coverage, this policy has an extended term and protects any trip you take during that window. 

Optional add-ons

For greater protection during your trip, Travel Insured International offers several add-on benefits . These aren’t typically included in standard insurance policies but will extend coverage even further for an additional fee. Here are four upgrades you can add to your plan:

Cancel for any reason (CFAR) 

Even with extensive planning, sometimes a trip must be unexpectedly canceled. To protect against surprise cancellations, consider adding cancel for any reason coverage  to your travel insurance plan. With this benefit, you’re eligible for reimbursement of nonrefundable trip costs that aren’t otherwise covered by your policy.

Rental car damage coverage 

This optional add-on keeps you protected in the event your rental car is damaged or stolen. Covered damage includes collisions, vandalism, natural disasters and any other situation beyond your control that occurs while the car is in your possession. If you plan to rent a car during your trip, this add-on might be a worthy addition to your insurance policy. At Travel Insured International, the maximum benefit amount for rental car coverage ranges from $25,000 to $50,000.

Event ticket registration fee protection 

If a ticketed event is part of your trip itinerary, you might consider adding registration fee protection to your travel insurance plan. This optional coverage can be tacked on to any Worldwide Trip Protector policy and will reimburse you for the cost of unused event tickets or registration fees. To be eligible, your tickets must be listed as nonrefundable by their distributor, and your reason for not attending the event must be on the list of covered unforeseen circumstances. If this is the case, you may receive up to $1,000 worth of reimbursements.

Cancel for work reasons 

Unexpected work obligations can put a hold on your travel plans, potentially leaving you at a financial loss. If you think work might pull you away from your trip, extra coverage for work-related cancellations may be a useful addition to your plan. With this add-on, the full cost of your trip can be reimbursed, assuming your situation falls under the list of covered scenarios, which includes being required to work on the trip. For this coverage, the maximum benefit amount is 75% of the total trip cost.

Like any travel insurance policy, some benefits aren’t included in Travel Insured International’s plans. 

Depending on the policy you choose, things that aren’t covered include:  

  • Loss of audio or visual aids, like eyeglasses, contacts or hearing aids 
  • Injuries caused by self-harm 
  • Losses incurred while you were under the influence of drugs or alcohol 
  • Injuries caused by participation in extreme activities (think skydiving) 
  • Routine check-ups or dental exams 
  • Mental health emergencies, unless they require hospitalization

According to our sales data, visitors who purchased a Travel Insured International plan through our website spend an average of $102 for travel insurance for a two-week trip. This equates to an average cost of $8.58 per day for travel insurance .

To give you a better idea of how much plans from Travel Insured International cost, we got multiple quotes for each plan to five different countries and found the average cost for each.

Average Cost of Travel Insured International Plans

While these serve as an estimate, keep in mind that these numbers are for example purposes only, and your own costs will vary based on the specific parameters of your trip. We recommend getting a quote for updated pricing.

Methodology for reaching these averages:

We applied the following parameters to each quote:

  • Total trip cost : $2,000
  • Trip duration : Seven days
  • Time of trip : September 2024
  • Destinations: The Bahamas , Italy , Mexico , Thailand , & Kenya

Since your state of residence determines which plans are available, we got quotes in California for the Worldwide Trip Protector plan and the Worldwide Trip Protector Edge. For the Worldwide Trip Protector Plus plan, our quotes were based on a resident of New York.

Taking a trip insured by Travel Insurance International gives customers a unique perspective of the company’s effectiveness. If you’re considering a plan from this provider, customer reviews can help you make a more informed decision. 

On Squaremouth , Travel Insured International has more than 3,300 reviews with an overall rating of 4.39 out of five .

Here’s what customers like and dislike about Travel Insured International.

What customers like

Customers have plenty of good things to say about Travel Insured International. Some commonly mentioned positives are:

  • Flexibility 
  • Comprehensive policies 
  • Knowledgeable staff 

“Very knowledgeable staff when you call. Have used before and will use again. Very flexible options from medical only to full trip cancelation coverage.” -  Howard

“The settlement was exactly as we had expected based on our documentation and receipts.” -  Kathleen

What customers don’t like

Some customers had less-than-stellar experiences. Some frequently mentioned areas for improvement include:

  • Hard-to-reach customer service 
  • Tedious claims process 
  • Miscommunication 

“Horrible customer service. Took days for a reply to email. Never was able to get it resolved before I left.” -  Kathryn  

“Our trip was interrupted due to COVID. I expected some help from their “concierge” line, but after waiting 50 minutes on hold I received nothing except “file a claim once you’re home.” Literally zero help arranging alternate transportation or hotel.” -  Joseph

Overall, Travel Insured International is undoubtedly a high-quality travel insurance provider. 

With a thorough range of benefits and an extensive list of optional add-ons, it’s clear why the company is a top-rated insurance provider among travelers. Its three policies each cover a standard selection of vacation mishaps, including trip cancellation and interruption, medical expenses and lost baggage. 

If you’re looking for an excellent range of coverage with customizable add-ons and family-friendly prices, Travel Insured International may be the right provider for your next trip . If you’re looking for higher maximum limits and easier claims processes, however, you might be better off looking elsewhere for your travel insurance.

What is covered under Travel Insured International insurance?

The policies offered by Travel Insured International vary in coverage. Depending on your chosen plan, you can expect insurance benefits designed to protect your health, finances and personal belongings. 

Covered items include:  

  • Trip cancellation and interruption 
  • Missed connections 
  • Rewards points reimbursement 
  • Nonmedical evacuation 
  • Accident and sickness expenses 
  • Lost or stolen baggage 
  • Baggage delay

Does Travel Insured International travel insurance cover COVID-19?

Yes, COVID-19 is included in Travel Insured International’s coverage . This insurance provider treats COVID-19 as it would any other sickness, meaning you’re covered for a range of losses that it might lead to. This includes things like trip interruption or cancellation, medical evacuation and medical expenses. For some plans, medical insurance terms require the COVID-19 diagnosis to be confirmed by a physician rather than relying on the results of an at-home test. 

The same guidelines that dictate whether an illness counts as a pre-existing condition apply to cases of COVID-19. If your chosen plan includes a pre-existing medical condition exclusion waiver , any losses that occur are likely to be covered.

Does Travel Insured International offer ‘cancel for any reason’ coverage?

Cancel for any reason coverage, or CFAR, is available as an optional add-on to most plans at Travel Insured International. Under this coverage, you’re eligible for reimbursement of any unused, nonrefundable payments or deposits you made when planning your trip. If your trip is canceled for reasons not otherwise covered in the plan, you can recover a portion of the trip cost up to the set maximum benefit amount. 

CFAR applies only when it’s added to your plan during a specified time period and the trip is canceled no later than 48 hours before your scheduled departure. It’s important to note that this doesn’t cover travel arrangements paid for but not provided by a third-party travel agency.

Does Travel Insured International have international travel insurance?

Yes, Travel Insured International offers travel insurance for international trips. This means your coverage will remain in effect when you’re outside your home country, so any sickness or accidents you incur abroad are likely eligible for coverage. Some benefits, like emergency medical evacuation, are included specifically for international travelers.

Hayley Harrison

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers help make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

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Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

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

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

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 travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. 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 travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel 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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