best annual travel insurance plans

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

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 Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

You might also be interested in:

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Holly Johnson

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

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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GeoBlue Trekker Choice

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

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

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The Best Annual Travel Insurance Plans (2024)

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Annual travel insurance can provide travelers with protection for multiple trips in one year. After researching and reviewing travel insurance companies nationwide, the MarketWatch Guides team found that Seven Corners and Trawick offer the best annual travel insurance plans. International Medical Group, Allianz and AIG Travel Guard also offer annual plans worth considering.

What Is Annual Travel Insurance?

Annual travel insurance — also known as multi-trip travel insurance — can protect multiple trips over a year. For frequent travelers planning several vacations in a year, an annual travel insurance plan can offer a more economical option than purchasing multiple single-trip policies. With annual travel insurance, you should only pay one premium for a year’s worth of coverage.

While each annual travel insurance plan varies by provider, you may find that per-trip or yearly coverage limits apply rather than item-specific limits. In addition, some coverages found with single-trip policies are not typically included in an annual travel insurance plan, such as trip cancellation insurance, baggage loss and rental car coverage. Providers may also not offer the option to add cancel for any reason (CFAR) coverage with an annual plan. Annual travel insurance usually focuses more on medical protection versus a broader range of coverages, based on our assessment.

The 5 Best Annual Travel Insurance Plans

Based on our team’s extensive research on annual, multi-trip travel insurance plans, we’ve named the following as our top picks. 

• Seven Corners : Trip Protection Annual Multi-Trip
• Trawick International : Safe Travels Annual Basic
• International Medical Group (IMG): Patriot Multi-Trip Travel Medical
• Allianz Travel Insurance: AllTrips Premier
• AIG Travel Guard: Annual Plan

Seven Corners Travel Insurance

Pros and Cons

Why we picked seven corners.

Seven Corners provides annual coverage through its Trip Protection Annual Multi-Trip plan. The plan includes COVID-19 protection, trip cancellation insurance and pre-existing condition coverage as standard, and allows for unlimited trips lasting 40 days or less throughout your policy term. You can also customize your annual trip cancellation limit, with up to $10,000 in total benefits.

Trawick International

Why We Picked Trawick

If you’re looking for basic coverage at a low cost, Trawick International offers its Safe Travels Annual Basic plan for a flat rate of $155 per person. Coverage extends up to 30 days for each trip taken more than 100 miles from home during your coverage period and can apply to both U.S.-based and international trips. While Trawick features lower coverage limits than other providers on our list, it offers 100% trip cancellation coverage at no additional cost.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) provides the highest medical coverage maximum of all the providers on our list through its Patriot Multi-Trip Travel Medical plan. The policy offers protection of up to $1 million after paying a $250 deductible for medical benefits, dental, emergency medical evacuation and more. IMG also provides medical and emergency medical evacuation coverage if you have a sudden and unexpected recurrence of a pre-existing condition. Note that you can upgrade your plan to allow for 45 days of coverage per trip versus 30 days.

Allianz Global Assistance

Why We Picked Allianz

The Allianz AllTrips Premier plan provides annual travel insurance coverage for your entire household through one plan — regardless of whether you travel separately or together. The plan includes trip cancellation and interruption benefits as standard coverage, but you can customize the coverage limits at an additional cost. The AllTrips Premier plan also provides rental car coverage, which most providers in this review lack.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard (AIG) offers one annual travel protection policy, called the Annual Plan. It provides non-flight accidental death and dismemberment coverage up to $50,000, which is not typically included in other yearly policy offerings based on our review. AIG also offers up to $100,000 specifically for security evacuations. Note that there is no age limit to purchasing a policy — the only requirements include holding U.S. residency and buying the policy no later than 24 hours before departure.

Compare Annual Travel Insurance Plans

You can refer to the table below for a side-by-side comparison of our team’s picks for the best annual travel insurance policies.

* Our team gathered quotes from each provider’s website for the above-listed plans based on a 30-year-old sample traveler.

How To Choose an Annual Travel Insurance Plan

There are several steps you can take to help make the process of choosing an annual travel insurance plan easier while ensuring you pick the right plan for your needs as a traveler.

First, it is best practice to research providers before choosing an annual travel insurance plan. Not all travel insurance providers offer this type of policy, and for the ones that do, we recommend you consider industry and customer reputation when making a decision. Note the coverage limits, medical benefits and any additional add-ons each company offers. While the providers listed in this article are our top picks for annual coverage, every traveler’s needs and best-suited plan will vary.

If you have your travel itinerary for the year mapped out and know what you’re looking for in terms of coverage, consider an annual plan that aligns with your needs and concerns. For example, if you have a pre-existing medical condition , you may consider a provider that provides a pre-existing condition waiver and high medical coverage limits. If you’re more concerned about cancellation coverage, you may choose a plan that offers this type of protection, which not all companies include in their annual plans.

How Does Annual Travel Insurance Work?

Annual travel insurance works by covering a traveler during multiple trips over the course of a year. There’s usually no limit to the number of trips you can take during this time. However, companies do include limits on how long each trip can last under coverage. This limit varies by provider, but a standard threshold is a maximum of 90 days based on our review.

Some annual travel insurance benefits work on a per-trip or per-year basis. For example, a yearly plan may have a baggage loss limit that resets every trip, while it sets separate limits for trip interruption benefits for an entire year of travel. Plans are typically non-renewable, so once your coverage is up, you would have to buy a new plan to cover another year of travel.

After purchasing a plan, coverage begins on the effective date, which your provider should list within your policy documents. Coverage ends on your policy’s expiration date, which your provider should also detail within your policy. How long coverage extends per trip, and the associated coverage levels, will depend on your provider.

We recommend you read your policy carefully to ensure you fully understand the applicable limits of your annual travel insurance plan.

Benefits of Annual Travel Insurance

The benefits of an annual travel insurance plan include low costs compared to purchasing individual plans, convenience and consistent coverage across all of your trips. Learn more in the sections below.

Cost-Efficiency

Annual travel insurance plans are often more cost-efficient than several single-trip policies, according to our quote collection process. If you’re taking more than one or two trips within a year and looking for coverage on a budget, you may consider an annual travel insurance policy.

Convenience

Purchasing one travel insurance policy to cover a year’s worth of multiple trips is easier than buying several single-trip policies. You only need to worry about one set of terms, conditions, policy limits and more instead of juggling multiple plans.

Consistent Coverage

An annual travel insurance policy can ensure that coverage stays consistent throughout your travels. You can take trips of varying lengths to different destinations, but your coverage and benefits should remain the same within your term limits.

Drawbacks of Annual Travel Insurance

As with most types of insurance, there are both pros and cons to annual travel plans. These drawbacks include limited benefits and a variety of exclusions, which we’ll detail below.

Variety of Exclusions

Many providers do not include trip cancellation coverage if you purchase a basic annual policy. While some providers allow you to add these benefits to annual policies for an extra cost, coverage is not typically included as standard as with a single-trip policy.

Offers Lower Limits

Annual travel insurance limits are often lower than with a single-trip policy. If you’re looking to insure a costly trip or need a plan with high medical coverage limits, you may want to consider a single-trip plan instead.

Annual Travel Insurance vs. Single Trip Travel Insurance

You will likely notice differences and similarities when comparing annual travel insurance versus single-trip travel insurance policies. For one, both yearly and single-trip policies usually bundle travel medical, emergency medical evacuation, baggage loss, baggage delay and travel delay coverage within a standard policy . Single-trip policies, however, often include trip cancellation benefits, which many annual policies only offer as an add-on.

Both annual travel insurance and single-trip policies limit the length of trips covered. For yearly plans, limits can range from 30 to 90 days for a single trip, and you’ll need to head back to your home base in between trips. For a single-trip policy, plans often limit trip length to no longer than 180 days.

Cost Differences Between Annual and Single-Trip Travel Insurance

Annual multi-trip policies can be more cost-effective than single-trip coverage for frequent travelers, based on our review. Typically, single-trip policies may benefit travelers taking one or two trips in a year. Annual travel insurance is usually more suited for those who travel often, taking upwards of three trips or more within a year’s time.

There are times when a single-trip plan may better suit your needs compared to an annual policy. For example, if you are taking high-end, luxury trips with a high overall cost, you may benefit more from single-trip policies for each trip with high cancellation and interruption limits.

Who Needs Annual Travel Insurance?

Various types of travelers could benefit from an annual coverage plan. A multi-trip travel insurance plan is worth considering if you travel frequently for business or pleasure and do not need coverages such as trip cancellation insurance. Annual insurance may also suit travelers who like to take last-minute trips or longer vacations, as having an annual travel insurance plan in place can offer more convenience.

Annual plans are also worth considering for lower-cost trips where the primary concern is covering a potential medical emergency. As mentioned, annual plans do not usually offer trip cancellation coverage as a standard inclusion. However, they typically include medical expenses and emergency medical evacuation coverages — ideal for those looking to protect their health versus trip expenses during their travels.

If you’re taking expensive or high-value international trips throughout the year, you may prefer a single-trip policy for the trip cancellation benefits that come with each plan. Or, if you’ve booked a variety of non-refundable expenses, such as hotel or tour reservations, a single-trip plan with cancellation coverage may also better suit your needs.

What Does Annual Travel Insurance Cover?

Annual travel insurance policies offer a variety of coverages to offer financial protection if  unexpected events occur. From medical emergencies to travel inconveniences, yearly plans can provide comprehensive coverage for peace of mind.

Exclusions and Limitations of Annual Travel Policies

Annual travel insurance policies usually have the same exclusions as single-trip policies. Typically, pre-existing medical conditions are not covered. Still, some providers offer a waiver to extend coverage for medical bills or claims related to your recent medical history. Standard annual policies don’t cover adventure sports, but this coverage is often available as an add-on. Moreover, “foreseeable” events, such as natural disasters or named storms that began before you purchased your policy, are also excluded from annual travel coverage.

The coverage provided through an annual travel insurance policy also has limitations. For example, travel medical expenses and emergency medical evacuations have capped monetary limits. If the medical bills incurred during your travels cost more than the coverage you’ve purchased through your policy, you will have to cover the excess out-of-pocket. In addition, trip interruption benefits will cover a percentage of your non-refundable travel expenses, with the amount depending on your plan and provider.

According to Angela Borden, Product Marketing Specialist at Seven Corners, “One of the most common reasons for a denied claim is because a traveler misunderstood the details of their plan. If you have any questions about what’s covered, contact your provider. They’ll be able to address any concerns so that you can travel more confidently.”

We recommend you read through your annual travel policy documents thoroughly to understand the exclusions and limitations associated with your coverage. 

How To Buy Annual Travel Insurance

Purchasing an annual travel insurance policy is usually a straightforward process, as most providers allow you to get a quote and buy a policy entirely online. However, there are some specifics to pay attention to when purchasing a policy. 

Coverage Start and End Dates Vary

It is best practice to pay attention to when your coverage starts and ends with your chosen policy. Most providers specify the start date as when you begin your travels. Plans will likely end a year after your start date or when your benefits are exhausted, whichever comes first. Coverage for each trip cannot exceed the specified maximum length outlined in your policy, so take note of the stipulations around coverage start and end dates.

Understand the Claims Process

It can help to understand how to file a claim with your provider before an emergency occurs during your travels. Many companies allow you to file a claim online, but you can often speak with a claims representative during specified hours if you’d prefer to talk to someone over the phone. You’ll likely have to provide documentation for your claims, so we recommend you keep all receipts and other necessary documents during your travels.

Look for Add-On Options

Some annual travel insurance providers offer optional add-on coverages for an additional cost. You may find that you can customize your coverage limits as well. For example, Allianz and Seven Corners allow you to choose your trip cancellation coverage limits, but increasing the amount can result in an additional cost. Other companies, such as IMG, provide adventure sports riders for those looking to participate in activities such as paragliding, skydiving, windsurfing and more.

Is Annual Travel Insurance Worth It?

Annual travel insurance plans can be worth it for certain travelers . If you travel frequently for business or pleasure and prefer consistent, cost-effective insurance protection, an annual multi-trip policy may be the right choice for you over a single-trip policy. However, examining your unique coverage needs can help you better gauge whether you need a yearly policy.

“When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason. This means you get money back in your pocket if the unexpected happens. Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip.” Angela Borden, Product Marketing Specialist at Seven Corners

We encourage you to gather multiple annual travel insurance quotes from various providers, comparing the costs and coverage limits on each policy. This can help you choose the coverage that best fits your needs.

Frequently Asked Questions About Annual Travel Insurance

What is the difference between annual multi-trip and long-stay trip insurance.

Annual multi-trip travel insurance covers multiple short-term trips — usually lasting 90 days or less — over the course of a year. Comparatively, long-stay trip insurance protects extended trips to one location and can be ideal for those working or studying abroad , taking a gap year and more.

Is an annual travel insurance plan worth it?

Annual travel insurance plans can be worth it for people who travel frequently and want affordable, consistent protection throughout the year. It may not be worth it for travelers looking for protections such as CFAR coverage or general trip cancellation benefits.

How much does annual trip insurance cost?

The average cost of annual trip insurance can range from $155 to $485 , based on quotes we gathered for multiple companies. The cost of an annual trip insurance policy will depend on factors such as your chosen plan, provider, coverage limits, add-on coverages and more. The best way to learn how much an annual multi-trip plan will cost you is to obtain free quotes from multiple providers.

Methodology: Our System for Rating Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

Best Annual Travel Insurance 2024 [Multi-Trip Insurance]

Home | Travel | Best Annual Travel Insurance 2024 [Multi-Trip Insurance]

Annual travel insurance is the most convenient option for frequent travelers who want to travel stress-free and save some money at the same time. However, it is not the same as long-term travel insurance , which provides coverage for every day of a long-term trip that can last a year or longer.

Yearly travel insurance covers the multiple, shorter-term trips you take within 365 days so that you don’t have to waste time and money buying travel insurance for each individual trip. It’s not necessarily useful for every traveler, since you won’t need it if you only take a trip or two per year.

In my case, however, there is no doubt that I need annual holiday insurance since I have to travel to South America for work at least once a month, so I can save a ton by buying annual multi-trip travel insurance .

As you can see, I’m a frequent traveler, so eight months ago, I decided to buy multi-trip annual travel insurance and stop spending money on insurance for each individual trip.

If like me, you know that annual travel insurance is the right choice for you, then you shouldn’t settle for any less than the best annual travel insurance 2024 , Heymondo . Not only is Heymondo the best COVID-19 travel insurance , but it is also the only travel insurance annual company that pays travelers’ medical expenses upfront for them instead of making them file a claim.

5% OFF your travel insurance

Keep reading to find out more about what annual travel insurance is, how much travel annual insurance costs, and what different annual holiday insurance plans cover.

• What is annual travel insurance?
• Annual travel insurance price & comparison

Best annual travel insurance plans

• Annual travel insurance coverage

What is annual multi-trip travel insurance and how does it work?

Annual travel insurance is a type of travel insurance that covers each and every one of the trips you take within one year. During that year, you can take as many trips as you like, but there is a maximum number of days you will be covered per trip (30, 45, 60, or 90 days, depending on the annual travel insurance you choose).

The 365 days that your annual travel insurance policy covers will start from the start date of your first trip, so you can easily buy yearly travel insurance as soon as you start planning a trip.

When you leave your home country for your next destination, the day counter is reset, and your covered days start to run out. That doesn’t mean you can’t take a trip that is longer than what is stated in your policy, just that you will only be covered for the number of days specified in your policy.

For example, my Heymondo annual multi-trip insurance covers trips of up to 60 days, but if I travel for 68 days, the last eight won’t be covered by the policy. I would have to come back home and leave again for the maximum days counter to reset to zero.

To make sure you’re covered for all of your trips, every time you use your annual travel insurance coverage, you need to show a supporting document, such as a plane ticket, that proves the start date of your last trip.

However, keep in mind that you don’t have to notify your insurance provider every time you take a trip. You only have to show the proof of departure date when you need assistance from your annual travel insurance company.

Annual travel insurance vs. single trip

So what’s the difference between annual travel insurance vs. single trip insurance ? Annual multi-trip insurance is for people who travel frequently and know they will be traveling multiple times throughout the year. For instance, if you travel nationally or internationally once every two months or more, you should definitely consider multi-trip annual travel insurance .

On the other hand, single trip insurance is travel insurance for one trip at a time. If you know you won’t be traveling much or you only take one trip in a year, you need single trip insurance.

You may also be wondering, why is annual travel insurance cheaper than single trip ? Annual holiday insurance is more affordable for frequent travelers because it is cheaper to buy a 12-month travel insurance policy than it is to buy individual policies for each trip.

Who is multi-trip annual travel insurance for?

The following types of travelers often discover great benefits from purchasing annual travel insurance :

• Travel addicts who travel every chance they get.
• Couples in long-distance relationships who travel often to see each other.
• Sales team members that visit clients from time to time or attend fairs and shows in different countries.
• Athletes participating in international events.
• Members of associations that attend events periodically throughout the year.
• Photographers, international journalists, travel bloggers, and the like.
• International students, ex-pats, or international workers who return home at least every two months.

If you’re an ex-pat or international worker, or are looking for international student insurance , annual travel insurance can save you a lot of money. However, you should keep in mind that you will have to return home from time to time to extend your coverage. It may be more beneficial for you to buy long-term travel insurance instead.

In other words, don’t plan to use yearly travel insurance to take a gap year and travel the world or work abroad and not go home for a long time.

Cost of annual travel insurance

Your yearly travel insurance cost will depend on several factors, including your age, your nationality, the state you live in (if you live in the US), and the number of people who are covered by your annual travel insurance plan .

If you’re looking for cheap multi-trip insurance , just know that the younger you are and the fewer the people covered by your travel insurance annual plan , the more affordable your 1-year travel insurance worldwide will be .

Annual travel insurance comparison

To generate an annual multi-trip travel insurance comparison , I have used the example of a 30-year-old American citizen from Pennsylvania who is buying an annual travel insurance policy .

Now that you’ve seen an annual travel insurance comparison , I’m sure you’ll understand why I decided to buy Heymondo ’s annual multi-trip insurance : it has some of the highest coverage and maximum number of days per trip, and its price is lower than all the other annual multi-trip insurance plans .

Of course, all of these travel insurance annual plans are some of the best, so below I’ll get into the highlights of each of the best annual travel insurance plans .

1. Heymondo , the best annual travel insurance 2024

In search of the best annual travel insurance 2024 ? Look no further than Heymondo . Their Annual Multi-trip plan is the most affordable travel insurance annual plan but still offers some of the highest coverage and highest annual travel insurance maximum trip length .

The Annual Multitrip plan is available for travelers up to age 69, and travelers can take trips of up to 60 days. Heymondo provides the highest amount of coverage for trip cancellation and baggage loss, and their coverage in all other categories, including COVID-19, is excellent and comprehensive. You can even add Adventure Sports or Electronics coverage if you need it.

Best of all, you will never have to go through the tedious process of filing a claim to get reimbursed for medical expenses. Heymondo pays your medical expenses directly and upfront for you so that you don’t have to wait to get reimbursed.

Speaking of medical expenses, Heymondo’s only drawback is that there is a $100 deductible per claim for medical expenses and baggage loss. That means you will have to pay $100 per medical or baggage claim before Heymondo will start to pay for you.

I think that all of Heymondo’s amazing pros outweigh the cons, that is why this is the policy we have purchased for ourselves. Also, you can save 5% on Heymondo annual travel insurance with the annual travel insurance promo code link below.

2. Allianz , the best multi-trip annual travel insurance for seniors

Allianz is easily one of the best annual travel insurance for seniors since it covers travelers up to the age of 99. Travelers can travel for up to 45 days and still receive yearly travel insurance coverage .

Allianz’s AllTrips Prime plan provides great trip cancellation, trip interruption, and baggage loss coverage. Even better, there is no deductible for medical expenses, so if you get sick or injured, Allianz will cover everything for you.

With that being said, the AllTrips Prime plan offers the lowest amount of emergency medical expense and evacuation and repatriation coverage. It is also the most expensive annual travel insurance plan of the plans I compared. If you want to save money and get similar or better coverage for a lower price, Heymondo is a better option for you.

3. IMG , a cheap annual travel insurance

IMG offers one of the most affordably priced annual travel insurance plans , combined with excellent medical-related coverage. Its Patriot Multi-Trip International plan offers the highest amount of coverage for emergency medical expenses, trip interruption, and evacuation and repatriation.

The Patriot Multi-Trip International plan is intended for travelers under the age of 76 and is highly customizable since you can add Adventure Sports Rider or Evacuation Plus Rider coverage to your plan.

You can also choose between setting 30 days or 45 days as the maximum length for your trips, although choosing 45 days will add about $50 to your annual travel insurance price .

However, since IMG’s travel insurance annual plan offers low baggage coverage and no trip cancellation coverage, it is best for travelers who just want annual multi-trip travel medical insurance . It also has a very high deductible of $250 per covered illness, so that means every time you fall ill, you will have to pay $250 before IMG starts to cover your medical expenses.

If you want a lower deductible, similar coverage for a lower price, and direct medical expense payments, choose Heymondo ’s annual travel insurance plan instead.

4. AIG , the best annual holiday insurance for long trips

If you’re looking to go on longer trips, AIG ’s Travel Guard Annual Travel Plan is perfect for you, since your annual holiday insurance cover will extend to trips of up to 90 days. AIG’s annual travel insurance is also perfect for seniors because there is no age limit for travelers to be able to purchase a plan.

The Travel Guard Annual Travel plan offers solid baggage loss and evacuation and repatriation coverage. There is also no deductible for emergency medical expenses, so you won’t have to pay anything out of pocket to get covered.

Still, a big limitation of AIG’s annual travel insurance plan is the travel-related coverage. The Travel Guard plan offers no trip cancellation coverage and the lowest trip interruption coverage out of all the travel insurance annual plans I compared. Considering how expensive AIG’s yearly travel insurance plan is, particularly compared to its coverage, there’s no question that you’ll get more bang for your buck with a plan like Heymondo ’s.

What does annual travel insurance cover?

Whichever travel insurance annual plan you end up choosing, you need to make sure that you’re getting enough coverage for medical- and travel-related situations. Annual travel insurance coverage should include:

• Emergency medical expenses – medical coverage is an absolute requirement for the best annual holiday insurance. Make sure yours covers important medical expenses such as sudden illness, accidental injury, emergency dental treatment, hospitalization, and prescription drugs.
• Evacuation and repatriation – this type of coverage is crucial if you fall ill in a remote area and need to be transported to a faraway hospital or are so sick that you need to be transported back to your home country for treatment.
• Trip delays, interruptions, and cancellations – any sudden, unexpected event – serious illness, inclement weather, jury duty, unexpected job loss – can interrupt or change your travel plans, but trip delay, interruption, and cancellation coverage ensure that you will still get reimbursed for covered travel costs.
• Lost/damaged/stolen luggage – if anything happens to your belongings while you’re traveling, luggage coverage will allow you to get reimbursed so you can easily buy new toiletries and clothes.

You can also purchase travel annual insurance with sports coverage, cruise coverage, or even electronics coverage if you have more specific coverage needs.

One coverage aspect to note is that it can be more difficult for older travelers to find a multi-trip travel insurance policy since age limits tend to be lower for annual trip insurance than for single trip insurance. If you are an older traveler interested in buying an annual travel insurance plan , make sure to compare the price and coverage of annual travel insurance plans with the price and coverage of single trip insurance plans to see which works best for you.

Is annual travel insurance worth it?

Ultimately, yes, having annual travel insurance is worth it if you travel frequently and want to save time and money on purchasing travel insurance for every trip. If you only take a couple of trips a year, stick to single trip insurance.

For example, imagine that you are a US citizen who is going to take several trips over the next 365 days and buy individual travel insurance plans from Heymondo:

• Indonesia (2 weeks) – $ 70.75
• Iceland (4 days) – $ 26.04
• Spain (1 week) – $ 38.17
• Morocco (3 days) – $ 17.74
• United Kingdom (5 days) – $ 26.04
• Norway (4 days) – $ 26.04
• Brazil (1 week) – $ 38.17
• Mexico (1 week) – $ 38.17
• Argentina (1 week) – $ 38.17

If you paid for these policies individually, it would cost you $319.29.

If you bought an annual travel insurance plan from Heymondo to cover those same trips, you would pay $197.96. In other words, you would have all those trips covered by one policy, and you could take even more trips without paying any other travel insurance fees.

Of course, buying annual travel insurance only works out to be more affordable if you travel frequently enough within a year. Don’t bother buying annual multi-trip holiday insurance if you only plan on traveling once or twice a year.

If you’re still unsure about whether you need annual multi-trip travel insurance , get quotes for single trip insurance for all the trips you will take over the next 365 days and compare that total to your annual holiday insurance quote . If your single trip insurance total is greater than the annual travel insurance price , yearly travel insurance is the best option for you.

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One thought on “ Best Annual Travel Insurance 2024 [Multi-Trip Insurance] ”

Hey there, we are interested to purchase annual multitrip medical emergency travel insurance with specific COVID-19 cover rider. We are seniors, my DOB is April 20, 1946 and my wife’s is October 23, 1950. We reside in Canada and woud like to travel to Costa Rica in October 2020 and to Europe in 2021, if COVID-19 pandemic situation will permit. Your advice would be much appreciated.

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The Best Annual Travel Insurance (Updated April 2023)

Annual travel insurance covers several trips you take throughout the year.

Travelers buy annual travel insurance when they plan on taking two or more trips in a year. The main reason people buy annual travel insurance is for medical coverage. It also covers medical evacuation, delays, and baggage. Some even cover cancellation and interruption, but this is not typical.

Criteria for picking the best annual travel insurance

Further down this page there is a complete guide that covers everything you need to know about annual travel insurance. First, we’ll answer the simple question, “what is the best annual travel insurance plan?”.

Here are the criteria used to select the best plan:

• Must cover Covid-19 for emergency medical coverage
• Medical evacuation coverage $1,000,000 minimum
• Covers Pre-existing Conditions
• Trip Interruption coverage
• Travel Delay and Baggage coverage
• Options for deductible, limits, and extras like hazardous activity coverage

Best Annual Travel Insurance

Every annual plan is different, but the following plan from Seven Corners checks all the boxes above. This plan is an affordable way to get a lot of coverage. You can select from a few different trip lengths (30, 45, 60) which lets you adjust the cost depending on your travel plans. Deductible and coverage limits can be selected as well which can adjust your cost.

Seven Corners has been a leader in travel medical insurance since 1993. They are a reputable company, insure thousands of travelers every year, and even handle medical administration for some US federal agencies.

Wander Frequent Traveler Plus

• Covid-19 covered for medical treatment
• $1,000,000 Emergency Medical coverage up to 64
• $50,000 Emergency Medical for 65+
• $1,000,000 Medical Evacuation
• Deductible options, including $0
• Can select individual trip lengths of 30, 45, or 60 days

Example Quote: One year of coverage for a 40 year-old traveler is $400. This covers $1,000,000 each for both medical and evacuation, and has $0 deductible.

What is annual travel insurance?

Annual travel insurance (also called multi-trip insurance) covers several trips throughout the year. It covers medical emergencies, evacuation, travel delays, and baggage. Some plans cover costs for a trip cut short (trip interruption).

Annual plans cover each trip while you are traveling. It is not meant to be year-round insurance. It covers multiple trips, but there is a limit for how long any single trip can be. For example: You could be covered for every trip, but any single trip must be 30 days or less.

Annual plans don’t cover canceled trips. If you are taking a vacation and want to insure the cost of the trip, you need single-trip travel insurance. This type of plan covers cancellation, interruption, delays, baggage, and more. Read more about the best travel insurance plans here .

What does annual travel insurance cover?

The following coverage is typically found in an annual trip insurance plan.

Emergency Medical Expenses Coverage for emergency medical and dental care , including hospital visits, surgery, prescription drugs, doctor and dentist office visits, and more.

Medical Evacuation Emergency medical transportation so you can receive medical care for your illness or injury.

Travel Delays Reimbursement for unexpected lodging, meals, and transportation costs if your travel is delayed a certain number of hours (usually 6-12).

Baggage Loss, Theft, or Damage Reimbursement for lost, stolen, or destroyed baggage and personal effects (up to the policy limit) whether they are lost or destroyed by the airline, a taxi driver, a hotel employee, or anyone else.

Delayed Baggage Reimbursement (up to the policy limit) for personal essentials if your baggage is delayed a certain number of hours (usually between 12 and 24 ).

Travel Assistance The convenience of 24/7 travel assistance services for help with medical emergencies, travel emergencies, business emergencies, pre-trip planning, and more.

What is the difference between single trip and annual travel insurance?

The main difference between annual travel insurance and a single-trip plan is coverage for cancelled trips. Annual plans do not cover trip cancellation; single-trip travel insurance does cover trip cancellation.

If you’re planning a vacation and want to cover the costs of that trip, you are looking for single-trip insurance.

Annual plans are for people that take several trips in a year, and don’t want coverage for trip cancellation.

What makes worldwide annual travel insurance unique?

Many travelers like the convenience and savings of a worldwide annual trip insurance plan.

Same worldwide coverage for 12 full months

The reason many travelers like an annual trip insurance plan is the convenience of having the same coverage for all their travel plans all year long. Most plans have a long per-trip length limit (usually 30-70 days). One policy to read and understand; only one number to call for travel assistance services.

Comprehensive and economical

Annual plans are relatively cost-effective because the coverage for cancellation is not included (some plans offer limited trip cancellation coverage). Age is taken into account, but most annual plans run a few hundred dollars per year, per traveler.

Key difference is no (or little) trip cancellation coverage

As we talked about above, a main difference with an annual plan is the lack of trip cancellation coverage.

Insurance companies can’t include this because their risk exposure would vary so much. One travelers might have an annual trip cost of $5,000, while another traveler could spend $100,000 a year on travel. Single-trip travel insurance is priced based largely on trip cost. The insurance company can’t charge the same for the $5,000 traveler as the $100,000 traveler.

Who should buy annual travel insurance?

Travelers like these should purchase annual travel insurance:

Frequent travelers, such as business owners and academics When much of your time is consumed by traveling for your work or study, it’s difficult to research travel insurance for each trip and much more economical to have one plan with consistent coverage you understand all year long.

Active, healthy, traveling retirees You may have waited all your life for your retirement and want to put as many trips on the schedule as possible. Of course, you want the safety of travel insurance on each of those trips too.

Journalists and writers frequently sent on last-minute assignments When you have to travel often at the last minute, there’s no time to understand, purchase, and review a single-trip policy. Plus, it’s useful to have the same coverage all year round so you know what to expect without having to sign up for new coverage every time.

How much does annual trip insurance cost?

Most full-featured annual multi-trip insurance plans will cost a traveler $200-$400, depending on these factors:

• The traveler’s age (primary factor)
• The estimated number of days for the longest trip of the year
• Medical limit ($50,000 is cheaper than $1,000,000)
• Deductible ($1,000 deductible is cheaper that $0)
• Options like Hazardous Activities coverage

Is it worth buying annual travel coverage?

It depends on the types of trips you’re planning. For lower-cost trips, like domestic trips or road trips where your primary concern is catastrophic needs like medical expenses and evacuations, an annual plan might be your best option.

Here’s how you know it’s worth getting annual travel coverage:

• If you’re taking a lot of trips within a year.
• If you’re not concerned about trip cancellation benefits.
• If you take last-minute trips and want the convenience of the same travel insurance all year long.
• If you’re a business traveler who frequently travels alone or on short notice.

Tip : Because an annual travel insurance plan covers all your trips in a year, it’s not necessary to know how many trips you’ll take ahead of time.

Where should you buy your annual travel insurance?

Use the link below to quote and purchase directly from Seven Corners.

Note: I am a licensed insurance agent. If you purchase using this link I will earn commission from the company. This does not cost you anything, it is paid by the company. Earning commission for insurance purchases is how this website if funded.

• Frequent travelers often like the convenience of a single plan for all their trips in a year
• Annual travel insurance is often quite economical as it limits trip cancellation coverage
• Annual plans cover multiple trips in a 12-month period with some limits to the length of each trip

Annual Travel Insurance FAQs

Annual plans are purchased to cover all trips within a 365 day period. You would choose when the coverage starts, and the insurance policy is active for the following year. There may be a limit on the length of any given trip within that year. Most companies allow you to renew after the first year is up.

Single-trip insurance is meant to cover one trip, such as a vacation or cruise, in case you need to cancel your trip. It also covers medical, evacuation, baggage, and delays. Annual travel insurance covers several trips throughout the year, but does not cover cancellation for any of them.

Because it runs for 365 days from purchase, you should buy annual travel insurance right before the first trip you want to insure. This will maximize the amount of time of coverage.

Annual travel insurance covers you for 365 days, and are often renewable.

Annual travel insurance is typically purchased in a single payment.

Annual travel insurance is available from Seven Corners, Trawick, GeoBlue, and Travel Guard. I recommend Seven Corners’ Wander plan.

You would consider annual travel insurance if you take several trips throughout the year, and want the medical and loss benefits of travel insurance for each one. This is simpler than buying a plan for each trip separately.

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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Best Annual Travel Insurance Plans: AIG Travel Guard vs Allianz vs Seven Corners vs GeoBlue & More

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Most people consider getting trip insurance for a single vacation. But did you know that several major insurance companies provide annual trip insurance plans? These plans can cover you, a spouse, and even your entire family if you want to insure multiple trips during the year — for huge savings compared to insuring each trip separately.

How does annual trip insurance work? Does it differ from traditional per-trip insurance? And which providers are your best options? Our experts have delved into all of these questions and more to help you decide if an annual policy is best for your needs.

Table of Contents

Article Overview

• Annual Trip Insurance Limitations

Who Should Consider Annual Trip Insurance?

• Best Annual Trip Insurance

What Are My Other Options?

Looking for per-trip travel insurance, annual travel insurance limitations.

You also need to be aware that yearly policies typically have trip-length limits , meaning they limit the number of consecutive days in one trip that they’ll cover (this isn’t an issue with per-trip policies). These trip-length limits vary by policy, ranging anywhere from 30 to 90 days. For example, this means that if your policy has a 30-day limit and you get injured on day 31, you won’t receive medical coverage for that injury because it falls outside of the trip-length limit.

Note: Most annual and typical per-trip vacation insurance policies have restrictions on the types of “adventure” activities they’ll cover if you get injured. These can include bungee jumping, hot air ballooning, parachuting, skydiving, mountain climbing, scuba diving, and similar “hazardous” activities.

Read each policy carefully to see which activities are and aren’t covered. If you plan on these types of activities on your vacation, you may want to consider a per-trip policy from World Nomads , which has specialized coverage for adventure activities.

Annual trip insurance is best for:

• Leisure or business travelers taking multiple trips over the course of one year
• Frequent international travelers who need medical coverage while overseas
• Travelers who don’t need high trip cancellation coverage

Annual trip insurance isn’t ideal for:

• Individuals, couples, or families who will only be traveling once or twice over the next year
• Travelers taking multiple lengthy trips during a year (lasting longer than 90 days)
• Travelers who need high trip cancellation coverage

Best Annual Travel Insurance Plans

We’ve broken down our best picks for annual travel insurance by categories based on your individual needs. But, we also encourage you to read our other options in case there’s another provider that works better for you.

Our experts have analyzed each company by its policy benefits and pricing, COVID-19 coverage, customer service, user reviews, BBB ranking, AM Best ratings (financial strength of the insurer), and other factors. All of the companies we include in our reviews have an A- or better rating from AM Best, have an online claims process, and offer 24/7 travel assistance for concierge service and other needs.

Policy Pricing And Availability

We haven’t included policy pricing in our reviews because most yearly travel insurance premiums vary for each traveler. The companies typically base their pricing on the age of travelers and your state of residence. And be aware that not all policies are available in every state.

Best Overall: Seven Corners Review

Free Quote At SquareMouth

Seven Corners stands out as our pick for the best overall annual trip insurance company. They have two yearly plans, Wander Frequent Traveler and Wander Frequent Traveler Plus (which includes COVID-19 medical/trip interruption coverage). Both plans have customizable options, allowing you to tailor your plan to your budget.

You can customize your plan for 30, 45, or 60-day trip limits. You can also choose your deductible from $0, $250, or $500 (per person, per occurrence). And they have a hazardous sports coverage add-on, which is roughly $25 per person. Other companies we reviewed don’t offer this option.

Both plans offer a generous $1 million coverage for emergency medical and medical evacuation coverage , in addition to great coverage for trip interruption, accidental death and dismemberment (AD&D), trip delays, baggage loss and delays, and more.

And unlike many other travel insurance companies, they’ll cover you for pre-existing medical conditions up to $20,000 per person for an unexpected recurrence of a pre-existing condition (some age restrictions apply).

Note : Coverage is for international and domestic travel, but domestic travel requires pre-certification.

Best Budget: GeoBlue Review

If you’re looking for the best cheap year-long travel insurance, GeoBlue may be your best bet as long as you’re okay sacrificing a few benefits other companies provide. GeoBlue has two budget-friendly plans, Trekker Essential and Trekker Choice. Both have good coverage for emergency medical ($500,000 and $1 million) and medical evacuation ($250,000 and $500,00) as well as decent benefits for lost luggage and AD&D. Both also have 70-day trip limits.

What do you not get? Neither policy covers trip interruptions and cancellations, travel delays, or baggage delays. They also are one of very few companies we’ve reviewed that have no coverage for COVID-19 occurrences. But unlike most companies, GeoBlue covers pre-existing conditions as well as non-emergency medical expenses.

Note : Coverage is only for travel outside of the U.S.

Best For Trip Cancellation Coverage: Allianz Review

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A big player in the travel insurance industry, Allianz offers several competitively priced annual plans that include trip cancellation coverage. However, it’s important to know that trip cancellation benefits apply per year rather than per trip. All the other benefits included in policies, like emergency medical, baggage loss, etc., apply for each trip you take during your year of coverage.

Allianz has four annual plans to choose from (all but the Alltrips Basic plan include trip cancellation). Their Alltrips Premier plan is the best overall value out of the four. It has 90-day trip limits, coverage for emergency medical ($50,000) and medical evacuation ($500,000), and generous payouts for trip interruption, trip delays, baggage loss and delays, and AD&D.

And with the Premier plan, you can choose your level of trip cancellation/interruption coverage from $2,000, $5,000, $10,000, and $15,000. This plan also waives Allianz’s typical 120-day look-back period for pre-existing conditions.

Their plans also include rental car damage coverage and COVID-19 coverage for medical and cancellation/interruption. Just keep in mind that if you’re more concerned about higher medical, evacuation, and other benefits rather than trip cancellation, Seven Corners is a better value.

Note : Coverage is for international and domestic travel.

AIG Travel Guard | Trawick | USI Affinity

AIG Travel Guard Review

AIG Travel Guard, a well-respected provider of traditional trip insurance, offers one stand-out annual travel insurance plan. It offers  90-day trip limits , security evacuation coverage (up to $100,000) in the event of a natural disaster, riot, or civil disorder, and COVID-19 coverage for medical expenses and trip interruption.

The policy includes $50,000 for emergency medical, $500,00 for medical evacuation, and good coverage for trip interruptions, AD&D, missed connections, baggage losses, and trip and baggage delays. However, premium pricing is a bit higher than average for the payout benefits you get. It also has a 60-day look-back period for pre-existing conditions.

Note : Coverage is for international travel and travel within the U.S. (must be more than 100 miles from your residence).

Trawick International Review

Trawick International offers three Safe Travels annual travel insurance plans, Basic, Deluxe, and Executive. Their plans stand out because they include trip cancellation coverage ($2,500, $5,000, and $10,000) and COVID-19 cancellation and medical coverage. But be aware that, like  Allianz , the trip cancellation coverage is per year rather than per trip.

However, their other benefit payouts are lower than comparably priced plans from other providers. For example, their mid-level plan’s pricing is higher than average yet offers lower payouts for emergency medical ($20,000) and medical evacuation ($100,000) compared to similar coverage with other companies we review here.

All plans include trip interruption, trip delay, lost baggage, and baggage delay coverage. They also have a 30-day trip limit  with each plan and a 90-day look-back period for pre-existing conditions.

USI Affinity Review

USI Affinity has a good reputation as a long-time provider of traditional trip insurance, and it offers two annual travel insurance plans, Voyager Silver and Voyager Gold. Both plans have 90-day trip limits and coverage for AD&D, baggage loss and delay, and COVID-19 medical.

The major benefit payouts vary widely between the Silver and Gold plans: emergency medical ($50,000 and $100,000) and emergency evacuation ($100,000 and $250,000). You’ll need to go with the Gold plan if you want trip interruption coverage (which covers COVID-19). The Gold plan also includes security and political evacuation coverage (up to $100,000). USI Affinity has a 180-day pre-existing condition look-back period.

Note : The sample policy we reviewed says that coverage is “anywhere in the world.”

If you don’t think annual travel insurance will work for your traveling needs, be sure to see our reviews of the best per-trip travel insurance plans . In that article, we review plans from some of the same companies as we do here as well as additional top travel insurance companies. Benefits and coverage vary a great deal between per-trip vs annual plans.

Sally Jones

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All you need to know about annual travel insurance policies

As demand for travel soars and everything from weather to staffing issues leads to higher prices and cancellations, it's more important than ever to protect your trip arrangements with travel insurance .

However, it's not always easy figuring out which type of plan to pick. There are standard policies that cover general delays, interruptions and cancellations; "cancel for any reason" plans that account for personal whims in addition to unforeseen circumstances; and lesser-known annual options.

In this article, I'll go over what you need to know about the third type: annual travel insurance coverage.

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What is annual travel insurance?

Annual travel insurance plans (also known as multi-trip plans) last for one year and generally cover all trips taken within that period until either the policy expires or the maximum payout amounts are reached. The policy usually kicks in for trips that take you more than a certain distance from home.

For example, my Allianz AllTrips Prime annual plan remains in effect for one year following the purchase date of my policy. I'm covered on all trips during which I'm at least 100 miles from my residence.

This differs from standard travel insurance, which is purchased on a per-trip basis and covers only one specifically insured journey per policy. Standard policies begin when travel for the insured trip begins and end when the insured trip ends, rather than covering multiple travel experiences within a specific period of time.

What does annual travel insurance cover?

Coverage depends on the plan you purchase. There are usually several tiers from which to choose, with the lowest offering the least coverage and the highest offering the most.

Using my policy as an example, I'm covered for up to $3,000 per year in trip interruption expenses, including hotel room coverage at $250 per night, which I used when I was recently isolated for 10 days after testing positive for COVID-19.

My policy also offers a $3,000 annual trip cancellation benefit, $20,000 in emergency medical coverage, $100,000 in emergency transportation (including medevac services), $45,000 in rental car theft and damage protection, $25,000 in travel accident coverage and $1,000 for essentials in the event of baggage loss or damage, along with a handful of other small benefits.

Note that many annual policies do not include things like "cancel for any reason" coverage or trip interruption benefits. If those items are important to you, check with your provider before making a purchase.

How much is an annual travel insurance policy?

Sure, an annual travel insurance policy may sound great, but how much does one cost? I was surprised to find that insuring your trips for a whole year with an annual policy is often not much more expensive than insuring one or two trips individually, depending on the options you select.

A decent annual travel insurance plan will likely set you back a couple hundred dollars. The more coverage you add, the more expensive the plan will become. The cost also changes depending on variables like your age and where you live.

The best thing to do is contact your preferred provider for a quote or check out an aggregator like InsureMyTrip to compare premiums.

Which companies offer annual travel insurance plans?

The Points Guy recommends the following travel insurance providers , all of which sell annual or semi-annual policies:

• Allianz Travel Insurance .
• Seven Corners .
• Travel Guard .
• World Nomads .

When should I purchase annual travel insurance?

There are several reasons why annual travel insurance might be better for you than separate policies for individual trips. If you travel a lot — more than two or three times annually — it could be more cost-effective than purchasing separate policies for each journey.

For me, it makes sense because I travel for a living, often taking a dozen or more trips each year. Also, much of my travel is comped, which makes insurance more difficult to acquire. (If I haven't paid for a cruise, flight or hotel, I can't attach a dollar amount to it and, therefore, often can't insure it. I also wouldn't be able to provide purchase receipts in the event something went wrong and had to file a claim.)

Other factors to consider include your health, how adventurous your travels might be, whether you have coverage as a credit card perk and how much your travel arrangements cost versus how much coverage you can get with an annual plan versus individual policies.

Another consideration right now is COVID-19. For me, the annual plan made sense because most of Allianz's individual plans don't cover issues linked to COVID-19. However, the annual coverage I purchased does.

Other things to know about annual travel insurance policies

Here are a few additional tidbits I learned after filing a trip interruption claim under my annual travel insurance policy. Keep them in mind when deciding if an annual policy is right for you.

• Before committing to the purchase of any travel insurance plan, make sure to inquire about specific components that are important to you. For me, those were COVID-19 coverage, trip interruption benefits and medevac coverage.
• Know that your coverage does not reset each time you travel when you opt for an annual policy. So, if you have a trip that goes awry, you file a claim and you max out the benefit allowed by your plan, you won't have that benefit available to you for the remainder of your policy year.
• Depending on your policy, you might have to return home between travel sessions in order for each trip to be covered. Taking several back-to-back trips could prevent them from qualifying for coverage under your annual insurance plan, so be sure to read the fine print, and plan accordingly.
• If you purchase annual or multi-trip travel insurance, keep your policy card and provider phone number with the other important documents you bring when you travel so they're easily accessible in a pinch.
• If you find yourself in a covered situation for which you'd like to seek reimbursement, keep all receipts and take photos that will help to support your claims when they're submitted.
• Don't assume all your expenses will be reimbursed, even if you think they'll be covered. It doesn't hurt to try, but in my case, my Allianz plan only partially covered the hotel expenses I submitted.

June 1, 2020

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Annual Travel Insurance

Travel pros know: An annual travel insurance plan is the easiest, most economical way to protect a year’s worth of adventures. Taking two or more trips? Buy an AllTrips plan, and you’ve got peace of mind for 365 days. One of our most popular options is AllTrips Prime , which includes benefits for covered trip cancellation and interruption, covered emergency medical care and emergency transportation, lost/stolen or delayed baggage, rental car damage and theft coverage (available to residents of most states), and more.

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Which Annual Travel Insurance Plan is Right for You?

Multi-trip travel insurance isn't just for jet-set influencers or wealthy retirees. It's for anyone who enjoys travel and doesn't enjoy stress. Sounds like you, right?

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Vacation With Confidence: Choosing the Best Travel Insurance Plans

S o you’ve packed your bags and chosen your dream destination. Now what? While it might seem like the planning stage for your next vacation is over, travel insurance is at least one more important detail to handle. Good travel insurance protects you from vacation nightmares and makes handling the worst-case scenario easier. Our handy guide will explain the ins and outs and compare travel insurance plans so you can make the best choice! 

What Is Travel Insurance?

There are several policy types and benefits, but the basic premise is the same. Simply put, travel insurance protects you from the unexpected and makes handling emergencies while away from home much less stressful. You never know when  a flight will experience a mechanical failure  or when a significant event could prevent travel — thus, you need to cover your bases. Founded in 2004, the US Travel Insurance Association was founded to facilitate an ethical travel insurance industry and offer guidance for consumers. According to the USTIA, travel insurance policies should include elements of three types of coverage.

Financial reimbursement covers trip delays and cancellations, as well as lost baggage. Medical insurance covers injuries and illnesses that occur while traveling, and a 24-hour assistance line can connect travelers to doctors, hospitals, and other emergency resources they might need. According to the USTIA, the most recent travel protection market study covered the years 2020 – 2022 and found that Americans spent $4.2 billion on travel insurance. Online policy purchases account for about 80% of travelers insured.

“Results from the travel market study indicate a great awareness of travel insurance,” S’Neta Benefield, UStiA’s executive director,  said in a press statement about the study . “Although customers are price-sensitive, they still place high value in coverage and service levels.”

What Makes a Good Travel Insurance Plan?

A good travel insurance plan has multiple components. According to  Forbes , your plan should include trip cancellation, including 100% of non-refundable purchases that might be canceled. It’s essential to check whether your policy covers COVID if cancellation due to illness concerns you. Be sure to see if your plane tickets, for example, are refundable — or else policy coverage is redundant. In addition,  Nerdwallet  reports that travelers will also want trip interruption coverage, a post-departure policy that covers delays, missed flights, and other issues that occur while you’re headed to your destination. 

A good travel insurance policy should also include some kind of medical policy. Although you can and should check to see what your current health insurance plan covers to avoid making redundant purchases, many may not help if you’re overseas or in a different country. Medicare, for example, doesn’t cover any claims outside the United States except in a few exceptional cases. You’ll also want to make sure your policy includes evacuation and repatriation if you want the ability to be taken to the nearest hospital on your trip, or to be evacuated home in the event of an emergency.

Note that many policies include coverage of accidents that might happen during normal activities, like cycling or swimming, but may not cover extreme sports accidents that could happen during skydiving, for example. If that’s a concern for you, be sure to check for the right protection before making your choice. Lasly, you’ll want to choose a travel insurance policy that covers rental car collisions, lost baggage and 24-hour services, which can connect travelers to doctors, lawyers and other crucial resources. 

How Can You Get Travel Insurance?

There are multiple ways to purchase travel insurance. Firstly, travelers can check with typical insurance companies;  Geico , for example, offers flights, interruptions and delays, and unexpected medical expenses. Many credit cards offer policies, and so do specific travel insurance companies. TravelInsurance.com, Faye, TinLeg, and World Nomads are all popular travel insurance companies, according to Forbes. The USTIA also offers a membership directory, which can be sorted and filtered into multiple categories, including insurance, air evacuation assistance, and much more.

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How much does travel insurance cost.

According to the USTIA, travel insurance prices are based on length of trip, destination, and age of the traveler. The total cost should be between 4% and 8% of the total travel cost. As an example,  Budget Your Trip  says travelers should expect to spend about $254 per day on an average trip to Paris, France. For a 5-day trip with two adults, an average trip should cost about $2,540. This means you could expect a travel insurance policy to cost $100 to $205.

Nerdwallet recommends using an aggregator like Squaremouth or Insure My Trip to compare multiple policies, much like Kayak compares flight prices. This way, you can ensure you’re getting the most coverage for the most affordable price.

What if I Travel Often?

One final consideration when looking at travel insurance policies is how often you travel. Frequent flyers, like people in business who leave town for work, might want to consider annual travel coverage instead of one-off purchases. According to  USA Today , these policies often bundle all the categories of coverage — but sometimes come with time limits, such as only covering trips that last 30 to 90 days or less. Others may include age requirements. If you fit the bill, these types of plans can save money over time.

Unfortunately, you never know what emergencies may arise while you’re traveling. Even a peaceful vacation can become stressful if your bags are lost or if your flight is severely delayed. In the long run, not purchasing travel insurance can prolong delays and  cost you more money  than if you’d covered your trip in the first place. There are plenty of policies to choose from, and with a little research, you’re sure to find something affordable that protects your plans so you can travel without worry!

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How to Find the Best Travel Insurance

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

What travel insurance covers

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

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

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

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

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

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

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

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

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

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

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

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

Travel insurance costs vary depending on:

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

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

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

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

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

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

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

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

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

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

Travel medical insurance

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

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

International travel insurance

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

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

Trip cancellation, interruption and delay

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

Your own illness.

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

Natural disasters.

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

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

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

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

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

Baggage and personal belongings

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

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

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

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

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

24-hour assistance

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

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

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

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

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

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

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

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

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

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

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

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

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

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

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

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

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

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

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

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

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

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

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

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

• Travel accident: Up to $500,000.

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

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

• Travel accident: Up to $1 million.

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

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

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

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

Terms apply.

Pros: Coverage is free.

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

Travel agents and travel reservation sites

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

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

Cons: You can’t customize the coverage.

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

Travel insurance comparison sites

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

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

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

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

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

» Learn more: The best travel insurance companies right now

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

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

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

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

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

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

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

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

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

TravelInsurance.com

Compare plans from 13 providers.

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

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

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

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

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

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

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

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

Compare different insurance plans from 35 providers.

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

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

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

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

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

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

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

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

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

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

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

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

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

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

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

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

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

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

trip cancellation benefits

to get your nonrefundable deposit back.

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

Chase Sapphire Reserve®

The Platinum Card® from American Express

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

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

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

Keep reading

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

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

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

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

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

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

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

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

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

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

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

• Main content

• Travel Insurance

How to Pick the Best Travel Insurance Plan

Are you gearing up for your next trip but are still unsure how to find the best travel insurance plan? We outline some ways you can pick the best coverage that will give you the greatest bang for your buck.

by ValueChampion Editorial Team on Apr 29, 2024

If you are shopping for travel insurance for your upcoming trip, you might be a bit overwhelmed by all the different options with various benefits and prices. How should you go about finding the best deal that suits your travel needs? Here, we discuss the four major factors you should think about before choosing the best travel insurance for your travel plans.

Find The Best Travel Insurance Plans Find Out More

Table of Contents

Region of Destinations

Short-term vs annual travel insurance plans, coverage and benefits.

While some insurance shopping platforms may ask you which country you will be travelling to, most travel insurance companies only price their plans based on the region of your destination. In Singapore, regions are typically divided into ASEAN, Asia and global.

The first thing to know when choosing a travel insurance is that wider regional coverage is more expensive. For instance, a travel insurance that covers your trip in Cambodia (ASEAN) should be cheaper than a plan that covers Korea (Asia) or London (global). Therefore, if you know you will be travelling only in a certain region, you can save some money by choosing the narrowest regional coverage possible.

On the other hand, you may want to select a wider coverage if you know you will be travelling in various countries. For instance, you might do a trip that starts in Vietnam, continues to Hong Kong and ends in Korea. Such a trip would require travel insurance with Asian coverage, not just ASEAN. Also, if you will be traveling outside of Asia, you would have to purchase a plan with a global coverage, which is typically 50-60% more expensive than ASEAN or Asian coverage.

Related: Travel Diaries: 5 Safest Travel Destinations in the World

Duration of your trip.

Cost of your travel insurance will also depend on how long your trip is. Typically, we have found that a 2-week long trip will cost about 50% more than a 1-week trip, regardless of your destination. This cost will increase as your trip becomes longer up to a point when the price reaches the premium of an annual plan. On average, you can expect to spend about S$46 to S$83 for 1-week long trips, or S$73 to S$137 for 2-week long trips.

Annual plans will cover your trips within a specified region for 365 days, and can range from S$330 – S$924  on average ( depending on the seasonal discounts offered by insurers ). This means that you might want to consider going with an annual plan if you know you will be travelling at least four to six times in the next 12 months. This is especially the case if your trip destinations tend to be broad-ranged in Asia or globally.

Because travel insurance benefits are the same for different durations, you wouldn’t need to worry about that when choosing between an annual plan or short-term plan as long as you are happy with the set of the benefits to begin with.

Related: Is Annual Travel Insurance right for you?

Last but not least, you should find out what kind of benefits you are entitled to, and if those benefits are on par with the industry average.

Typically, you are entitled to some payment when you 1) get in an accident or need medical help, or 2) when you experience some travel inconvenience like cancelled flights or lost luggage. You can also get covered for injuries in leisure activities like skiing or scuba diving.

Insurance companies usually offer an “economy” or “basic” package and a premium package. Premium packages come with higher compensations, but also cost about 40-60% more than their cheaper counterparts. Below is a summary of average levels of benefits for each major category, so you can compare your choice to the industry level while shopping for the best travel insurance in Singapore .

If you are ready to purchase travel insurance and be protected for your next trip, check out our round up of the best travel insurance plans to compare which plan best suits your needs.

• Best Travel Insurance in Singapore
• What is Travel Insurance
• Travel Insurance: How Does Trip Cancellation Coverage Work?
• Three Types of People Who Should Get Annual Travel Insurance
• Travel Insurance — Must-Have or Good-to-Have?

Cover image source: Unsplash

This content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation or endorsement by AMTD PolicyPal Group in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Under AMTD Digital, AMTD PolicyPal Group consists of PolicyPal Pte. Ltd., Baoxianbaobao Pte. Ltd., PolicyPal Tech Pte. Ltd., and ValueChampion. 

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Pet Insurance

Trupanion pet insurance review 2024

Mandy Sleight

Scott Nyerges

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC May 6, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

What you should know

Trupanion did not make our rating of the best pet insurance companies , but it does have some benefits that may appeal to you. With Trupanion, there is no minimum age limit for enrollment, so you can insure your pets from the time they are born until they are 14 years old. All insured pets get unlimited annual coverage with a 90% reimbursement percentage. You choose the deductible, from $0 to $1,000.

Pet insurance plans

Accident and illness plan

• Deductible: $0 to $1,000.
• Annual coverage limit: Unlimited.
• Reimbursement percentage: 90%.

Optional riders

• Recovery and complementary care: Pays for additional treatments like behavioral therapy, acupuncture and hydrotherapy.
• Pet owner assistance: Reimburses you for expenses like advertisements and rewards for lost pets and burial or cremation expenses.
• Breeding: Covers the cost of treatments related to conditions that develop from whelping (for dogs) or queening (for cats) if you breed your pet.

Customer reviews

Trupanion has more than 6,800 reviews on Trustpilot, with a score of 4.2 out of 5 stars. In Trupanion reviews, customers said how helpful Trupanion was in an emergency, covering thousands of dollars of vet bills, but some customers did criticize the cost of Trupanion pet insurance.

• Can pay your vet directly if the vet has Trupanion software.
• Option for a $0 deductible.
• Stable rates as your pet ages.
• No minimum age for enrollment.
• Expensive compared to competitors.
• Pets must be enrolled before 14 years of age.
• No discounts.
• No coverage for exam fees.
• No wellness plan.

Our Partner

Paw protect, maximum annual coverage, average monthly cost for dogs, average monthly cost for cats.

About Trupanion pet insurance

Offering pet insurance since 2000, Seattle-based Trupanion can pay your vet directly if the vet has Trupanion software. You can also contact Trupanion 24/7 to get pre-approval before your pet receives care. This can help you make the best decision for your pet and your budget. 

Although Trupanion doesn’t offer a wellness plan, it offers three optional coverage riders: complementary and recovery care, pet owner assistance and a breeding pet rider. Trupanion is one of the most expensive carriers we reviewed and it did not make our rating of the best pet insurance companies . 

What Trupanion covers

Pet insurance from Trupanion covers:

• Congenital conditions.
• Diagnostic testing.
• Herbal therapy.
• Hereditary conditions.
• Hospitalization.
• Prescription medications and supplements.
• Prosthetic devices, carts, wheelchairs.Surgery.
• Unidentified issues like weight fluctuations, cough, vomiting and diarrhea.

What Trupanion doesn’t cover

There are several items Trupanion pet insurance doesn’t cover:

• Accidents or illnesses that develop during the waiting period.
• Anal gland expression.
• Bedding, housing, crates, nonprescription foods and other non-veterinary pet expenses.
• Cremation or burial expenses.
• Elective or cosmetic procedures.
• Losses due to war, invasion, riots, nuclear reaction and other hostilities.
• Pre-existing conditions.
• Racing or intentional injuries.
• Routine and preventive care.
• Spaying or neutering.
• Transportation expenses.

Best pet insurance companies comparison

Via Petted’s website

Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage for a dog insurance accident and illness plan. These average pet insurance company rates are based on dogs and cats of various ages, breeds and ZIP codes. Source: PetInsurer.com.

Trupanion pet insurance review FAQs

No, Trupanion pet insurance provides unlimited annual coverage. Once you have met your deductible, you will only be responsible for 10% of the remaining balance for covered expenses, with no cap on coverage.

Trupanion pet insurance does not offer a wellness plan. The company is there to help with emergency veterinary care for your pet’s accidents and illnesses, but not routine and preventive care. 

Trupanion pet insurance is expensive compared to other companies in our rating of the best pet insurance . 

Shopping for coverage? How to compare pet insurance quotes

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Scott Nyerges is a veteran journalist with experience in insurance and consumer reviews. Before contributing to USA TODAY Blueprint, Scott was the senior insurance editor and content strategist for U.S. News and World Report. He's also written and edited for Consumer Reports, MSN, Cheapism and Consumer Search. He loves helping people make smart money decisions. Scott's expertise lies in car insurance, home insurance, life insurance, pet insurance and small business insurance. He has a bachelor's degree in journalism from The University of Missouri-Columbia.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Money latest: These are the most in-demand holiday destinations this year

Welcome back to our Money blog, where we bring you all the latest consumer and personal finance news and tips. This week we're kicking off by talking about holidays (seeing as the sun has finally come out), and we're answering a reader's Money Problem on an undeclared management fee.

Monday 6 May 2024 18:30, UK

• Bank of England 'not yet ready to cut interest rates'
• GoFundMe and loan sharks: How Britain's poorest are burying their loved ones in 2024
• The most in-demand holiday destinations this year

Essential reads

• Money Problem: My daughter discovered undeclared £600 management fee after buying her flat - can we complain?
• Cinema first is back - so should movie lovers unsubscribe? 
• 10 biggest mistakes people make in job interviews I Tell us your job interview mistakes/stories/tips in the comments box
• Train strikes in May - everything you need to know

Ask a question or make a comment

Qantas is being forced to pay a £53m penalty along with £20m in compensation to passengers following a legal battle over tickets it sold for cancelled flights. 

The Australian Competition and Consumer Commission (ACCC) sued Qantas last summer, alleging the airline had broken consumer law when it sold tickets for more than 8,000 flights without disclosing they had been cancelled. 

One case saw the airline selling tickets for a Sydney to San Francisco flight some 40 days after it had been cancelled, the ACCC said. 

More than 86,000 customers will share the compensation pot, and will be contacted over the next two months.

Gina Cass-Gottlieb, chair of the ACCC, said the airline's behaviour was "egregious and unacceptable".

"Many consumers will have made holiday, business and travel plans after booking on a phantom flight that had been cancelled," she said.

"We expect that this penalty, if accepted by the court, will send a strong deterrence message to other companies."

Qantas's chief executive Vanessa Hudsons said the agreement was a "step forward" to "restoring confidence" in the airline. 

She said the administrative failings were caused by COVID, and that the airline was "sincerely sorry". 

If you'll be affected by the M25 closure this weekend, it's worth noting that an alternative diversion route could slap you with an unexpected ULEZ charge. 

The M25 will be closed in both directions between Junctions 9 and 10 in Surrey from 9pm on Friday until 6am on Monday. 

Official diversion routes will take drivers on A roads crossing from Surrey into London's ULEZ area, but there will be no enforcement action for anyone taking the official route who does not meet the ULEZ requirements.

However, National Highways has warned anyone ignoring diversion signs in an attempt to find shorter alternative routes will be liable for the £12.50 daily ULEZ fee.

Of course, this does not apply to cars that meet the low emission standards.

The ULEZ was expanded to cover every borough of London last year. 

The UK economy would be better off if there were fewer buy-to-let landlords, the country's biggest investment company has said.

Legal and General Investment Management (LGIM) told The Telegraph that "unscrupulous" landlords were "taking people's deposits and giving them a bad experience". 

Bill Hughes, global head of real assets at L&G, said the rental sector needs an overhaul as too many buy-to-let landlords have been "suboptimal and substandard". 

L&G has built a portfolio of 10,000 build-to-rent homes in the last eight years, and predicts traditional landlords will gradually be replaced by purpose-built rental properties managed by institutions.

Single-sex toilets will be legally required in all new restaurants, bars, offices and shopping centres, the government has announced. 

It is set to change building regulations later this year to make it compulsory for premises to provide separate facilities for men and women. 

The move follows an increase in the use of gender-neutral toilets. 

The UK has installed a record number of public electric car chargers this year, figures show. 

Nearly 6,000 new chargers were installed in the first three months of the year, according to Zapmap analysis of government data. 

Some 1,500 of these were rapid chargers. 

A common concern among those hesitant to switch to electric vehicles is range anxiety or the fear of not being able to find a charger. 

By Emily Mee , Money team

Scroll through GoFundMe and it won't be long before you see them.

There's a widow left with her husband's financial struggles. Three young siblings trying to raise funds for their mum's send-off after her sudden death. A 25-year-old domestic violence victim whose family want to give her the send-off she deserves. 

There are scores of pages like this as an apparently increasing number of Britons struggle with funeral costs.

These costs have risen 126% in the last two decades, according to a recent report from SunLife. 

Where families would once have paid £1,835 for a basic funeral, they are now looking at costs of £4,141 on average. 

"People can't afford to bury their dead," says Pastor Mick Fleming, who runs the charity Church On The Street. 

He frequently spends his time helping families pay for funerals and providing his services as a minister for free, although he says there is simply too much demand for his small charity to help everyone. 

Government or local authority grants are available to help families with funeral costs, but Pastor Mick says these can come too late as undertakers will often require a partial payment upfront. 

There's an even darker side to this, too. 

"What we're now seeing is people who are poor can't walk into the bank and get a bank loan - the economy's tough at the minute," Pastor Mick says. 

"They can't get legitimate access to money so they can't borrow it and pay a decent standard rate back, so they have to go to loan sharks."

Many then find it impossible to pay the loan back and face threats from the criminals who lent them the money, says Pastor Mick.

He recalls: "There was a middle-aged lady, she had to borrow the money to bury her son. 

"She couldn't pay the money back so then she started to get threatened and intimidated. People turning up at the house. 

"It was pretty horrendous. She was getting suicidal. She was heartbroken already and she just couldn't get the money together."

The pastor says he was able to negotiate on her behalf - something he is now having to do as part of his charity work - but "you can't do that for everybody". 

A funeral without a service

The number of funeral-related fundraisers increased by 22% on GoFundMe last year, figures shared with Sky News reveal. 

Individual donations to these fundraisers increased by almost 400,000.

Many of these are trying to avoid their loved one being given a public health funeral, which is what happens if families are unwilling or unable to pay. 

Local authorities are legally obliged to carry out funerals in this case, but they are given little guidance from the government on what this should entail - meaning each council will have its own policy on what is or isn't included. 

In some cases, a service will not be offered and a person will be cremated or buried without the presence of family members. 

Other times, the family may be allowed to attend but they might not be able to get involved in the service. 

Generally, people will be cremated, unless they have asked not to be for religious or cultural reasons. 

Those who are buried will often have a grave with no marker, or they may be placed in a communal grave. 

"For someone that's lost a child or a husband or a wife or any loved one where you just haven't been able to provide closure, there's a sense of guilt that goes with it," Pastor Mick says.

As long as funeral costs remain eye-wateringly high, families across the country will be dealing with that guilt. 

This week will see the Bank of England announce its latest interest rates decision - and experts believe borrowers will have to wait longer to see rates come down. 

Policymakers appear set to hold out for stronger signs the cost-of-living crisis has abated, with economists widely expecting the Monetary Policy Committee (MPC) to keep rates at the current level of 5.25%. 

Rates have been held at this level since August last year. 

At the last meeting in March, just one member of the MPC voted for rates to be cut by 0.25 percentage points, but the remaining eight members voted for no change.

Philip Shaw, chief economist at Investec, said: "This broad direction illustrates that collectively the committee is moving gradually towards a rate cut.

"It seems unlikely though to be ready to bite the bullet just yet and the Bank rate looks set to remain on hold at 5.25% for the sixth consecutive meeting."

Andrew Goodwin, chief UK economist for Oxford Economics, said data on services inflation and private sector regular pay growth has "likely extinguished any remaining hopes of a move in May".

As for whether rates could be cut in June or August, he said it is likely to be a "close call". 

Economists at HSBC are also expecting the first rate cut to come in June.

Interest rates are used as a tool to help bring down UK inflation. 

The brewing giant has announced it will invest £39m in revamping 600 of its pubs across the UK - a move that will create more than 1,000 new jobs. 

The investment plan will also see pubs in its retail arm, Star Pubs & Bars, revitalised to appeal to those working from home. 

Sixty-two pubs will be reopened this year and 94 sites are set for full refurbishments. 

The remaining pubs will receive varying upgrades. 

Heineken said it wanted to "broaden each pub's use and appeal" in response to an increase in people working from home, giving customers more reason to visit throughout the day.

The refurbished pubs will have dividing screens to create separate areas for different types of customers. 

Lawson Mountstevens, chief executive at Star Pubs & Bars, said: "Fundamentally, the changes in people's working habits means that in a lot of these suburban locations, you've got more people who are around those areas a lot more.

"It's not rocket science. Those people are looking for pubs of a certain standard."

Aldi remained the cheapest supermarket last month, new analysis shows. 

The retailer has won the crown of cheapest supermarket every month so far this year, according to research by Which?. 

An average basket of 67 popular groceries cost £112.90 - more than £30 cheaper than the most expensive supermarket, Waitrose. 

A basket of comparable items in Waitrose would cost £144.13 on average. 

Here is the breakdown for each supermarket... 

• Aldi - £112.90
• Lidl - £115.23 
• Asda - £126.98
• Tesco - £128.17 
• Sainsbury's - £131.02 
• Morrisons - £134.87 
• Ocado - £136.86 
• Waitrose - £144.13. 

Food price inflation has slowed to 4.5%, its lowest level since February 2022. 

Despite being the most expensive, Waitrose and Ocado were the only grocers to win new shoppers in the first three months of the year, according to research by Kantar. 

Every Monday we get an expert to answer your money problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

"My daughter recently bought a flat and has since learnt there is an extra £600 a year management fee that was not declared by the vendor during the sales process. We have been told that the vendor was heavily involved in negotiating the management contract. Can we complain?" J Mills

Serena Amani, managing director at Monarch Solicitors , has this advice...

The general principle when buying a property is "buyer beware", which means the onus is on the buyer to perform their due diligence before contracting to purchase.

The buyer's conveyancing solicitor interrogates the contractual documentation and raises relevant enquiries to ensure the full facts and obligations are available to the buyer to make an informed decision.

In this situation, it appears the seller has failed to disclose the management fee - we assume relating to the services provided to the estate.

We can't give specific advice as we don't have access to the contractual documentation. However, we would suggest:

• To check if the obligation to pay a management fee is set out in the lease if it is a leasehold property, or the transfer deed if it is a freehold property. These documents should contain what services are provided and what the related charges are. The most common scenario is that of a leasehold flat. In this situation the services shall be set out under the service charges section. Generally, there is a provision that allows a management company to charge a management fee as a percentage of the overall service charge bill which is shared among all the leaseholders based on the size of their apartment.
• If the obligation to pay the management fee is in the contract and your conveyancer failed to notify you of this obligation, there is a potential negligence claim against the conveyancer which can be pursued through their complaints process and escalated to the legal ombudsman.
• In the rare instance that the management fee is not stipulated in the contract, then you may wish to contact the management company to obtain certified accounts for the services provided and ask them on what contractual basis they are charging a management fee. Management companies are obliged by statute to provide this information.
• If there is no contractual basis or the fees are unreasonable then you may consider bringing a claim before the property tribunal. The tribunal has the power to make a ruling on the reasonability of the management fees. It should be noted that it can be a long and arduous process and legal fees are not always recoverable even if successful.
• Where a seller has supplied misleading information about a property that materially influenced the decision to purchase the property, this could give rise to a claim for misrepresentation. Likewise, intentional concealment of this information during the sales process could constitute a breach of contract or misrepresentation. 

For more specific advice, you may wish to contact a property lawyer experienced in the conveyancing process and service charge disputes.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about.  Submit your dilemma or consumer dispute via - and please leave your contact details as we cannot follow up consumer disputes without them.

• The form above - make sure you leave a phone number or email address
• Email [email protected] with the subject line "Money blog"
• WhatsApp us  here .

The long-awaited arrival of the sun in the last few days may have got you thinking ahead to the summer... which for many means holidays.

New analysis sent to the Money team has revealed the holiday resorts that Britons have been searching for over the last few months - although it's not a particularly sun-soaked destination that has come out on top.

Amsterdam is the most in-demand holiday destination for the UK, according to a study by Desert Safari Dubai Tours. 

The company looked at Google search data over the past 12 months to find which holiday destinations were most popular in the UK, using terms such as "holidays to", "flights to" and "trips to". 

Some 57,507 searches were carried out each month for trips to Amsterdam. 

The second most in-demand was Dubai , with an average of 52,544 monthly searches. 

Here is the rest of the list...

• New York - 51,169 
• Paris - 43,326 
• Tenerife - 43,305
• Barcelona - 41,664
• Dublin - 38,801
• Gran Canaria - 33,907
• Milan - 28,549
• Istanbul - 28,097

Meanwhile, data from holiday booking site Expedia suggests Britons are chasing the sun over the summer. 

Its trending destination data shows a 50% increase in searches for mainland Greece - while its islands of Santorini and Corfu remain popular. 

Interest is also surging in Mediterranean gem Malta (up 25%), seen as a more affordable destination. 

Searches are also up 50% for Albania , which has seen a surge in interest due to social media. 

The short-haul hotspot of Tunis has seen searches rocket by 130%. 

We're back for another week of consumer news, personal finance tips and all the latest on the economy.

This is how the week in the Money blog is shaping up...

Today : Every week we ask industry experts to answer your Money Problems . Today, a Money blog reader believes they may have been misled when buying their flat - but what can they do?

Tuesday : This week's  Basically...  explains everything you need to know about the Bank of England, ahead of Thursday's base rate decision. 

Wednesday : We speak to the chef at Tom Kerridge's two-starred pub The Hand And Flowers in Buckinghamshire for his Cheap Eats.

Thursday : It's decision day for the Bank of England, and while interest rates are expected to be held at 5.25%, we may learn more about when a cut will come.  Savings Champion  founder Anna Bowes will be back with her weekly insight into the savings market.

Friday : We will be getting the latest GDP figures on this day - which could signal the UK is no longer in recession. Plus, we'll have everything you need to know about the mortgage market this week with the guys from Moneyfacts.

Running every weekday, Money features a morning markets round-up from the  Sky News business team  and regular updates and analysis from our business, City and economic correspondents, editors and presenters -  Ed Conway ,  Mark Kleinman ,  Ian King ,  Paul Kelso  and  Adele Robinson .

You'll also be able to stream  Business Live with Ian King  weekdays at 11.30am and 4.30pm.

Bookmark  news.sky.com/money  and check back from 8am, and through the day, each weekday.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

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