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About TripAssure

Superior customer service is as important to us as it is to you..

TripAssure is a Generali Global Assistance & Insurance Services brand.

We know that you have many choices in selecting your travel insurance provider. When you select us, you have a team of experienced specialists and technical experts in the travel insurance industry working together to provide you with prompt and professional service. We strive to anticipate your needs and solve your problems before they occur.

We value your business and promise that we will always provide you with the integrity and service for which we are known. Superior customer service is as important to us as it is to you. We promise to provide you with:

  • People who care  – Our staff listens to what you have to say.
  • Prompt, responsive solutions  – Our staff will answer your questions or solve your problems quickly.
  • Industry-leading plans  – We provide you with coverage that is flexible, usable and affordable.

We sell insurance as authorized representatives of the insurance companies listed on our website. We are licensed in all states , as required by law.

  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Travel Guard
  • Berkshire Hathaway Travel Protection
  • Tin Leg Travel Insurance
  • WorldTrips Travel Insurance
  • Trawick International Travel Insurance
  • Travelex Travel Insurance

Travel Insurance Tips

  • Why You Should Trust Us

Ultimate Guide to Choosing the Best Travel Insurance

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Runner-Up
  • Travel Guard : Best for Cruises
  • Berkshire Hathaway Travel Protection : Best Reputation
  • Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
  • WorldTrips Travel Insurance : Best for Digital Nomads
  • Trawick International Travel Insurance : Best Low-Cost Option
  • Travelex Travel Insurance : Best for Road Trips

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

  • 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

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Berkshire Hathaway Berkshire Hathaway Travel Protection

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
  • con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
  • con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
  • con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

  • This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
  • Travelers can file claims directly from a smartphone by using the BHTP app

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection  helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.

Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

WorldTrips Travel Insurance Review

Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance

Trawick International Travel Insurance  is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.

Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Why You Should Trust Us: How We Chose The Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

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

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

**Enrollment required.

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rei travel insurance

Best Health Insurance for Visitors to the U.S. (2024)

U.S. visitors can get travel medical insurance for as low as $89 per trip.

from Seven Corners via Squaremouth.

Alexandra Carver Photo

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 Photo

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.

Seven Corners, WorldTrips, IMG and Trawick offer the best health insurance plans for visitors to the U.S.

In this guide, we’ll provide you with details on travel health insurance plans from these providers, including example quotes, information on how to use your visitor health insurance and more.

Seven Corners Travel Insurance Logo

Do Visitors Need U.S. Health Insurance?

While health insurance is not always mandatory when traveling to the U.S., regulations may vary depending on the circumstances around your visit and your visa needs. In addition, health plans from different countries are generally not accepted in the U.S., which means you could pay thousands of dollars out-of-pocket for treatment in an emergency without a valid plan.

Note that many foreign visitors traveling to the U.S. do not need a visa to enter the country for less than 90 days. However, some visa requirements for long-term visitors require health insurance coverage for the duration of their stay. Regardless of the requirements for your travels, it’s worth considering a travel medical insurance plan based on the high cost of U.S. healthcare. According to GoodRx, an emergency room visit can cost upwards of $2,400 to $2,600 without insurance in the U.S.

Health Insurance Requirements for Visitors

While tourists do not technically need a travel medical insurance plan to obtain a visa, other types of visitors do. For instance, if you’re a student planning to study abroad in a U.S.-based college or university using an F-1 or J-1 visa, you’ll likely need some sort of health insurance or a comparable equivalent. Many universities that accept students on visas require medical coverage that complies with the school’s outlined health insurance requirements.

Note that health insurance requirements for visitors to the U.S. largely depend on the type of visa you need to enter the country. Regardless of whether it’s required, we recommend medical insurance based on the high costs of U.S. healthcare services.

Best Travel Medical Insurance for Visitors to the U.S.

Our team has spent extensive time researching the best travel medical insurance plans for visitors to the U.S., considering factors such as availability, coverage, customer support and provider reputation.

  • Seven Corners Travel Medical Basic : Our pick for group travelers
  • WorldTrips Atlas America : Our pick for high coverage limits
  • IMG Patriot Lite : Our pick for budget coverage
  • IMG Patriot America Plus : Our pick for continuous coverage
  • Trawick Safe Travels USA Comprehensive : Our pick for wellness coverage

Seven Corners

Seven Corners Travel Insurance

Why We Picked It

Seven Corners’ Travel Medical Basic plan is our pick for group travelers. This plan is specifically designed for groups of up to 10 non-U.S. residents and non-U.S. citizens aged 14 days or older, making it ideal for families traveling together . However, it is also available for solo travelers. You can extend coverage for up to a year, with protection both in the U.S. and worldwide.

Pros and Cons

Medical coverage details.

The Travel Medical Basic plan offers extensive coverage with benefit maximums of up to $1 million and various deductible options, making it easy to customize a plan to suit your needs. Medical coverage offered through this plan includes the following:

  • General medical
  • Emergency dental
  • Emergency services and assistance
  • Accidental death and dismemberment (AD&D)
  • Optional adventure activity coverage

Learn more :  Seven Corners Travel Insurance Review

WorldTrips Travel Insurance

WorldTrips’ Atlas America plan is our pick for high coverage limits. This plan is designed for U.S. tourists, temporary workers, business visitors and international students studying abroad , providing accessible health coverage to a variety of travelers. It provides overall coverage maximums of up to $2 million, with up to $1 million for emergency medical evacuation coverage.

The Atlas America plan offers up to $2 million in overall coverage and seven different deductible options, providing sound medical coverage along with supplemental travel benefits. Medical coverages include services that fall under the following categories:

  • Emergency dental and vision

Learn more: WorldTrips Travel Insurance Review

International Medical Group

We chose IMG’s Patriot Lite plan as our pick for budget coverage — the company quoted us less for this plan than its competitors on our list. You can buy this plan as an individual or group, making it ideal for family members traveling to the U.S. together. Like other insurance companies in this review, IMG is partnered with UnitedHealthcare, meaning policyholders have access to a domestic network of over 1.4 million physicians for medical care.

Policyholders can choose coverage with a maximum of up to $1 million with the Patriot Lite plan, with deductibles ranging from $0 to $2,500. Coverages with the Patriot Lite plan include the following:

Learn more : IMG Travel Insurance Review

IMG’s Patriot America Plus plan also made our list for providing short-term insurance for business and leisurely travelers. We named it our pick for continuous coverage, as it provides up to 24 months of renewable, consecutive coverage. Other benefits include access to multilingual customer service representatives and a maximum limit of up to $1 million. Unlike IMG’s Patriot Lite plan, Patriot America Plus covers COVID-19 treatments.

As with IMG’s Patriot Lite plan, coverage with a maximum of up to $1 million is available, with your choice of deductible from $0 to $2,500. Coverages with the Patriot America Plus plan include the following:

Trawick International

Trawick International

We named Trawick’s Safe Travels USA Comprehensive plan our pick for wellness coverage, as it affords policyholders a general wellness visit with a U.S. doctor during their travels for up to $125. As is standard across most plans in our review, Trawick’s Safe Travels plan offers up to $1 million in medical expense coverage. It also offers up to $2 million in emergency medical evacuation coverage and eight deductible options up to $5,000.</p

The Safe Travels USA Comprehensive plan covers up to $1 million in medical benefits after you pay your deductible. Benefits provided with each plan include:

  • Optional sports activity coverage (excludes extreme sports)

Read more : Trawick International Travel Insurance Review

Compare Travel Medical Insurance Plans for U.S. Tourists

See the table below for a direct comparison of costs, deductibles and more between travel medical insurance plans for U.S. visitors.

We based plan costs on quotes we obtained for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan includes a medical maximum of $500,000 with a $250 deductible. Note that your actual cost will depend on factors such as your age, number of travelers, chosen deductible and more.

Types of Health Insurance for U.S. Visitors

Travelers have options when it comes to health insurance for U.S. visitors. For one, you could choose an international travel medical insurance plan, which provides coverage for emergency medical expenses or evacuation abroad. A U.S. short-term health insurance plan is also an option. Some health insurance companies, such as UnitedHealthcare, work with providers to allow policyholders to use the company’s preferred provider organization (PPO) network.

If you’re wondering whether your domestic health insurance policy will cover you in the U.S., we encourage you to contact your insurance provider for more details. You may need to purchase valid coverage specifically for your U.S. trip if you’re concerned about or foresee needing medical care abroad.

Fixed Medical Insurance

Fixed medical insurance or fixed indemnity insurance pays a predetermined amount of money for specific medical procedures and services. This type of medical insurance plan is limited — no matter what your total bill amounts to, it will not cover more than the agreed-upon amount. Fixed medical insurance plans are usually cheaper than comprehensive policies, which we cover in the next section.

Comprehensive Medical Insurance

Comprehensive medical insurance covers doctor’s visits, hospital care, prescription drugs and more without setting limits on certain services. Note that these plans typically have coverage maximums, deductibles and copays, so you will have to pay a certain amount before your policy covers any medical expenses. 

Comprehensive coverage does not have benefit limits based on the type of medical service like fixed medical does, but it will cost you more overall. However, because health care in the U.S. is expensive, you may find comprehensive plans more beneficial in the long run despite being pricier than a fixed plan.

Short-Term vs. Long-Term Health Insurance

Short-term and long-term health insurance plans provide coverage that lasts for a specific period. You can consider travel medical insurance plans short-term policies for U.S. visitors, as they can cover medical expenses incurred during a period lasting less than a year. 

If you plan on staying in the U.S. for longer than a year, you may be eligible to purchase a health insurance plan through a domestic provider, depending on your visa. For example, if you have a J-1 or F-1 visa, you may be eligible for a university-sponsored or private health insurance plan. We encourage you to check with the U.S. Department of State when you receive your visa for more on what long-term health insurance options are available to you.

What Does Travel Insurance in the U.S. Cover?

Travel insurance in the U.S. provides a variety of coverages for unexpected events that can affect your travel plans both before and during your trip. Specifics will vary depending on your choice of policy but will likely include some or all of the following coverages:

  • Trip cancellation: If you must cancel your trip for a covered reason, travel insurance can help you recover non-refundable costs such as hotel reservations, airline tickets and more.
  • Trip interruption: If you need to cut your vacation short for a covered reason, travel insurance plans can compensate you for expenses you didn’t use during your trip.
  • Trip and baggage delays: A travel insurance policy can help cover costs you incur if your trip or baggage gets delayed for a covered reason. Most coverage also includes lost or stolen baggage.
  • Emergency medical: Emergency medical coverage can reimburse the cost of necessary treatments if you experience a medical emergency abroad up to a maximum amount.
  • Emergency evacuation and transport: If you need transportation to a medical facility in the U.S. during a medical emergency, this coverage will provide an expense limit for the services. This benefit can also cover emergency evacuations if a natural disaster or political conflict occurs and affects your travels.

How Much Does Travel Health Insurance for U.S. Visitors Cost?

Our research found that the cost of travel insurance for U.S. visitors can range from $96 to $115 . This range is based on quotes gathered for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan we obtained a quote for included a medical maximum of $500,000 with a $250 deductible.

For cost data specific to your travel needs, we encourage you to gather quotes from the providers in this review. The quotes you receive will depend on factors such as your age, plan limits, chosen deductible, number of travelers and more.

How To Use Visitor Health Insurance

If you’ve purchased a visitor medical insurance plan for your stay in the U.S., it’s important you understand how to use it. Healthcare facilities in the U.S., such as doctor’s offices, urgent care locations and emergency rooms, often require you to bring an insurance card with you. This card includes essential information associated with your policy that helps the facility file a claim with your insurance provider. If you have one through your visitor health insurance plan, it is best to have on hand when receiving medical treatment.

Note that your health insurance plan may also require pre-approval before you receive treatment. Your insurance company may verify a procedure or medicine is necessary before agreeing to cover it. This preauthorization usually is not required in an emergency, but your insurance provider may request it in other circumstances.

Many visitor health insurance plans also cover prescription medications. If you’ve been prescribed medicine through a U.S. doctor during a medical visit, a pharmacy may choose to verify your prescription before filling it. This means the pharmacy will contact your healthcare provider with any questions about the prescription being correct. Verification could delay when you receive your medication, but likely won’t take longer than three to10 business days.

Finding Doctors and Hospitals as a Visitor

Most insurers provide online tools that help you find in-network healthcare providers and facilities covered by your insurance policy. Note that you may pay more if you choose to receive care through a doctor or facility that is not considered in-network. Out-of-network providers do not contract with your health insurance plan to provide agreed-upon rates. Unless you have a plan that lets you pick any provider you’d like, you will need to find a provider or facility working with your insurance.

If you want to verify the benefits offered by your insurance plan, contact your insurance provider directly or consult any documentation provided at the time of purchase. Healthcare providers may also take steps to verify your coverage, as it ensures the facility receives payment and lessens the chance of a denied insurance claim. 

The cost of medical treatment depends entirely on the type of insurance plan you have. If you’ve purchased a travel medical insurance plan, your provider will cover emergency medical expenses up to a maximum amount. Once you’ve hit that limit, you will have to pay the rest of your bill. If you have a plan with a deductible or co-pay, you must pay that amount before your insurer will cover your expenses.

Paying Medical Bills Without Insurance

If you opt out of medical coverage when visiting the U.S. and end up needing medical care, you will have to cover the entire bill out of pocket. However, you have several options regarding payment. You can contact the debt collector in charge of your bill and work to negotiate the cost of your bill down . You can also set up a payment plan that works with your income and what you can afford. 

While these payment options can be helpful, they do not negate the high U.S. healthcare costs, and can still leave you with a substantial bill after a medical crisis. According to a study by the Peterson-KFF Health System Tracker , health expenditures per person in the U.S. in 2022 were over $4,000 more than any other high-income nation. For this reason, we recommend some form of medical coverage to help cover potential emergency expenses when visiting the U.S.

Filing a Claim with Visitor Health Insurance

Filing a claim through a visitor insurance plan or travel medical insurance policy will vary based on your provider. Note that providing proper documentation will help the claims process go smoothly, so it is important to keep track of hospital invoices and other billing forms.

If you have a domestic health insurance policy, the healthcare facility that provided your treatment will file your claim. You’ll receive a bill once your insurance provider processes the claim. On the other hand, travel medical insurance may require you to submit documents proving your claims for emergency medical treatment. Once your claim has been approved, your travel insurance company will reimburse your medical bills.

Where Can You Buy Visitors Insurance?

You can buy visitors’ insurance directly from travel insurance companies, international health insurance companies, university-approved providers and domestic providers, depending on the type of visa required during your stay. If you’re on a tourist visa, you can purchase travel medical insurance covering emergency medical services and transport, if needed, to a healthcare facility. Most travel insurance providers also offer travel healthcare plans that can last up to a year if you are planning multiple trips.

If you’re on a J-1 or F-1 visa and enrolling in a schooling program, contact your university to see if you’re eligible for a sponsored or private health insurance plan. If you need clarification on the available coverage or plan to stay in the U.S. for longer than a year, contact the U.S. Department of State for more information.

The Bottom Line: Do U.S. Visitors Need Health Care Coverage?

Healthcare in the U.S. is expensive. While medical insurance isn’t required for some visitors — such as tourists on a B-2 visa — it’s still worth considering if you’re concerned about an unexpected medical emergency abroad. We encourage you to extensively research your visa type and the coverage available to you before settling on a plan. Understanding the benefits and exclusions of a healthcare coverage plan will ensure there are no surprises if you need medical care during your U.S. trip.

Frequently Asked Questions About Visitor Health Insurance

How much is visitor health insurance in the u.s..

Visitor health insurance costs in the U.S. depend on factors unique to your travel needs. After gathering quotes from the providers in our review, we found that visitor health insurance can range from $89 to $115 . This range is based on a 30-year-old Australian citizen traveling to the U.S. for 30 days, opting for a plan with a medical maximum of $500,000 and a $250 deductible. Your actual costs will vary.

How much does travel insurance cost for trips to the U.S

Our research team found the average cost of travel insurance ranges from $35 to $400, with the average being $221 for a standard policy. Your costs will vary depending on your chosen plan, provider, length of travels, number of travelers and more.

Can foreign visitors get insurance while in the U.S.?

Yes, foreigners can get insurance while in the U.S. Various insurance options are available to travelers depending on their length of stay and visa type. It’s best to research what’s available to you based on your visa requirements before purchasing a plan.

Is it hard to get travel insurance for U.S.-based trips?

No, it’s not hard to get travel insurance for travel to the U.S. Providers such as Seven Corners, WorldTrips, IMG, Trawick and more provide plans for non-U.S. citizens seeking trip and medical coverage while abroad.

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).

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11 Best Travel Insurance Companies in March 2024

Sean Cudahy

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

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

  • Best travel insurance companies

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Get a credit-builder product or a secured loan, use a co-signer, become an authorized user, get credit for the bills you pay, practice good credit habits, check your credit scores and reports, types of travel insurance, what does travel insurance cover.

  • What's not covered?

How much does it cost?

Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

  • Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection

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Berkshire Hathaway Travel Protection

  • ExactCare Value (basic) plan is among the least expensive we surveyed.
  • Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $56 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

Even cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

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Annual or single-trip policies are available.

  • Multiple types of insurance available.
  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • CFAR upgrades are not available.
  • Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

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Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $75 for our sample trip, the Essential plan was about average.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

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Travel Insured International

  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.
  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

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World Nomads

  • Travelers can extend coverage mid-trip.
  • The standard plan covers up to $300,000 in emergency evacuation costs.
  • Plans automatically cover 200+ adventurous activities.
  • No Cancel For Any Reason upgrades are available.
  • No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($81 for our sample trip) provides less coverage than the higher-priced Explorer but can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

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Travelex Insurance Services

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.
  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $63, nearly 17% below average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

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Seven Corners

  • Annual, medical-only and backpacker plans are available.
  • Cancel For Any Reason upgrade is available for the cheapest plan.
  • Cheapest plan also features a much less costly Interruption for Any Reason add-on.
  • Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Italy costs $75 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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  • Coverage available for adventure travelers.
  • Special medical insurance for ship captains and crew members, international students and missionaries.
  • Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $59 for our trip to Italy — more than 20% below average.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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  • In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $64 for our sample trip, knocking about $10 off the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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  • Covers up to $300 redepositing points and miles on eligible canceled award flights.
  • Optional add-on protection for business equipment or sports rentals.
  • Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $89, the Basic plan was among the more expensive for our trip to Italy.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

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HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
  • No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $73, the TripProtector Economy policy is just below the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverage are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

What’s not covered?

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Methodology

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

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

On a similar note...

rei travel insurance

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel

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Allianz Travel

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

ONE-TRIP PLANS

Safer travel starts with travel protection

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Allianz - Allianz: Worldwide Olympic and Paralympic Insurance Partner

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

Why Smart Travelers Love the Allianz TravelSmart App 

Lee Abbamonte has visited every country in the world — and he never travels without the Allianz TravelSmart TM app. Find out how this free app can streamline your trip planning, show important safety updates and help out when you’re in a jam.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allianz TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

Allianz - 2022 Travel Weekly Readers Choice Awards

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Before your trip, download the Allianz TravelSmart® app to access your information and policy while traveling.

Get the app »

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

Allianz - TRIP_logo-50

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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These are the 4 best family travel insurance plans

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

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

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

Best family travel insurance  

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

Best for families with young children 

Allianz travel insurance.

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

Policy highlights

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

24/7 assistance available

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

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

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

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

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

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

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

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

Best for CFAR coverage 

Travel insured international travel insurance.

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

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

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

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

Best for cruises  

Berkshire hathaway travel protection.

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

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

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

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

More on our top family travel insurance companies 

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

CFAR coverage available?  

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

24/7 assistance?  

[ Return to summary ]  

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

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

Travel Insured International 

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

Berkshire Hathaway Travel Protection 

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

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

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

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

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

Bottom line

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

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

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

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

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

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

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

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  • Key takeaways

Is Generali travel insurance any good?

  • Bottom line Main highlights of Generali travel insurance

Generali travel insurance plans & coverage

Cost of generali travel insurance plans, generali travel insurance reviews from customers, is generali travel insurance worth it, faq: generali travel insurance, related topics.

Generali Travel Insurance Review 2024

Leigh Morgan

With over three decades in the industry , Generali Global Assistance stands out as a reliable travel insurance provider.

The company offers three plans with various coverage options that cater to your specific travel needs.

In the Generali review, we’ll break down its offerings and give insight into customer experiences to help you decide if this provider is the right choice for your travel insurance.

  • Generali Global Assistance offers three comprehensive travel insurance plans : Standard, Preferred and Premium.
  • All plans include medical and medical evacuation coverage, as well as coverage for lost/damaged baggage and trip cancellations, delays and interruptions.
  • You can purchase rental car coverage as an add-on for any of the three plans.
  • Generali has excellent ratings of A+ from the Better Business Bureau and A from AM Best. 
  • Customer reviews highlight an easy claims process, clear terms and helpful customer service .
  • To easily view all travel insurance plans available, try using an online comparison tool .
  • A+ from the Better Business Bureau
  • High medical and medevac limits
  • Every plan includes coverage for trip cancellation
  • Higher cancellation limits
  • Pre-existing conditions only covered in the premium plan
  • Baggage delay coverage requires 12 hour delay (long)

Yes, Generali travel insurance is a good choice for a travel insurance provider.

Generali is one of the largest travel insurance brands in the world. The company has been in business for 32 years, and it’s also accredited by the Better Business Bureau. 

Generali has an A+ BBB rating and an A (excellent) AM best financial rating, which means it has an excellent ability to  meet its ongoing insurance obligations . In other words, the company isn’t likely to fail.

Unlike many travel insurance providers, Generali offers comprehensive plans at every level . Even the most basic plans include several types of insurance coverage. That’s why Generali Standard is one of the top five most popular travel insurance policies sold on our website.

Here’s a look at the main highlights and benefits of Generali travel insurance.

Bottom line: Main highlights of Generali travel insurance

Generali Global Assistance only offers three travel insurance plans, but each one is extremely comprehensive. 

All three plans offered by Generali Global Assistance have high medical and medevac limits , giving you extra peace of mind for both domestic and international trips. This can be especially beneficial if you plan to travel to a remote area where you may need much higher medevac insurance limits.

In addition to medical and medical evacuation coverage , every plan includes coverage for trip cancellation , trip delays, trip interruptions and lost/damaged baggage. That’s not always the case with travel insurance. Generali Global Assistance travel insurance also has higher limits for these scenarios, which is a huge benefit because delays, cancellations and interruptions are so common.

Generali Global Assistance offers three travel insurance plans: Standard, Preferred and Premium.

Generali Global Assistance

Generali standard.

This insurance plan is great for travel within the United States, North America and the Caribbean. It comes with $50,000 in medical insurance per person, which is ideal for supplementing your existing U.S. health insurance plan. The Standard plan also includes $1,000 in coverage for lost or stolen baggage, $200 per person for baggage delays and up to $250,000 in emergency assistance and transportation benefits.

Generali Preferred

The middle-of-the-road insurance plan has high coverage limits for trips abroad or within the United States. In general, you’re paying for higher limits on all standard benefits, but the plan does come with a few extras. For example, the Preferred plan includes dental coverage, additional accidental death and dismemberment (AD&D) benefits and insurance for lost or damaged sports equipment.

Generali Premium

This insurance plan is best for premium coverage on international trips or trips to remote locations where you may need higher plan limits and payouts. It comes with $250,000 of medical coverage per person and $2,000 per person in baggage coverage. The Premium plan also includes rental car coverage as a standard benefit.

Optional rental car collision damage waiver

Generali Global Assistance also offers $25,000 in rental car damage protection. This is an optional benefit, so it doesn’t come standard with any of the three insurance plans described above. However, you can pay extra to opt in and get upgraded benefits.

If you add this type of insurance to your plan, you’ll be covered for losses due to vandalism, collision, inclement weather and theft.

The company will pay the lesser amount of the following:

  • The cost to repair the vehicle and any rental fees charged while it’s out of service
  • The cash value of the vehicle

This type of travel insurance doesn’t apply to vehicles that are more than 20 years old, vehicles used for commercial purposes or vehicles with a manufacturer’s retail price exceeding $75,000. There are some additional exclusions, so read your travel insurance policy carefully to ensure you understand what’s covered.

Things not covered by Generali Assistance USA Travel Insurance

Generali Global Assistance offers comprehensive travel insurance, but its plans don’t cover everything. 

These items are excluded from the Standard, Preferred and Premium insurance plans:

  • Financial defaults: In the insurance industry, financial default coverage protects you in the event that a travel supplier suspends its operations due to financial difficulties. Generali’s travel insurance plans don’t come with this type of coverage.
  • Cancel for any reason: Cancel-for-any-reason travel insurance allows you to recoup your costs for any reason, even one that isn’t listed as a “covered reason” under your basic trip cancellation coverage. Generali offers this type of insurance as an add-on, but cancel-for-any-reason coverage isn’t included with the Standard, Preferred or Premium plans.
  • Pre-existing conditions: When you’re looking at travel insurance, a pre-existing condition is any health problem that you had before you booked your trip. Unless you purchase an add-on, Generali doesn’t provide any coverage for these conditions . The company has a 180-day lookback period, which means your illness or injury must be stable for at least 6 months if you want a pre-existing condition waiver.

According to sales data from visitors to our website, the average cost of a Generali Global Assistance travel insurance plan is $282.95 for a 14-day trip.

Of course, many factors go into determining the cost of travel insurance, such as:

  • The type of coverage
  • The number of travelers
  • The length of the trip
  • Your destination

To give you a general idea of how much Generali travel insurance plans cost , we got various quotes for the Standard, Preferred and Premium plans. For all quotes, we used California as the state of residence.

Example Quotes from Generali Global Assistance

One of the best ways to get an idea of quality is to review what Generali customers are saying about it. To help you get a better idea of what Generali customers like (and don’t like), we’ve done the research and listed out the top recurring feedback from real customers on Squaremouth .

What customers like

Customers have mentioned the following as some of the major benefits of purchasing travel insurance from Generali:

  • Easy claims process
  • Clear terms of service
  • Helpful customer service agents

Here are a few comments from satisfied reviewers:

Tatiana from California: “It gave me a peace of mind, and I will use it again in the future.”

Kathryn from New York: “The insurance company sent me a notification and asked if I needed their assistance. I refused because I had a courtesy well check from the hotel physician and was fine. I was extremely pleased with the company’s immediate follow up.”

What customers don’t like

Although this travel insurance provider has thousands of positive reviews, past customers have pointed out a few drawbacks to using Generali:

  • Slow to reimburse
  • Difficulty connecting with a live agent
  • Cumbersome documentation requirements

These reviewers provided negative feedback:

AJ from Massachusetts: “I tried to file a claim; their online claims module failed miserably. It kept rejecting my UN and PW, even though I was logged in and using the same credentials, as required, for the claims site.”

Rinnea from Illinois: “They say claim is under review. It has been since August 18 when they received claim. It is now October 17 and nothing.”

Buying travel insurance from Generali is definitely worth it. It’s a well-established company with several plans to suit your unique needs.

The Standard plan was one of the best-selling plans on our website over the past year, indicating it was one of the most popular options with customers.

Generali is right for customers who need comprehensive travel insurance and don’t want to spend time picking from 10 or 12 plans. Although the company only offers three types of travel insurance, each plan includes valuable benefits.

The Standard plan is ideal for budget-conscious consumers who need travel insurance and don’t want to spend a lot of money. Generali’s standard benefits are well-suited for people taking trips within the United States, Canada, Mexico and the Caribbean.

Generali’s Preferred travel insurance is ideal if you’re traveling internationally or planning an expensive trip within the United States. It increases the limits on standard benefits and adds dental coverage, travel insurance for lost or damaged sports equipment and extra AD&D coverage.

Premium travel insurance is best for travelers who plan to travel overseas or spend time in remote locations, as it costs a lot more to get emergency care in a remote area than it does in a big city. The Premium plan comes with high coverage limits and adds rental car coverage as a standard benefit.

If you’re looking for a larger selection of plans, you may want to go with a different travel insurance provider.

Are Generali travel insurance plans good?

Yes. Although the company only offers three travel insurance plans, each one comes with solid coverage limits. Every plan also includes coverage for trip delays, trip interruptions, trip cancellations and lost/stolen baggage, which is unusual for such inexpensive travel insurance. Depending on which plan you purchase, Generali Global Assistance may reimburse you for anywhere from 125% to 175% of your trip cost for travel interruptions.

Does Generali cover COVID-19?

Yes. Each travel insurance policy covers COVID-19  as part of its standard benefits. For example, if you come down with COVID-19 after your trip begins, the company may reimburse you for all non-refundable expenses under the terms of your trip interruption coverage. You may also be able to use trip cancellation coverage, medical benefits, medical evacuation insurance or other travel insurance benefits to recoup your costs.

Does Generali include 24/7 travel assistance?

Yes. The company offers 24/7 travel assistance for customers who need help navigating international medical systems, finding emergency medical resources, using travel insurance benefits or returning home due to a medical emergency.

Does Generali travel insurance come with a money-back guarantee?

If you aren’t happy with the coverage you purchased from Generali Global Assistance, you have 10 days from the date of purchase to contact the company and cancel. As long as you haven’t started your trip or filed a claim, Generali will reimburse you for the full cost of your plan. Note that Indiana residents are eligible for a refund up to 30 days after the original purchase date.

Does Generali have an app for travel insurance claims?

Generali doesn’t have an app for submitting travel insurance claims. However, it does have an online portal. You can always use your smartphone or tablet browser to access the portal and start the claims process.

Does Generali travel insurance cover trip cancellations?

Yes. Unlike many insurance providers, Generali includes trip cancellation coverage as a standard benefit with all three of its plans. If you have to cancel your trip for a covered reason, the company will reimburse you for any prepaid, non-refundable expenses. For example, if you paid $1,500 for flights and can’t get a refund from the airline, you may be eligible for reimbursement from Generali.

Does Generali travel insurance work abroad?

Yes. All three of Generali’s insurance plans work abroad, but we recommend that you buy the Preferred plan or the Premium plan if you intend to do any international travel. These plans have higher limits than the Standard plan, so they’re more helpful if you have some type of emergency while you’re overseas.

Leigh Morgan

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Policy Details

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REI Adventures Travel Insurance - 2024 Review

Rei adventures travel insurance.

REI Adventures Travel Insurance

  • Good Medical And Evac Coverage
  • Good Cancel & Interruption Coverage
  • Covers Privately Booked Travel Arrangements
  • Not Just Those Through REI
  • Not Available At Check Out (Must Go Out Of Your Way To Find It)

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Recreational Equipment, Inc., known by the acronym REI, is a Washington state-based retail and outdoor recreation services corporation. It is organized as a consumers' co-operative.

What is REI Adventures Travel Insurance?

REI Adventures, like many large travel agencies, created its own brand of travel insurance. They partnered with TripMate to sell REI customers and members travel insurance called ‘TripAssure’.

TripMate administers the insurance plan and processes claims made against the travel insurance. Generali Global provides the medical, legal and travel assistance services for the policy, and US Fire Insurance Company, a well-known underwriter, provides the underwriting for the policy.

Our Sample REI Adventure

For our sample REI Adventure, we booked the Bryce Canyon & Grand Canyon Hiking Adventure for two travelers from California aged 63 and 62 leaving May 22 and returning May 26.

Hiking dates

REI Adventures provides a discount for its co-op members though even non-members can book a trip at the regular rate.

For our trip, a member will pay $3,299 while a non-member pays $330 more.

If we aren’t members and want to join REI for $30, we will receive $300 off per traveler:

Join REI

Even if you never use REI for the rest of the year, it’s a great choice to get a membership for the discount given for the trip!

Our travelers are REI co-op members so the total trip cost will be $6598.

Let’s look at the trip specifics for our REI adventure:

Trip Highlights

Since there’s going to be hiking in canyons, having good medical coverage, and more importantly having excellent medical evacuation is critical so travel insurance with good coverage is a must.

How to Buy REI Adventures Travel Insurance

REI Adventures does not automatically offer their travel insurance at check out. Below the cancellation policy is an inconspicuous line: “To protect your investment, we recommend that you purchase travel insurance.”

Cancellation Policy

When you click on the words ‘travel insurance’, the link takes you to the REI Travel Insurance page, which still doesn’t have a purchase option. You must click through to their 3rd party vendor, TripMate, to get a quote. It’s not difficult, just inconvenient.

Going to the TripMate site through the link, we are told we can purchase by calling TripAssure directly or clicking on the link for the TripAssure website (see below):

How to purchase travel insurance

We visited the TripAssure website through the link available and input our REI trip details.

We don’t have a variety of policies to choose from. Only the ‘Adventure Plan’ is available to us for $574.

Insurance cost

Although REI only offers the “take it or leave it” Adventure Plan policy, it’s a quality policy. In this case, it doesn’t bother us that there is only one travel insurance option. It’s a good one.

The policy provides $100,000 of medical coverage and $1 million of medical evacuation coverage along with other great benefits.

Schedule of Benefits

In addition, if the policy is purchased within 21 days of the initial trip payment or deposit. receipt, then the exclusion for Pre-Existing Conditions will be waived, provided you are not disabled from travel at the time your plan payment is paid.

Also, if you purchased this plan within 21 days of the date of your initial trip payment or deposit receipt, there is coverage for bankruptcy or default of an airline, cruise line, tour operator or travel supplier (other than the travel supplier from whom you purchased your travel arrangements) which caused a complete cessation of travel services more than 14 days following your policy effective date.

Next, we look deeper into what the REI Adventures travel insurance offers, and how it stacks up against similar travel insurance available at  TravelDefenders .

Compare REI Adventures Trip Insurance to Similar Travel Insurance

Can we find similar travel insurance in the open marketplace for less? We’ll run a quote at TravelDefenders and see.

Inputting our REI trip details into the TravelDefenders quote system we’re shown 27 plans. For domestic travel, TravelDefenders recommends having a minimum of $10,000 of medical coverage and a minimum of $150,000 of medical evacuation coverage .

The least expensive plan on our quote with similar coverage as the REI policy is the Trawick First Class for $384.84 - $186 LESS than the REI Adventure plan!

TWK FC

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage and a waiver to cover any pre-existing medical condition if the policy is purchased within 14 days of the initial trip payment or deposit date.

If we cancel for a listed reason in the policy, such as illness or injury preventing us from traveling, we’ll receive a 100% refund of our trip costs.

However, if we prefer to have maximum cancellation flexibility to be able to use non-listed reasons, then we need to look at a Cancel For Any Reason (CFAR) policy.

Cancel For Any Reason

Have you ever planned a beach vacation and then hear the weatherman predict rain the entire time? Did you ever know someone who cancelled a trip because their dog was sick or their child’s soccer game got rescheduled?

Bet you have!

If you choose to cancel your trip for a reason that’s not covered by the policy, a Cancel For Any Reason policy is your best friend. You’ll get either 50% or 75% of your trip cost back (depending on the policy chosen).

The least expensive CFAR policy on our TravelDefenders quote is the AIG Travel Guard Plus (CFAR 50%) for $478.90.

AIG TG PLUS CFAR

The policy provides $100,000 of medical coverage and $1 million of medical evacuation coverage and a waiver to cover any pre-existing medical condition if the policy is purchased within 21 days of the initial trip payment or deposit date.

If we cancel for a listed reason in the policy we’ll receive a 100% refund of our trip costs. If we use a non-listed reason and cancel up to 48 hours prior to departure, we’ll receive a 50% refund of our trip costs.

However, if we prefer the highest refund available for a non-listed reason, then we’re interested in a CFAR policy that provides a 75% refund of our trip costs.

The least expensive CFAR policy on our quote that provides a 75% refund is the Trawick First Class (CFAR 75% for $654.23.

TWK FC CFAR

This policy provides similar benefits as the standard Trawick First Class policy discussed previously, but adds the Cancel For Any Reason benefit if the policy is purchased within 10 days of the initial trip payment or deposit.

Like other CFAR policies, if you cancel for a listed reason in the policy, you’ll receive a 100% refund of your non-refundable trip costs but if you cancel for a non-listed reason you’ll receive a 75% refund of your trip costs.

There are a few ‘rules’ with Cancel For Any Reason policies:

  • You must insure 100% of the non-refundable trip costs
  • If you are using a non-listed reason to cancel, you must cancel 48 hours or more before your scheduled departure.

CFAR policies are great choices for travelers that are concerned about resurgences of COVID or another pandemic at their destination or maybe fearful of traveling to that area due to political disturbances.

Let’s compare the REI Adventure Plan with the TravelDefenders policies mentioned:

Pre-existing Medical Condition Waiver

One of the most misunderstood phrases in travel insurance policies is pre-existing condition. Health insurance companies made us believe it’s any medical history you’ve ever had.

That’s not the case for travel insurance.

In fact, travel insurance policies consider a   Pre-existing Medical Condition  as an illness, disease, or other condition for which a traveler or immediate family member received or received a recommendation for a test, examination, medical treatment or medication change in the 60 – 180 days (depending on policy) prior to purchasing travel insurance. Most policies have a 60 day look back period.

If you take prescriptions for controlled conditions like blood pressure or diabetes, don’t worry. Conditions older than 60 days and controlled with medication are covered.

Both REI Travel Insurance and the AIG Travel Guard Plus policies cover pre-existing conditions if the policy is purchased within 21 days of initial trip deposit. The Trawick First Class policies require the policy be purchased within 14 days of the initial trip payment or deposit. Make sure you also cover 100% of your trip costs that are subject to cancellation penalties and are fit to travel the day you purchase insurance.

TravelDefenders advocates seniors get a policy with a Pre-existing Medical Condition Waiver whenever possible.  That way, the policy covers you for pre-existing conditions, and reduces the risk an insurance company denies a claim.

Medical Insurance

Adventure travel, as with all travel, exposes you to risks often in remote areas. This can be especially worrisome if traveling internationally. One night in a foreign hospital could cost you $3,000 to $4,000 per night for inpatient care.

Seniors have additional worries:

  • Medicare doesn’t cover you outside the country
  • Medicare supplements might cover up to $50,000, but it’s a lifetime limit
  • You end up paying all out-of-pocket medical expenses
  • Foreign countries don’t give free health care to visitors
  • US State Department does not cover any health care costs of Americans abroad

Maybe you thought universal health care programs overseas would give you free treatment. Nope! Health care is for the citizens of that country, not visitors. They pay for it with their taxes.

When traveling overseas, we recommend Americans have at least $100,000 travel medical insurance  to cover the unexpected. Less than that, and you risk your retirement savings to kayak in Baja.

For US destinations, we recommend having at least $10,000 of additional medical insurance and a minimum of $150,000 of medical evacuation insurance.

Instead of paying a hospital yourself ,  travel insurance medical  benefits pay the provider directly. Travel insurance takes a huge burden off you.

REI travel insurance and the AIG and Trawick policies meet our $100,000 Medical Insurance guideline for foreign travel and well exceed our recommendation for domestic travel.

Worth noting, the AIG Travel Guard Plus policy is a primary medical insurance, while the Trawick policies are secondary. That means it will pay before any other health insurance you have that will cover you.

If you do not have any other health insurance coverage that will cover you, then a secondary medical insurance policy will act as primary.

Emergency Medical Evacuation

If you ever need it, you will find one of the most valuable travel benefits is Emergency Medical Evacuation. Even more so when traveling outside urban areas.

Imagine you’re hiking in Bryce Canyon and your left arm goes numb. There’s no hospital in sight. The closest town is an hour away. What happens if you get there, and they don’t have a cardiologist?

Emergency Medical Evacuation  benefits make sure you get to the right medical center as soon as possible. Sometimes the closest hospital isn’t suitable for your situation.

That’s when medical evacuation takes over. It covers moving you to a hospital with a cardiac ICU so you can get treatment as soon as possible. Once you’re stable and the doctor gives the all clear to go home, evacuation will put you on a flight home.

Or, if medically necessary, put you on an air ambulance private jet with a medical team and equipment to monitor you while going home.

Either way, Emergency Medical Evacuation gets you to the best place to treat you, then brings you back home.

TravelDefenders recommends at least $150,000 medical evacuation benefit , when traveling domestically and a minimum of $250,000 for international trave l.

REI travel insurance and the Trawick and AIG policies offer stellar protection at $1,000,000 for Emergency Medical Evacuation.

Has an airline or cruise line ever  lost your luggage ? Or maybe it showed up delayed or damaged?

Chances are you’ve experienced some sort of  baggage problem  from broken zippers or wheels to just plain disappeared. If you haven’t, count yourself lucky!

If the airline or tour company lost your bags, you could get reimbursed for the cost of replacing your clothing, toiletries, luggage, and miscellaneous items.

REI Adventures travel insurance pays a maximum of $1,000 for lost baggage. That’s less than the Trawick policy at $2,000 and AIG at $2,500.

In addition, the lost baggage benefit also covers damaged items. If your brand-new spinner arrived cracked and missing a wheel, the policy covers repair or replacement.

Suppose you got to the hotel, but the airline delivered your bags 12 hours later. Travel insurance baggage delay benefits reimburse you for the change of clothes and personal articles for that night. REI travel insurance plan pays up to $500 and Trawick and AIG pay up to $400 for delayed baggage.

Travel Delay

Exciting trips turn miserable when airlines delay us. You’re so excited to start the vacation, or tired and ready to go home, and then you’re  stuck somewhere for hours .

REI travel insurance covers that. It pays up to $200 per day to cover meals, taxis and accommodations if you are delayed for 8 hours or more due to:

  • any delay of a common carrier
  • a traffic accident in which you or your traveling companion is not directly involved
  • lost or stolen passports, travel documents or money
  • quarantine, hijacking, strike, natural disaster, terrorism or riot
  • a documented weather condition preventing you from getting to the point of departure

That way, if your flight is delayed overnight, you can get a comforting meal and a good night’s rest at a hotel.

Both versions of Trawick pay $1,000 max per traveler while AIG pays $200 per day up to a max of $1,000 per traveler for travel delay.

Missed Connection

Delays make you feel terrible. Even worse, you’re delayed so long your tour group or cruise leaves without you!

If you miss your trip departure because your arrival at your trip destination is delayed for 3 or more hours due to:

  • weather preventing you from getting to the point of departure

REI Adventures travel insurance will reimburse you up to $1,000 for:

  • your additional transportation cost to join your trip, and
  • your prepaid expenses for the unused land or water travel arrangements.

Trawick and AIG also provide the same $1,000 reimbursement benefit for missed connection as the REI Adventures plan so you can rest assured that even if the hiking adventure tour leaves without you, you’ll be compensated and transported to join the group.

Single Supplement

When you’re on a cruise or tour that charges based on double occupancy, single supplement is very helpful.

If your traveling companion cancels their trip due to a covered reason, but you still want to go kayaking, Single Supplement covers the added cost of traveling alone. From the REI policy:

Benefits will be paid, up to the maximum benefit amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid travel arrangements if a traveling companion’s or family member’s trip is canceled for a covered reason and you do not cancel your trip.

Because REI insurance rates are based on double occupancy rooms, we were pleased to see Single Supplement benefits in the policy.

As you might guess, Trawick First Class and AIG Travel Guard Plus also cover single supplement benefits also known as single occupancy benefits.

Accidental Death and Dismemberment

Nobody wants to think about accidental death on a vacation, but it happens.

REI and the AIG Travel Guard Plus plans pay a $50,000 death benefit, while the Trawick plans pay only $10,000. We do not consider life insurance necessary for travel insurance, so TravelDefenders does not recommend a minimum benefit.

However, it’s a nice added benefit that can help cover burial costs.

But don’t forget. The Emergency Medical Evacuation benefit, not accidental death, pays to return remains.

The REI Adventure Plan is an excellent travel insurance policy, though somewhat expensive as compared to other policies found in the open marketplace. It is similar to the Trawick First Class and AIG Travel Guard Plus policies we found through TravelDefenders. We applaud REI for offering a quality travel insurance policy.

We would recommend the REI Adventure policy IF the price were more competitive with the marketplace version. REI charges a premium for insurance with their name on it but is much more expensive than its marketplace cousins.

If you’re considering the REI travel insurance policy and would like to do a quote comparison, use the quick quote tool at TravelDefenders  to find the best value.

We know you will find a nearly identical policy at lower cost than through REI.

Can I save more by buying directly from the insurance carrier?

The short answer is ‘’No’.

Aardy prices are the same as on the insurance company website. We guarantee you will never find a lower price anywhere for any product found on TravelDefenders.

Have questions? We would love to hear from you. Send us a  chat ,  an email  or call us at +1(786) 321 3723.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Trustpilot reviews image

Great service.

Shanna was fantastic. Great service, great price. All I needed was travel medical and evacuation and Shanna was able to supply a quote. I will definitely give her a call next time I need travel insurance.

ERIC GOLDBACH

It was easy to understand the policy…great policy.

It was easy to understand the policy and your web site was very easy to use and the insurance was way cheaper then using the cruise insurance through Royal Caribbean.

Roy Wheaton

Service was great

The Ascent

Should You Buy Travel Insurance for Your Spring Break Trip?

S pring break is a great time for R&R, but it's not always easy on the wallet. You might already be spending hundreds or even thousands of dollars on flights, and then there are all the expenses you'll incur at your destination -- hotels, food, rental cars, and entertainment, to name a few.

You might be reluctant to add yet another cost to your holiday travel, but travel insurance could be worth the investment. Below, we'll take a closer look at what it covers and how to decide if it's right for you.

What is travel insurance?

Travel insurance helps reimburse travelers for expenses that arise from unforeseen issues on vacation. Every insurance policy covers different things, but most include at least the following:

  • Accidental death and dismemberment coverage: The policy pays out a benefit to the policyholder or their loved ones if the policyholder dies or loses a limb while traveling.
  • Baggage loss/delay coverage: This reimburses travelers for the cost of clothing, toiletries, and other essential goods if their baggage is lost or delayed. Most policies only pay out these claims if the baggage is lost for a certain amount of time.
  • Emergency medical evacuation coverage: This coverage kicks in if the policyholder is forced to return to their home state or country due to a medical emergency that can't be effectively treated where they are.
  • Missed connection coverage: Policyholders may be reimbursed under this coverage if an airline carrier's delays force them to miss a connecting flight to their destination.
  • Trip cancellation/interruption coverage: This reimburses travelers for nonrefundable costs if they're unable to go on their trip or are forced to leave early due to a qualifying reason, like the illness or death of a family member or a natural disaster at the destination.
  • Trip delay coverage: This pays the policyholder for any nonrefundable costs, like a guided tour, that result from unexpected airline delays as well as any other costs directly related to the delays. Typically, there's a minimum length of time the policyholder must be delayed in order for this coverage to apply.

In addition to the above coverage, many travel insurance providers enable applicants to customize their policy with additional protections. For example, some companies have a Cancel for Any Reason rider that enables policyholders to receive refunds for trip expenses, even if they simply change their mind about going.

But travel insurance doesn't cover everything. Some common omissions include:

Read more: check out our picks for the best car insurance companies

  • Named storms, if the trip is booked after the storm appears
  • Injuries resulting from extreme sports
  • Pregnancy-related costs
  • Elective medical procedures
  • Injuries resulting from drug or alcohol use

For this reason, it's important to read through a sample travel insurance policy before purchasing one. The policy terms often reveal a lot of limitations that the provider's website may not make immediately apparent. These rules could limit the utility of the coverage for some.

How to find the best deal on travel insurance

It's important to have the trip mapped out prior to seeking travel insurance because the trip details affect the cost of the policy. Know the dates and location of the trip as well as the number of travelers and their ages.

Then, get quotes from several top travel insurance companies. Some popular options include:

  • Travel Guard by AIG
  • World Nomads

Get online quotes and compare their coverage and costs. If a policy is too expensive, see if adjusting the limits or the deductible helps.

Those who already have travel credit cards may want to dig out their cardholder agreements to see what they things cover. Sometimes, they include some of the same protections as travel insurance . If this is the case, a separate travel insurance policy might not be worth the investment.

But for those that decide to buy travel insurance, it's best to do it a little ahead of the trip. Some policy options, like coverage for preexisting health conditions or Cancel for Any Reason coverage, may only be available if purchased several weeks before the trip. If you have any questions about the coverage, reach out to the travel insurance provider for clarification.

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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy .

Should You Buy Travel Insurance for Your Spring Break Trip?

COMMENTS

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  10. Single trip travel insurance: How does it work?

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  13. Travel Insurance

    Before your trip, download the Allianz TravelSmart® app to access your information and policy while traveling. Get the app ». Get a quote, compare plans and buy Allianz travel insurance online. Trip protection for cancellations, emergency medical & more. Over 70M policies sold.

  14. Travel Insurance Quotes

    As the nation's original travel insurance comparison site, InsureMyTrip has over 20 years of experience connecting travelers like you with the best policy for your trip. Our simple quote process helps you choose the right coverage by comparing top plans from trusted providers. And if you need help, our licensed insurance agents can assist you ...

  15. 4 Best Family Travel Insurance Plans of 2024

    Who's this for? Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for ...

  16. Generali Travel Insurance Review 2024

    Generali Global Assistance offers three comprehensive travel insurance plans: Standard, Preferred and Premium.; All plans include medical and medical evacuation coverage, as well as coverage for ...

  17. Plan Information Basic

    REI REPRESENTATIVES; facebook twitter pinterest youtube linkedin. Customer Service 1.844.287.8430. Plan Information Basic TripMate Media 2020-03-13T16:43:12+00:00. Travel Protection Simplified. Agent Login. Agency Code. Username. Password. Login. IMPORTANT TRAVEL INSURANCE LICENSING INFORMATION:

  18. Is REI Adventures Travel Insurance Worth the Cost?

    REI travel insurance and the AIG and Trawick policies meet our $100,000 Medical Insurance guideline for foreign travel and well exceed our recommendation for domestic travel. Worth noting, the AIG Travel Guard Plus policy is a primary medical insurance, while the Trawick policies are secondary. That means it will pay before any other health ...

  19. What does travel insurance cover?

    Travel insurance depends on a few things: Length of vacation; Where you're going; How much you want to cover; For your health, insurance can cover up to $500,000.

  20. Should You Buy Travel Insurance for Your Spring Break Trip?

    Travel insurance helps reimburse travelers for expenses that arise from unforeseen issues on vacation. Every insurance policy covers different things, but most include at least the following:

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    HTH Travel Insurance - Best for Long-Term Insurance for International Travel. TravelInsurance.com - Best for Comparing Travel Insurance Quotes. Reviews of the 9 best travel insurance companies of February 2024: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families).