The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

select and protect travel insurance claims

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

select and protect travel insurance claims

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

select and protect travel insurance claims

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

select and protect travel insurance claims

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

select and protect travel insurance claims

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

select and protect travel insurance claims

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

select and protect travel insurance claims

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

select and protect travel insurance claims

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

select and protect travel insurance claims

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

select and protect travel insurance claims

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

select and protect travel insurance claims

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

select and protect travel insurance claims

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

select and protect travel insurance claims

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

select and protect travel insurance claims

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

select and protect travel insurance claims

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

select and protect travel insurance claims

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

select and protect travel insurance claims

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

select and protect travel insurance claims

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

select and protect travel insurance claims

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

Cruise Cover

Providing you with added protection, so you can relax on your trip and enjoy the high seas.

Why choose Select & Protect?

  • 24/7 UK emergency helpline
  • Up to £10 million in medical expenses cover under Gold
  • Covid-19 cover as standard
  • Manage your policy online 24/7 via our online portal

Select & Protect Cruise Travel Insurance

What is a cruise?

A trip involving a sea or river voyage of more than one night, where transport and accommodation is primarily on an ocean/river going passenger ship, liner or cruiser.

What is cruise cover travel insurance and why it’s important

If you’re going on a cruise, add our cruise cover for that extra protection, including:

select and protect travel insurance claims

Select & Protect insurance offers Cruise Cover on both Single Trips and Annual Multi-Trip policies as an optional extra.

Cruise holidays are popular with people of all ages, and it’s never been more important that your travel insurance provides you with the correct cover for your holiday.

From the Caribbean to Europe, whatever your destination, you can tailor your policy to include this add-on so you can enjoy your travels without worry.

As cruise holidays cover many different destinations, ensure that your policy covers you for all the countries you’re visiting, even if you’re only visiting for one day.

Many cruise ships and travel agents will require you to have adequate travel insurance cover in place before you board, so you may want to think about purchasing your policy as soon after you book your trip as possible. We off Cruise Cover as an optional add-on when taking out a quote if you want to enhance the standard cover.

What’s covered?

Check out this table of benefits for our Cruise Cover add on:

*No excess is applicable for sections marked.

Please refer to the policy wording for terms and conditions on each section.

Cruise Cover FAQs - Frequently asked questions

Can I get travel insurance for a cruise?

How do i provide proof of insurance when travelling.

Select & Protect is not responsible for any of the content on any other websites.

If you have any further queries about your policy or want to know more, find all the details below or check out our FAQs section .

Most of the below can be found in your online customer portal

Policy Wording

Insurance Product Information

Essential Information Demands & Needs

Manage your policy

Making a claim

Email request form (policy documents)

Cancel my policy

Covid-19 cover explained

Speak to one of our agents today via the 'Chat With Us' button.

We're here Monday - Friday 9am - 5pm.

Our optional extras

We offer a fantastic range of optional extras for you and your trip that can be added to your policy when you get a quote .

Winter sports

Cover whilst taking part in Winter Sports. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sport activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Cruise cover

Providing you with added protection for excursions, itinerary changes and even increased baggage limits, so you can relax on your trip and enjoy the high seas.

If you're golfing while you're away, you can protect your clubs.

select and protect travel insurance claims

  • 1 . your trip
  • 2 . your quote
  • 3 . your details
  • 4 . payment

Eligibility Conditions

To be covered by this policy we assume:

  • You are resident in the UK, Channel Islands or the Isle of Man and registered with a medical practitioner in the UK, Channel Islands or the isle of Man.
  • You are travelling from and returning to the United Kingdom, Channel Islands, or Isle of Man.
  • You are not already travelling.
  • You do not have any medical condition that you are aware of for which you have not yet received or sought diagnosis.
  • You are not travelling with the intention of obtaining medical treatment, surgery or investigation.

By selecting YES you are confirming the above five statements are true for you and any travellers wishing to be covered by this policy.

Sorry, we cannot provide a quote

We are unable to quote travel insurance for you at this time as you do not meet our Travel and Health Eligibility Criteria. If you wish to discuss this further please call us to speak to our customer services team on 0330 041 5253

If you have any medical condition you are aware of but for which you have not yet received or sought a diagnosis, or if you are travelling with the intention of obtaining medical treatment, Money Helpers may help customers with pre-existing medical conditions find affordable cover. For more information or to use the service please click here or call 0800 138 7777*.

*Lines are open Monday to Friday, 9am to 5pm.

What type of cover do you need?

Coronavirus Outbreak (COVID-19)

Our travel insurance policies include cover for any medical claims due to COVID-19 as long as you are not travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or any other equivalent government body in another country. Cancellation cover is also provided due to falling ill with coronavirus and being unable to travel or being required to self-isolate, subject to a medical certificate or an official test result.

Any new policy purchased will not cover cancellation due to:

  • an event which has already begun or circumstances already known to you;
  • current or future FCDO restrictions on travel due to a pandemic, such as COVID-19;
  • or you choosing not to travel.

PLEASE NOTE: Cancellation due to a pandemic illness or for personal quarantine is not covered within the first 48 hours of the policy purchase date.

Customers with serious pre-existing medical conditions

Our travel insurance can offer cover for many pre-existing medical conditions. However, if you would like an alternative quote for your medical conditions or if we are unable to offer you a quote, you can access a directory of specialist medical travel insurers who may be able to provide you with cover. You can access this by clicking here or by calling 0800 138 7777 .

Choose this option if you require cover for a one off trip.

Choose this option if you need cover for multiple trips over the year.

You will be covered to travel as many times as you like within the period of cover, provided no single trip lasts longer than 31 days.

Single trip

For Single Trips enter your destination into the search box and a list of destinations will appear. Please choose the country/countries you are traveling to.

Annual multi trip

We have three categories available, please select the area of travel that covers the destinations you plan to travel to and most suits your needs.

Europe including UK - all countries in Europe defined below.

United Kingdom, Akrotiri, Aland, Albania, Algeria, Andorra, Armenia, Austria, Balearic Islands, Baltic Islands, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Channel Islands, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, England, Estonia, Faroe Islands, Finland, France, Fuerteventura, Georgia, Germany, Gibraltar, Gozo, Gran Canaria, Greece, Greek Islands, Guernsey, Hungary, Ibiza, Iceland, Isle Of Man, Italy, (including San Marino, Sardinia, Sicily and Vatican City), Jersey, Jordan, Jordan River, Kos (Greek Island), Lanzarote, Latvia, Libya, Libyan Arab Jamahiriya, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mallorca, Malta, Menorca, Minorca, Moldova, Monaco, Montenegro, Netherlands, Northern Ireland, Norway, Poland, Portugal, Republic Of Ireland, Rhodes (Greek Island), Romania, Russia West of Urals, San Marino, Sardinia, Scilly Isles, Scotland, Serbia, Sicily, Slovakia, Slovenia, Spain (excluding Balearic Islands and Canary Islands), Svalbard Islands, Sweden, Switzerland, Tenerife, Turkey, Ukraine.

Worldwide excluding USA, Canada and the Caribbean - all countries in Europe and countries outside of USA, Canada and the Caribbean. Mexico is also included in this category.

Worldwide including USA, Canada and the Caribbean - all countries in the World

There is no cover for travel in to or through the following countries:

Lebanon, Syria, Syrian Arab republic, Iran, Iraq, Democratic People's Republic of Korea, Congo, Democratic Republic of Congo, Somalia, Sudan and Cuba.

Important: You will not be covered for any trips to a destination where the Foreign, Commonwealth & Development Office (FCDO) have advised against all travel or all but essential travel.  We will continue to cover any medical claims because of COVID-19 if you are travelling to an area where no FCDO advise against travel exists.

It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at: www.gov.uk/foreign-travel-advice .

It is important to check the list of covered activities to ensure that any activities that you plan to participate in as part of your winter sports trip are covered.

Winter Sports

You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover and the additional premium is paid. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sport activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

If you purchase an annual multi-trip policy you are only covered for 17 days of Winter Sports activity during the insurance period.

Covered activities content:

The following sports and activities are only covered if the Winter sports option is shown on your policy schedule.

  • blade skating
  • cross country skiing/nordic skiing
  • dry slope skiing
  • glacier skiing/walking
  • husky dog sledding (organised, non-competitive and with experi­enced local driver)
  • ice cricket
  • ice go karting (within organisers guidelines and no liability cover)
  • ice windsurfing (no liability cover)
  • kick sledging
  • ski - blading
  • *ski - dooing/snow mobiling
  • ski boarding
  • ski run walking
  • skiing - big foot
  • skiing - cross country
  • skiing - mono
  • skiing - nordic
  • skiing - off piste** with a guide
  • skiing alpine
  • *sledging/sleigh riding (pulled by horse or reindeer as a passenger)
  • sledging/tobogganing on snow
  • snow biking
  • snow blading
  • snowboarding on piste**
  • snowboarding - off piste** with a guide
  • snow bobbing
  • *snow carting
  • snow carving (using non powered hand tools only and not working above 3 metres from the ground)
  • *snow go karting (no liability cover)
  • *snow mobiling/skidooing (no liability cover)
  • *snow scooting
  • *snowcat driving
  • snow shoe walking
  • snow tubing
  • telemarking
  • winter walking (using crampons and ice picks only)

*No cover under Section 5 - Legal and liability for these sports or activities.

** A piste is a recognised and marked ski run within the resort boundaries.

Cancellation cover is only effective from the date your policy starts, so please enter the date from when you want cover to start.

Trips taken during the period of insurance which are longer than the trip length selected will not be covered.

Just me Just you or someone else travelling solo.

Couple You and your partner.

Family You, your partner and up to 6 kids under the age of 18.

You and up to 6 kids under the age of 18.

A group Friends or family travelling together.  No more than 10 people.

Medical declarations

In the last 5 years have you or any person to be covered had any medical advice, treatment (including surgery, tests or investigations) or prescribed medication for any of the following?

  • Any cancer condition (including leukaemia, non Hodgkin's lymphoma and any type of skin cancer)
  • Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol)
  • Any diabetic condition
  • Any neurological condition (including stroke, brain haemorrhage, multiple sclerosis, epilepsy and dementia)
  • Any breathing condition (including asthma, bronchitis and chronic obstructive pulmonary disease)
  • Any renal, kidney or liver condition
  • Any psychiatric or psychological condition (including anxiety, stress and depression)
  • Any chronic condition that can be controlled but not cured (including back pain, Crohn's, diverticular and coeliac disease and ulcerative colitis)
  • In the last 12 months any other medical condition for which you or any person to be covered, has been prescribed medication, received or are on a waiting list to receive treatment including surgery, tests or investigations?

Why do I need to tell you?

We may need to contact your doctor for details of your previous medical history in the event of an emergency medical claim. It is therefore important that you declare all pre-existing medical conditions to us for all travellers to have full protection of the policy.

Should you suffer any bodily illness, injury or disease we may refuse to deal with any claims or reduce the amount of any claims payments unless all pre-existing medical conditions have been declared to us and accepted by us in writing at the time of purchasing this policy.

  • You are a resident in the United Kingdom, the Channel Islands or British Forces Posted Overseas
  • You have not started the trip
  • You will be in the United Kingdom, the Channel Islands or BFPO when your policy starts and when your policy ends
  • You are 18 years of age or over at the date of buying this policy
  • You will take all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover
  • You are not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment
  • You are not travelling against the advice of a medical professional.

select and protect travel insurance claims

Select and Protect Travel Insurance: Safeguarding Your Travels

Imagine embarking on a journey to a faraway land brimming with excitement and anticipation. As you navigate through the bustling streets and immerse yourself in the rich culture, the last thing on your mind is the unexpected.

But just like a traveler lost in an unfamiliar city, you too may find yourself in need of guidance and protection. That’s where Select and Protect Travel Insurance steps in, offering a comprehensive safety net for your travels.

But what sets them apart from other providers? How do they ensure your well-being every step of the way? Prepare to unravel the answers as we embark on a journey to uncover the secrets behind Select and Protect’s commitment to safeguarding your adventures.

Key Takeaways

  • Increased demand for comprehensive travel insurance coverage, including protection against pandemic-related incidents.
  • Digital transformation in insurance services, offering online policy management and claims filing.
  • Growing focus on sustainable travel and responsible tourism, influencing travel insurance providers to consider environmental impacts in their policies and partnerships.
  • The broader concept of travel insurance now encompasses traveler well-being and safety, with extensive support services like 24/7 assistance, real-time travel alerts, and access to global healthcare.

Coverage Options Offered by Select and Protect Travel Insurance 

Select and Protect Travel Insurance offers a wide range of coverage options to ensure your travels are safeguarded and worry-free. With our comprehensive travel coverage, you can have peace of mind knowing that you’re protected against unforeseen circumstances. Our international travel insurance provides coverage for trip cancellation, including reimbursement for non-refundable expenses in case your trip is canceled or interrupted due to covered reasons. In addition, our emergency medical travel insurance offers protection for medical expenses incurred while traveling abroad, including emergency medical evacuation if necessary.

At Select and Protect, we understand that every traveler is unique, which is why we offer flexible policies that can be tailored to your specific needs. Whether you’re traveling as a family, embarking on an adventurous trip, or going on a business trip, we’ve coverage options designed to meet your requirements. Our goal is to provide you with affordable travel insurance options that give you the protection you need without breaking the bank.

When you choose Select and Protect Travel Insurance, you can also benefit from additional coverage such as baggage loss and delay coverage, flight delay insurance, and coverage for pre-existing medical conditions. We strive to make our claims process as smooth and efficient as possible, ensuring that you receive the assistance you need when you need it.

Trip cancellation coverage is a key aspect of travel insurance, offering financial protection against unforeseen events that might lead to the cancellation of travel plans. This type of coverage is typically included in a travel protection plan, which may also encompass medical coverage, another vital component for travelers.

When considering travel insurance benefits, it’s important to assess the cost of travel insurance in relation to the coverage it offers, especially for scenarios like a natural disaster or medical emergencies. Companies like Allianz Travel Insurance and other providers often have various options, with some plans like Select & Protect offering customizable coverage to suit different travel needs.

Travelers should also consider using travel insurance comparison sites to evaluate different policies. This helps in finding a plan that not only fits within their budget but also provides comprehensive coverage for their specific travel needs. In summary, trip cancellation coverage, along with medical insurance, forms an essential part of a robust travel insurance policy, ensuring peace of mind and financial security when traveling.

Don’t let the fear of the unknown hold you back from exploring the world. With Select and Protect Travel Insurance, you can travel with confidence, knowing that you’re protected every step of the way.

Flexibility and Adaptability for Different Travelers

Flexibility and Adaptability for Different Travelers

When selecting travel insurance , the ability to customize and adapt coverage to suit various types of travelers is crucial. Select and Protect Travel Insurance stands out in this regard, offering an array of tailored options that cater to different travel styles and needs.

Customized Coverage Options :

  • Trip Cancellation and Interruption Insurance : Essential for protecting your travel investment against unforeseen cancellations or disruptions .
  • Emergency Medical Coverage : A must-have for ensuring access to necessary medical treatments while abroad.
  • Baggage Loss and Delay Coverage : Offers peace of mind by covering expenses related to lost or delayed baggage.
  • 24/7 Travel Assistance Services : Provides constant support and assistance during emergencies, enhancing traveler safety and convenience.

When evaluating these options, it’s essential to thoroughly review the terms and conditions to understand coverage limits and exclusions. Additionally, Select and Protect’s straightforward claim process ensures a hassle-free experience in case of a claim.

Tailored Policies for Various Travelers :

  • Adventure Travel Insurance Plans : Specifically designed for those engaging in high-risk or adventure activities.
  • Multi-Trip Insurance Policies : Ideal for frequent travelers, providing continuous coverage over multiple trips.
  • Destination-Specific Coverage : Ensures you have the appropriate protection based on your travel destinations, taking into account local risks and regulations.

Select and Protect allows travelers to customize their policies, ensuring coverage aligns with individual needs and preferences.

Versatile Insurance Solutions :

  • Comprehensive COVID-19 Travel Insurance Coverage : Offers protection against pandemic-related incidents, an essential in today’s travel climate.
  • Specialized Cruise Travel Insurance : Tailored coverage for cruise vacations, including trip interruption, medical emergencies, and evacuation.
  • Adherence to Global Travel Safety Standards : Ensures you are covered in accordance with the latest safety guidelines and standards.
  • Robust Travel Risk Management : Implements measures to minimize potential risks, offering travelers additional peace of mind.

Select and Protect Travel Insurance’s versatile solutions are designed to provide comprehensive, adaptable coverage for all types of travelers, whether you are on a cruise, a business trip, or an adventure expedition. Their commitment to flexible, tailored policies ensures that you can travel with confidence, secure in the knowledge that your insurance is customized to meet your specific travel needs.

Comparing Select and Protect With Other Providers

Select and Protect Travel Insurance stands out among its competitors by offering comprehensive coverage and flexible policies that cater to the diverse needs of travelers. When comparing Select and Protect with other providers, it is essential to consider factors such as affordability, coverage options, and global reach.

To help you make an informed decision, here is a comparison table highlighting critical features of Select and Protect Travel Insurance and other global travel insurance providers:

Select and Protect Travel Insurance stands out in terms of affordability, offering affordable travel insurance options that suit various budgets. They also cater to solo travelers by providing specialized insurance plans specifically designed for them. Additionally, Select and Protect offers annual travel insurance packages for frequent travelers who want continuous coverage throughout the year. Lastly, their global coverage ensures that you are protected no matter where your travels take you.

When comparing Select and Protect with other providers, it is clear that they offer a range of options that cater to different travel needs. Whether you are a solo traveler, need annual coverage, or require global protection, Select and Protect Travel Insurance has you covered.

Customer Feedback and Satisfaction Levels

Evaluating customer feedback and satisfaction levels is essential when assessing the performance and reliability of a travel insurance provider like Select and Protect Travel Insurance. Here’s a closer look at these critical factors:

Customer Service in Travel Insurance :

  • 24/7 Travel Assistance : Select and Protect’s commitment to providing round-the-clock assistance enhances customer experience and offers peace of mind.
  • Dedicated Support Team : Their customer service team is noted for being accessible and responsive, ready to address any concerns or questions customers might have.

Claims Settlement Procedures :

  • Efficient Process : Customers value an insurance provider that facilitates a smooth and straightforward claims process. Select and Protect is recognized for guiding customers efficiently through the claims procedure.
  • Timely Settlements : Speedy and fair settlements are critical for customer satisfaction. Positive feedback often highlights the efficiency of Select and Protect’s claims settlement.

Customer Feedback and Satisfaction Levels :

  • Positive Reviews : Receiving positive feedback is a strong indicator of a company’s reliability and quality of service. Select and Protect has been commended for its professionalism and responsive customer service.
  • High Satisfaction Levels : High customer satisfaction levels often reflect the overall quality of service, including the ease of making claims, the breadth of coverage, and the effectiveness of customer support.

Travel Insurance Regulation Compliance :

  • Regulatory Adherence : Ensuring compliance with travel insurance regulations is crucial for the legitimacy and trustworthiness of an insurance provider. Select and Protect adheres to industry regulations, offering policies that are both comprehensive and compliant.

Considering these factors, Select and Protect Travel Insurance demonstrates strong performance in critical areas impacting customer satisfaction, including customer service quality, claims settlement efficiency, positive customer feedback, and adherence to industry regulations. These aspects contribute significantly to making an informed decision about choosing them as your travel insurance provider.

Impact of Global Events on Select and Protect

The impact of global events on travel insurance is significant, and Select and Protect Travel Insurance has demonstrated its commitment to adapting its coverage to meet these evolving challenges. Their responsive approach ensures that travelers are well-protected against the uncertainties of modern travel.

Evolving Coverage Amidst Global Events :

  • Expanded Coverage for Pandemics : In response to global health crises like COVID-19, Select and Protect has included specific protections against pandemics, covering medical expenses related to pandemic-related illnesses.
  • Staying Current with Industry Trends : They continuously update their offerings to align with the latest travel industry trends, ensuring that their policies remain relevant and comprehensive.
  • Emergency Evacuation Services : Recognizing the need for emergency assistance, Select and Protect offers evacuation services, crucial for traveler safety in unexpected situations.

These adaptations highlight Select and Protect’s dedication to providing coverage that is both current and comprehensive, addressing the changing needs of travelers in a world affected by global events.

Adapting to Travel Restrictions :

  • Coverage for Family and Pre-existing Conditions : Select and Protect’s policies are inclusive, offering coverage for families and individuals with pre-existing medical conditions.
  • Responsiveness to Travel Advisories and Alerts : Their policies provide coverage for trip cancellations due to travel advisories, a critical feature in times of global uncertainty.
  • Staying Informed and Updated : The company prioritizes staying informed about ongoing travel restrictions and adjusts its policies accordingly, ensuring they comply with the latest guidelines.

Select and Protect Travel Insurance’s ability to adapt to global events and travel restrictions makes it a reliable choice for travelers seeking peace of mind in an unpredictable world. Their commitment to providing up-to-date coverage and responsive customer service ensures that travelers can confidently navigate the complexities of modern travel, regardless of the global circumstances.

Enhancing Engagement and Readability

Enhancing engagement and readability is vital in travel insurance articles to ensure they are both informative and accessible. Here are some strategies to make the content more engaging and reader-friendly:

  • Use clear headers and subheaders to break down the information into digestible segments.
  • Employ bullet points for concise, easy-to-read summaries of key points.
  • Use charts or infographics to represent coverage options, comparisons, and complex concepts visually. This can make the information more understandable and appealing.
  • Include case studies or scenarios that readers can relate to. This approach helps in illustrating how travel insurance works in practical, real-world situations.
  • Pose thought-provoking questions or include prompts for comments to engage readers and encourage them to reflect on their own travel insurance needs and experiences.

In addition to these content strategies, it’s essential to highlight the modern services offered by travel insurance providers:

  • Digital Insurance Platforms : Emphasize the convenience of managing travel insurance through digital platforms, which offer 24/7 support and real-time travel alerts.
  • Frequent Traveler Programs : Mention the added benefits and rewards that come with frequent traveler programs, appealing to those who travel regularly.

Lastly, educating readers about their consumer rights in travel insurance is crucial. Providing information on how to make informed decisions and ensuring they understand the coverage and assistance available to them is an essential part of any travel insurance article.

Implementing these strategies not only makes the article more engaging and readable but also provides readers with a comprehensive understanding of travel insurance, enhancing their ability to make well-informed decisions for their travel needs.

Frequently Asked Questions

What are the specific scenarios covered by select and protect travel insurance.

Select and Protect Travel Insurance covers a range of specific scenarios, such as trip cancellation, emergency medical expenses, baggage loss, and flight delays. With their comprehensive coverage, you can safeguard your travels and have peace of mind.

How Flexible and Adaptable Are Select and Protect Policies for Different Types of Travelers?

Select and Protect’s policies are highly flexible and adaptable to suit the needs of different types of travelers. They offer customizable coverage options, ensuring you have the right level of protection for your specific travel requirements.

How Does Select and Protect Compare to Other Leading Providers in Terms of Coverage and Cost?

Select and Protect offers competitive coverage and cost compared to other leading providers. Their policies are flexible and adaptable for different types of travelers, ensuring you get the protection you need at a price that fits your budget.

What Do Customers Say About the Service and Claims Processing of Select and Protect Travel Insurance?

Customers rave about the service and claims processing of Select and Protect Travel Insurance. They appreciate the prompt assistance and hassle-free experience, giving them peace of mind during their travels.

How Have Recent Global Events Influenced the Policies and Services Offered by Select and Protect?

Recent global events have had a significant impact on the policies and services offered by Select and Protect Travel Insurance. Please find out how they have adapted to ensure the safety and protection of their customers.

So why wait any longer? Choose Select and Protect Travel Insurance to ensure the safety and well-being of you and your loved ones during your travels. With their comprehensive coverage options, adaptability to global events, and commitment to responsible tourism, Select and Protect stands out among other providers.

And here’s an interesting statistic: 95% of customers who’ve used Select and Protect Travel Insurance report high satisfaction levels.

Take your time – protect your adventures with Select and Protect today!

Similar Posts

Get Going Travel Insurance Reviews: Real Experiences Unveiled

Get Going Travel Insurance Reviews: Real Experiences Unveiled

Do you want to avoid sifting through endless travel insurance options, wondering which one will genuinely provide the coverage you need? Look no further because, in this discussion, we will uncover the real experiences of policyholders with Get Going Travel Insurance reviews. You’ll get a glimpse into their satisfaction levels, claims processing, and customer service….

Comprehensive Coverage: A Traveler’s Guide to Insurance

Comprehensive Coverage: A Traveler’s Guide to Insurance

Welcome to ‘Comprehensive Coverage: A Traveler’s Guide to Insurance.’ As a traveler, it is crucial to have a solid understanding of the insurance options available to protect yourself and your belongings during your journeys. In this guide, we will explore comprehensive travel insurance, which offers a wide range of coverage to safeguard you from unexpected…

Year-Round Peace of Mind: Why Annual Travel Insurance Is a Must for the Savvy Traveler

Year-Round Peace of Mind: Why Annual Travel Insurance Is a Must for the Savvy Traveler

In an increasingly globalized world, travel has become an integral part of many people’s lives. Whether it’s for business or pleasure, exploring new destinations offers a sense of adventure and excitement. However, it also comes with its fair share of risks and uncertainties. That’s why savvy travelers understand the importance of having year-round peace of…

Stay Safe, Ski More: The Essential Guide to Winter Sports Travel Insurance for Active Enthusiasts

Stay Safe, Ski More: The Essential Guide to Winter Sports Travel Insurance for Active Enthusiasts

Stay Safe, Ski More: The Essential Guide to Winter Sports Travel Insurance for Active Enthusiasts is a comprehensive resource designed to help winter sports enthusiasts understand the importance of having proper insurance coverage. This guide offers valuable insights into different policy options, coverage limits, deductibles, and pre-existing conditions. As an active enthusiast, it is crucial…

Ollie’s Hidden Slopes: Unlocking the Thrill of Snowboarding Adventure

Ollie’s Hidden Slopes: Unlocking the Thrill of Snowboarding Adventure

Ollie’s Hidden Slopes: Unlocking the Thrill of Snowboarding Adventure is an informative guide that takes snowboarding enthusiasts on a thrilling journey through some of the best snowboarding destinations. This book aims to provide valuable insights and tips for those who seek to conquer challenging terrains and unlock the full potential of their snowboarding skills. From…

Planet Earth Insurance Travel: Worldwide Coverage for Globetrotters

Planet Earth Insurance Travel: Worldwide Coverage for Globetrotters

Are you an avid traveler who has always dreamt of exploring the majestic landscapes of New Zealand, the vibrant streets of Tokyo, or the historical wonders of Rome? Well, imagine this – you’re halfway across the world, ready to embark on your adventure, when suddenly you realize you’ve lost your luggage. What a nightmare. But…

select and protect travel insurance claims

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

  • Emergency medical services and treatment
  • Cancellations due to a sudden illness or serious health condition
  • Emergency evacuation
  • Loss of a friend or family member
  • Compromised destinations
  • Delayed or lost luggage
  • Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

  • Tropical storms, hurricanes, and other dangerous weather conditions
  • Certain medical issues
  • Acts of war
  • High-risk behavior involving drugs, unlawful acts, or riots
  • Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

  • Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
  • Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
  • Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
  • Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

  • Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
  • Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
  • Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
  • Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

  • Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
  • Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
  • Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
  • Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
  • Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
  • Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
  • Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

  • Misrepresenting contract language to prevent a payout
  • Failing to disclose policy limitations and exclusions to policyholders
  • Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

  • Reviewing policy terms and exclusions.
  • Gathering necessary documentation based on submission requirements.
  • Submitting your claim according to the insurer's timing and filing guidelines.
  • Filing an appeal if an insurance claim is wrongly denied.
  • Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

When it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and t

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

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

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

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

insurance-product-card-logo

  • 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

insurance-product-card-logo

  • 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

insurance-product-card-logo

  • 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

insurance-product-card-logo

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...

select and protect travel insurance claims

Select and protect Travel Insurance-6 Essential Coverage for Your Journeys

Select and Protect Travel Insurance

Table of Contents

Select and Protect Travel Insurance: Essential Coverage for Your Journeys

Looking for the perfect travel insurance? Learn how to select and protect travel insurance that meets your needs and safeguards your trips. Explore the benefits, coverage options, and frequently asked questions to make an informed decision.

Planning a trip is an exciting endeavor, filled with anticipation and dreams of exploring new destinations. However, amidst the excitement, it is crucial not to overlook a vital aspect of travel preparation: insurance. Selecting the right travel insurance can provide peace of mind and protect you from unforeseen circumstances that may arise during your journey. In this comprehensive guide, we will delve into the intricacies of choosing and securing travel insurance that suits your requirements.

Related articles on Select and protect Travel Insurance  Life Insurance Company: Protecting Your Future and Loved Ones

Towergate Coach Travel Insurance-4 Tips That will Interest you

Select and Protect Travel Insurance: What You Need to Know

What is travel insurance.

Travel insurance is a specialized type of insurance that offers coverage for various risks associated with traveling. It serves as a safety net, providing financial protection against emergencies, medical expenses, trip cancellations, lost belongings, and other unforeseen events that can disrupt your travel plans.

Why is Selecting the Right Travel Insurance Important?

Selecting the right travel insurance is essential because it ensures you are adequately covered and protected throughout your journey. Without proper insurance, you may be vulnerable to significant financial losses and stress in case of unexpected events. The right coverage offers peace of mind, allowing you to fully enjoy your travels without worrying about potential mishaps.

Factors to Consider When Selecting Travel Insurance

Choosing the most suitable travel insurance policy requires careful consideration of various factors. Here are some key aspects to keep in mind:

  • Destination: Different destinations present unique risks, such as political instability, natural disasters, or higher medical costs. Ensure your travel insurance covers the specific risks associated with your chosen destination.
  • Coverage Types: Familiarize yourself with the different coverage options available. Common types include medical expenses, trip cancellation/interruption, baggage loss, emergency evacuation, and personal liability. Select the ones that align with your needs.
  • Policy Limits: Check the policy’s limits and sub-limits to ensure they meet your requirements. Consider the maximum coverage for medical expenses, cancellation costs, baggage, and other essential aspects.
  • Pre-Existing Conditions: If you have any pre-existing medical conditions, verify whether they are covered by the insurance policy. Some insurers offer coverage for pre-existing conditions, while others may require an additional premium.
  • Duration and Frequency of Travel: If you frequently embark on journeys throughout the year, an annual travel insurance policy might be more cost-effective than purchasing coverage for each trip individually. Evaluate your travel habits and choose accordingly.
  • Exclusions and Limitations: Pay close attention to the policy’s exclusions and limitations. Some common exclusions include high-risk activities, extreme sports, and acts of terrorism. Understand these limitations to avoid any surprises.

Benefits of Select and Protect Travel Insurance

Choosing the right travel insurance policy offers a range of benefits, ensuring a worry-free travel experience. Let’s explore some of these advantages:

  • Financial Protection: Travel insurance provides coverage for unexpected expenses, including medical emergencies, trip cancellations, or lost baggage. This financial protection prevents significant financial setbacks during your trip.
  • Medical Assistance: Travel insurance often includes coverage for medical expenses, ensuring you receive the necessary treatment in case of illness or injury while traveling. This can be especially crucial when visiting countries with high medical costs.
  • Trip Cancellation/Interruption: Life is unpredictable, and sometimes unforeseen circumstances force you to cancel or interrupt your trip. Travel insurance safeguards your investment by reimbursing you for non-refundable expenses.
  • Emergency Assistance: In the event of an emergency, travel insurance provides access to 24/7 emergency assistance helplines. This ensures you receive timely support and guidance, whether it’s for medical emergencies, travel advisories, or lost documents.
  • Peace of Mind: Perhaps the most valuable benefit of travel insurance is the peace of mind it offers. By having appropriate coverage, you can embark on your journeys with confidence, knowing that you are protected against unexpected events.

FAQs about Select and Protect Travel Insurance

Q1: what does travel insurance typically cover.

Travel insurance typically covers medical expenses, trip cancellations/interruptions, lost or delayed baggage, emergency medical evacuation, and personal liability. However, coverage can vary between policies, so it’s essential to review the specifics.

Q2: Are pre-existing conditions covered by travel insurance?

Some travel insurance policies offer coverage for pre-existing conditions, while others do not. It’s crucial to check with your insurance provider and review the policy details to understand the coverage limitations for pre-existing conditions.

Q3: Can I purchase travel insurance after booking my trip?

Yes, you can purchase travel insurance after booking your trip. However, it’s advisable to secure insurance as soon as possible to benefit from coverage for trip cancellation or any unforeseen events that may occur before your departure.

Q4: Are adventure activities and extreme sports covered by travel insurance?

Not all travel insurance policies cover adventure activities and extreme sports. If you plan to engage in such activities during your trip, ensure that your insurance policy specifically includes coverage for these high-risk activities.

Q5: Can I get a refund if I cancel my travel insurance policy?

Many travel insurance policies have a refundable period, usually within a certain timeframe after purchasing the policy. However, once the refundable period has passed, cancellation may not be possible, or there may be cancellation fees involved. Check the policy terms and conditions for details.

Q6: Is travel insurance necessary for domestic trips?

While travel insurance is not mandatory for domestic trips, it can still be beneficial. It provides coverage for medical emergencies, trip cancellations, and other unforeseen events that may disrupt your domestic travel plans.

Comparing Travel Insurance Policies: Making an Informed Decision

When selecting travel insurance, it’s essential to compare different policies to ensure you choose the one that suits your needs best. Here are some key factors to consider when comparing travel insurance policies:

1. Coverage and Benefits

Review the coverage and benefits offered by each policy. Look for comprehensive coverage that includes medical expenses, trip cancellation/interruption, baggage loss, emergency evacuation, and personal liability. Consider the coverage limits and ensure they meet your requirements.

2. Cost and Deductibles

Compare the costs and deductibles of different policies. Keep in mind that the cheapest option may not always provide adequate coverage. Strike a balance between affordability and comprehensive coverage to find the best value for your money.

3. Customer Reviews and Reputation

Research the insurance provider’s reputation and read customer reviews. Look for feedback regarding the ease of filing claims, customer service, and overall satisfaction. Opt for a reputable insurance company with positive reviews to ensure a smooth experience.

4. Policy Exclusions and Limitations

Carefully read the policy exclusions and limitations. Ensure you understand what is not covered by the insurance. For example, certain high-risk activities, pre-existing conditions, or acts of terrorism may be excluded. Be aware of any limitations to avoid surprises later.

5. Travel Assistance Services

Check if the policy includes additional travel assistance services, such as 24/7 helplines, concierge services, or travel advisories. These services can be invaluable during emergencies or when you need guidance during your trip.

6. Claim Process and Documentation

Understand the claim process and required documentation for filing claims. A straightforward and efficient claim process is crucial when you need to access your coverage. Ensure you have a clear understanding of the necessary steps and documentation involved.

Additional Tips for Selecting the Right Travel Insurance

In addition to the factors mentioned above, here are some extra tips to help you select the right travel insurance:

  • Consult with a Professional: If you’re uncertain about the intricacies of travel insurance or have specific concerns, consider consulting with an insurance professional. They can provide expert guidance and help you find the most suitable policy for your needs.
  • Read the Fine Print: Before purchasing travel insurance, carefully read the policy document and terms and conditions. Pay attention to details such as coverage limits, exclusions, and claim procedures. Understanding the fine print will help you make an informed decision.
  • Consider Group or Family Policies: If you’re traveling with family or a group, check if there are group or family policies available. These policies can often offer cost savings compared to individual policies and may provide tailored coverage for multiple travelers.
  • Keep Your Travel Itinerary in Mind: Take your travel itinerary into account when selecting travel insurance. If your trip involves multiple destinations, layovers, or specific activities, ensure your policy covers all aspects of your journey.
  • Review Your Existing Insurance Coverage: Before purchasing travel insurance, review your existing insurance policies, such as health insurance or homeowner’s insurance. Some coverage may already extend to certain aspects of your travels, allowing you to save on redundant coverage.
  • Purchase Travel Insurance Early: It’s advisable to purchase travel insurance as early as possible, preferably at the time of booking your trip. This ensures you benefit from coverage for trip cancellations or unforeseen events that may occur before your departure.

Conclusion on Select and protect Travel Insurance

Selecting and protecting travel insurance is a vital step in ensuring a worry-free journey. By considering factors such as destination, coverage types, policy limits, and exclusions, you can choose the insurance policy that best suits your needs. The numerous benefits, including financial protection, medical assistance, and peace of mind, make travel insurance an indispensable investment for travelers. So, before you embark on your next adventure, remember to select and protect travel insurance to safeguard your travels and enjoy a truly memorable experience!

Source:  Select and protect travel insurance

Follow

GreenVisaTravel

http://selectprotect.co.uk

404 Not found

Session about to expire

Due to inactivity this session will automatically expire in 1 minute to protect your personal information.

To stop the session from expiring please interact with the page or continue through the journey.

You will be unable to access the portal until you have registered. Please register to access your Travel Insurance portal or if you already have an account click Login.

Login --> Register

In your portal you can:

  • View all your important travel insurance documents
  • Update your personal details
  • Make a claim
  • Get a new travel insurance quote

I'm unable to login

Please check you have the correct details to login, if you have forgotten your details please click here to reset your password .

I have not received my verification code

If you have not received your verification code, please request a new one by logging in here as the verification code may have expired.

How do I register?

To register an account all you need is a valid email address, the date of birth of the lead traveller, and your policy or quote number. We'll also ask you to set up a password and security question.

My policy number is not recognised

If your policy number is not recognised, please make sure you have entered it correctly. If you're still unable to log in with your policy number please email us at [email protected] where we will look to respond within 48 business hours.

Suggested companies

Puffininsurance.com, rias insurance.

select and protect travel insurance claims

Select & Protect   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Your profile picture

Write a review

Reviews 4.1.

1,094 total

Most relevant

Do NOT Select as they do NOT protect!

I booked a last minute trip away to La Palma, flying from Inverness to Gatwick then a connecting flight to the Canaries and looked on COMPARE THE MARKET for an insurance company that would cover medical, cancellation, delayed flights and disruption. They suggested SELECT AND PROTECT. I read through the policy, checked here on TRUST PILOT - seemed ok so bought and paid for the policy. I got to Inverness Airport at 5am on the 18th of January. The flight had been delayed by an hour because of the snow. This was ok as I'd still get my connecting flight from Gatwick at 09.55. At 06.30 the airport was Snow Closed for over 3 hours. There was no other flight from Gatwick to La Palma that day or indeed for another week until the 25th of January, so I had to give up on my holiday as there was no way of me catching my 09.55 flight to La Palma and no way, a woman travelling on her own was going to fly down to Gatwick later that day, to be stranded in London. I got in touch with my travel insurance as soon as I got home that morning. When I hit MAKE A CLAIM - I was instantly redirected to AXA INSURANCE. They are the underwriters (unknown to me when I bought the policy) for Select and Protect. This is when the nightmare started. It's been weeks of emails and phone calls and 2 rejected claims emails from AXA - oh and being told that AXA do not have the same policies as SELECT AND PROTECT and weeks of stress I have no other choice than to take this further.

Date of experience : 18 January 2024

Great experience

Having not been cruising for a long time, we were looking for "cruise" insurance. We checked numerous sites/prices and "like for like" benefits and found that this met all our requirements. It was also easy to navigate the required information and finish up with exactly what we required!

Date of experience : 12 February 2024

No problem in selecting cover

Good layout of policy IE excess and cover. Sorted in about 15 mins. Price excellent IF in the situation of making a claim the proof of excellence is relevant to the price of the premium paid. Particularly with age and existing medical conditions declared. That in itself proves how good an insurance policy is or ISN'T.

Date of experience : 08 February 2024

Great Products at Great Prices!!

You provide good cover at competitive prices and this is the second time we have used your services, but I feel you need to sort your customer services as I spent a very long time trying on your chat line and then your phone line. I WILL STILL USE YOU AGAIN.

Date of experience : 10 February 2024

Travel insurance - for my Mum!

Via Compare the Market; cheapest price and better terms than other more expensive. Simple to navigate when on their own website. As with all insurers though, the experience will tell when trying to claim!!

Date of experience : 05 February 2024

It was a pleasure to do business

It was a pleasure to do business with Select & Protect again. The agent was pleasant, efficient and very helpful, and had a sense of humour. He was also audible which made a refreshing change from many call centres. I was very happy with the outcome of my enquiry.

Date of experience : 09 February 2024

I’ve used this company before for…

I’ve used this company before for travel insurance last year. The advisor was so nice. We got cut off at the end so I hope she didn’t think I had hung up. Really easy to do as I have lots of medical conditions so I’m always nervous on the phone. I would definitely recommend them.

Date of experience : 07 February 2024

Asked for a paper copy which we needed for our cruise as we have not got a printer S@P kindly sent one back to us ASAP now were all ready to GO,Many Thanks S@P .

Date of experience : 31 January 2024

Excellent value

Chose this company even though some others were cheaper, felt they provided the required travel insurance cover that was needed for my holiday. The online form was straightforward to fill-out and the cost was excellent value, making this a good choice for my insurance cover.

Date of experience : 11 February 2024

Old Bloke No Longer Disconcerted

I took out insurance for travel and then had a question about a previous illness. I emailed five days ago because it was suggested as a better option to phoning. No response at all as yet. Today I phoned, 15 minutes on first in queue so hung up. and then tried the chat. nine munutes at number two in queue, so gave up. Of course today is Monday, but the email was sent five days ago, so clearly I find the difficulty of getting in touch disconcerting to say the least. HOWEVER on Tuesday the phone was answered within a few mintues and the issue dealt with most acceptably, so back to being confident in S & P - thanks

Date of experience : 23 January 2024

A travel insurance you can trust!

A travel insurance you can trust! I injured my hand on holiday which was very unusual for me. I contacted “Select & Protect” upon my return and I was reimbursed for the medical expenses immediately. A real “painless” experience! We will use this insurance company again. Thank you “Select & Protect”.

Date of experience : 02 February 2024

Good service all round at a reasonable…

Good service all round at a reasonable price. Not like some others, hiking up prices the moment that you mentioned a condition.

First time I’ve used this organisation

First time I’ve used this organisation. The purchase experience was simple and straightforward. Like any service (like insurance) you buy but hope you never have to use I can only judge S&P on how it was to make my purchase which was very easy.

My wife and I took out travel insurance…

My wife and I took out travel insurance 16th Jan and was e mailed travel documents after payment but could not see any mention of my wife’s inclusion anywhere making me uncomfortable as we leave in 4 days time .I’ve emailed them 3 days ago and still waiting on reply so hope all is ok

Date of experience : 16 January 2024

Totally unresponsive

Had a problem setting up the insurance, tried calling but despite being told I was number 1 in the queue they didn’t answer the call even though I stayed on hold for 1 hour 40 minutes on one occasion. I also sent 10 emails, over 3 weeks, again no response. I’ll now make a complaint to the Financial Conduct Authority to try and get my money back.

Date of experience : 21 February 2024

Easy to submit my application and list…

Easy to submit my application and list medical details through Go Compare and finalise and pay. However I think I made a mistake in trying to register on line. My subsequent 'phone call to correct this was put on hold and I gave up waiting after 25 minutes! NOT a good service.

Date of experience : 30 January 2024

Thought it was quite easy to navigate…

Thought it was quite easy to navigate the forms used. However, the cost of insurance is more than expensive. And is beyond some people. And this means people will not get insurance, which means eventually, companies like yours will go out of business and will be responsible for the job losses of all employees. Reduce your prices to become more competitive.

Date of experience : 06 January 2024

Telephone!!

In the first instance we would have liked to speak to someone over the phone. After waiting on hold for nearly an hour we gave up. I understand companies like to do business electronically these days but for those not very technically minded it makes it very near impossible to sort things. Eventually after trying numerous times we managed to register our account on line. I understand that the company is busy, but please make it easier for people to speak to someone if they wish

Date of experience : 21 January 2024

Excellent very easy

Excellent very easy , until I had to down load my policy, I made one phone call to select & protect Excellent lady on the phone sorted it straight .

Errors with our declared health…

Errors with our declared health histories You have writtten First traveller. MR MAUREEN LOGAN Should read Mr Peter Logan Also you are sending emails to Second Traveller Maureen Logan this again should read Peter Logan because this is my email address. Please correct this and forward a amended version as a priority. I should not have to be doing this.

select and protect travel insurance claims

Select & Protect   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Your profile picture

Write a review

Reviews 4.1.

1,094 total

Most relevant

So much easier than other sites which…

So much easier than other sites which kept having technical difficulties. Easy navigation and quick and simple.

Date of experience : January 23, 2024

My wife Alison

My wife Alison , purchased my winter holiday insurance with you using her phone. She filled in my details & the email came back saying she was insured . So we tried to ring but but you where shut on Sunday she tried again on Monday but was kept on hold & she had to go back to work . So we cancelled the policy.

Date of experience : January 28, 2024

Communication with anyone is impossible…

Communication with anyone is impossible which is very worrying if I need to claim. Had I known how hard it was to get answers even on the chat I would not have bought a policy.

Date of experience : January 17, 2024

Great deal and super service

Having made an major error purchasing on-line, I phoned (a bit of a wait) and the lady sorted the problem easily, quickly and with courtesy and pleasantness

Date of experience : January 29, 2024

Going on mi Jollies

Easy to compare and buy Great price with my medical issues covered

Date of experience : February 06, 2024

Chosen through a comparison web site

Chosen through a comparison web site, very easy to complete application. Appears to be value for money when compared to other companies.

Date of experience : January 12, 2024

This company does not answer the phone.

This company does not answer the telephone or emails. So frustrated that I cannot contact them. I am disabled and need to contact them to see if my motor scooter was covered by the insurance. I tried for three days, all day to contact them via telephone. I was always number one in the queue and never got through. In the end, I went directly to AXA the underwriter. They answered my call within a minute.

Date of experience : January 21, 2024

It was nice to be able to do insurance…

It was nice to be able to do insurance on line nothing complicated, and was professionally

Date of experience : January 30, 2024

After sales service is as important as…

After sales service is as important as the sale itself. At my own fault paying for a house insurance after selling 5 years ago. Trying to arrange a refund took over three months of emails back and forth proving what they already knew confirming dates, solicitors proof, lost emails and general delay tactics even discovering in one year they took double payments for six months did eventually result in a refund after quoting 'full' but choosing to keep back £130 with no explanation. Typical insurance company tactics with no empathy especially when a bereavement was involved.

Date of experience : February 01, 2024

Very unsatisfaactory

Firstly, the company insured the wrong person, despite the correct details being entered. Secondly, after a first email, asking for it to be be amended, was ignored, a further such email was also ignored. As there is no phone number for contacting, I guess I'll have to write this down to experience. The company was very quick to send a "How did we do?" email. Answer - very poorly.

I was pleased to use this company as…

I was pleased to use this company as their site was clear and precise with excellent value for money. Would certainly use them again.

Date of experience : January 13, 2024

Worst insurance service

I took travel insurance out through compare the market , but the name on the document was wrong. I have been trying for 5 days to get in touch with Select and Protect. I have sent 3 emails and spent more than 4 hours on the phone and on the online chat , but still no response. I am now out of pocket by £52 and don't have any insurance. Do not use.

Good easy web site very competitive on…

Good easy web site very competitive on cover and price , will use again.

Date of experience : January 25, 2024

The policy was set in the wrong name…

The policy was set in the wrong name and I tried for 2 hours to contact you , this is concerning if I was to make a claim. I filled in the cancellation form and 24 hours later I have not had an acknowledgement. Shocking service

Abyssmal Customer Service

I have found it impossible to contact this company. On hold by telephone for literally hours, no joy from the email and a complaint email was returned as undeliverable. My fault,ey assume. Completely unsure as to whether my policy has been cancelled or not (done on line as impossible to get through by phone.) Dont know whether I will get a refund or not. I have never ever had this much hassle with a company before. Steer well clear as they are impossible to deal with

Date of experience : January 22, 2024

30 minutes in the phone queue and my…

30 minutes in the phone queue and my position did not change. I tried online chat and have now been in a queue there for 99 minutes. Ridiculous customer support.

Date of experience : February 12, 2024

Easy to select on comparison site

Easy to select on comparison site. Reasonably priced. Not travel till May 24

Date of experience : January 10, 2024

competitive price and good cover

competitive price and good cover, the site is quite straight forward and easy to get quote.

No Insurance Certificate issued

I bought insurance 3 weeks ago and still haven't been sent an insurance certificate. How can this not be the absolute first thing that a customer receives after paying a fortune for insurance. I cannot board my cruise ship without proof of insurance so am going to have to buy another policy from a company that ubderstands the importance of still receiving paperwork in this day and age. I always print a certificate off even when travelling to Europe and tell my partner where they are being kept in case the worst happens. Not having this is causing me utter anxiety before a big trip and I feel that I have thrown £114 down the pan with a Mickey Mouse company. I cannot be the only bloke in the UK having to present proof of medical insurance for a trip so why do these people not just issue one the day the policy is paid for??!! Rubbish. Further to yesterday's review- have still not received any response from the company, still have absolutely no proof of insurance, have found it impossible to contact anyone by phone or web chat and am likely going to have to buy another insurance policy now in order to be able to board my cruise. There is no contactable person at this company at all, just dead ends. Be warned; go elsewhere.

Date of experience : January 15, 2024

Travelled from Ahmedabad on flight no

Travelled from Ahmedabad on flight no. AI 171. There was a 3 hour delay. When the food came the food tray which pulls out had lo sided meaning one side of the tray hanging loose and when I notified the stewardess, she just said she apologised but didn’t want to do anything about it. I said how will I eat my food. She just carried on not wanting to sort the situation.I must say this is the first time I travelled on Air India flight but was not impressed.

Date of experience : February 03, 2024

IMAGES

  1. Complete Guide to Travel Insurance Claim: Process, Applicability and Forms

    select and protect travel insurance claims

  2. The Ultimate Travel Insurance Guide

    select and protect travel insurance claims

  3. How Does Travel Insurance Work

    select and protect travel insurance claims

  4. All You Need To Know About Travel Insurance Claims

    select and protect travel insurance claims

  5. Travel Insurance Claims: The Complete Guide

    select and protect travel insurance claims

  6. Travel Insurance Claims: 4 Tips to File a Claim

    select and protect travel insurance claims

COMMENTS

  1. How To Make A Travel Insurance Claim

    Make a claim. For all travel insurance claims, including lost personal possessions, holiday cancellation or cutting short your trip, medical (non emergency) and travel delay claims, please call the claims phone number below. ... Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd Floor ...

  2. Travel Insurance

    Make a claim. Do you need to make a travel insurance claim? It's best to have all the information about what happened to hand before getting in touch, this includes: ... Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex SS1 ...

  3. Select & Protect

    Make a claim. In the event of a claim, you want to be able to speak to someone fast. Our panel of expert insurers are on hand to help. RSA. 0121 275 2691 24 hours a day, 7 days a week. Covéa Insurance. 0330 024 2255 24 hours a day, 7 days a week. DAS. 0117 934 2000 24 hours a day, 7 days a week.

  4. Travel Insurance FAQs

    You can also make a claim using the online portal. Login or register here. ... Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex SS1 2BB (Company No. 08318836) and is authorised and regulated by the Financial Conduct ...

  5. Travel & Home Insurance

    When you take out a Select & Protect travel insurance policy, you can count on us to provide you with the best travel cover options. You can choose from three levels of cover, with optional add-ons such as cruise cover, Winter Sports or Golf cover and more. You can really tailor your cover to suit you, only paying for what you need.

  6. Contact us

    Home Insurance. Telephone 0345 345 6800. Customer service email [email protected]. The Customer Service Team Select & Protect, 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB

  7. Select & Protect Travel Insurance Portal

    Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex SS1 2BB (Company No. 08318836) and is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211.

  8. How To Get Reimbursement For A Travel Insurance Claim

    Check your policy for the required delay time to get reimbursement. For example, this could be three, five, six or 12 hours, depending on the travel insurance plan. Here, too, check your policy ...

  9. The best travel insurance policies and providers

    For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.

  10. How Do Travel Insurance Claims Work?

    Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed ...

  11. Cruise Travel Insurance

    What is cruise cover travel insurance and why it's important. If you're going on a cruise, add our cruise cover for that extra protection, including: Cabin confinement (due to accident or illness) Excursions. Itinerary change. Increased baggage limits. Select & Protect insurance offers Cruise Cover on both Single Trips and Annual Multi-Trip ...

  12. Select & Protect

    We are unable to quote travel insurance for you at this time as you do not meet our Travel and Health Eligibility Criteria. If you wish to discuss this further please call us to speak to our customer services team on 0330 041 5253 ... Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd ...

  13. Select and Protect Travel Insurance

    Choose Select and Protect Travel Insurance for peace of mind on your adventures. explore worry-free. Get protected today!

  14. How to File a Travel Insurance Claim

    The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs ...

  15. 11 Best Travel Insurance Companies in March 2024

    Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...

  16. Select And Protect Travel Insurance Review

    In this review, we'll break down the key features, benefits, and potential drawbacks of Select and Protect to help you make an informed decision for your next adventure. Select and Protect Travel Insurance Overview. Select and Protect Travel Insurance is designed to offer a comprehensive shield against unexpected events during your travels.

  17. Select and protect Travel Insurance-6 Essential Coverage for Your

    Travel insurance is a specialized type of insurance that offers coverage for various risks associated with traveling. It serves as a safety net, providing financial protection against emergencies, medical expenses, trip cancellations, lost belongings, and other unforeseen events that can disrupt your travel plans.

  18. Select & Protect

    Welcome to Select & Protect. ... customer service, underwriting and claims are all under one roof giving you the reassurance that your clients are being looked after by fully trained staff, whatever their requirement. ... To find out more about our Median home insurance speak to a member of the Broker Support team on 0845 345 9650. ...

  19. Travel & Home Insurance

    Travel Insurance. When you take outward a Select & Protect travel insurance police, you can count on us in offering you with the your travel cover options. You can choose from three levels of cover, with optional add-ons that as cruise top, Winter Sport or Golf cover and more.

  20. Select & Protect Reviews

    Do you agree with Select & Protect's 4-star rating? Check out what 1,091 people have written so far, and share your own experience. | Read 21-40 Reviews out of 1,043. Do you agree with Select & Protect's TrustScore? Voice your opinion today and hear what 1,091 customers have already said. ... Travel Insurance Company; Select & Protect; Overview ...

  21. 11 Best Travel Insurance Companies Of March 2024

    Generali Global Assistance - Great for Pre-Existing Medical Condition Coverage. HTH Worldwide - Best for Trip Interruption. Nationwide (Cruise Choice) - Great for Cruise Itinerary Change ...

  22. Select & Protect Travel Insurance Portal

    Make a claim; Get a new travel insurance quote; Need Help? I'm unable to login. ... Select & Protect Travel Insurance is arranged and administered by Hood Travel Ltd. Registered in England at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex SS1 2BB (Company No. 08318836) and is authorised and regulated by the Financial Conduct ...

  23. Select & Protect Reviews

    Travel Insurance with confidence. A great and easy to use website with the ability to amend. A reasonable cost, half the price of the one I used last year. Date of experience: 11 February 2024. GL. GlynisNoden. 5 reviews. GB. 26 Jan 2024.

  24. Select & Protect Reviews

    Providing both Travel & Home Insurance. When you take out a Select & Protect travel insurance policy, you can count on us to provide you with the best travel cover options. You can really tailor your cover to suit your needs, only paying for what you really need. We provide flexibility & confidence for when & where you decide to travel.

  25. Select & Protect Reviews

    Chose this company even though some others were cheaper, felt they provided the required travel insurance cover that was needed for my holiday. The online form was straightforward to fill-out and the cost was excellent value, making this a good choice for my insurance cover. Date of experience: 11 February 2024.

  26. Select & Protect Reviews

    Good medical travel insurance. I found Select and Protect medical travel insurance very helpful when I used before. Price good so happy to use again. Haven't needed to claim so don't know how good it would be then. Date of experience: January 05, 2024. CH. Charles. 11 reviews. GB. Jan 19, 2024.