should i get travel insurance for usa

Is travel insurance worth it?

You've spent weeks meticulously planning your vacation — everything from airfare and hotels to an itinerary. However, what do you do when something unexpected occurs and suddenly you can't take your trip?

Some purchase travel insurance. It can help you potentially avoid losing the thousands of dollars you spent on your vacation.

But when is travel insurance worth buying?

Here's everything you need to know about travel insurance so you can decide if you should purchase a policy for your next trip.

What is travel insurance?

Travel insurance is coverage you can purchase to protect yourself from risks and potential financial losses you may incur while traveling, according to insurance company Nationwide .

There are two categories of travel insurance: trip cancellation protection and comprehensive travel insurance.

Trip cancellation insurance is the most basic form of travel insurance. It covers your lost bags or missed connecting flights in the event you cannot travel due to illness or injury.

Comprehensive travel insurance covers many of the same issues as trip cancellation insurance. However, it also offers coverage for medical and dental emergencies, emergency evacuations in the event of a disaster, 24-hour traveler assistance and accidental death benefits.

Travel insurance can provide many different types of coverage, though you may feel reluctant to tack on another expense to your trip.

When should I purchase travel insurance?

While travel insurance has its benefits, you only need to purchase it in certain scenarios.

When to skip buying travel insurance

You can skip purchasing travel insurance if you're traveling within the U.S. Flying domestically typically isn't as expensive compared to international trips. Also, if you already have medical insurance, you will most likely be covered in the event of a medical emergency in another state.

Purchasing insurance that only covers flight cancellations or lost baggage may not be wise either.

For instance, if your flight is canceled, you won't necessarily lose all the money you spent on airfare. That's because airlines typically book passengers on the next available flight. Even if the next available flight doesn't work for you, passengers are entitled to refunds from airlines if their flights are canceled or significantly delayed.

You also may not need to buy travel insurance if you have a card like the Chase Sapphire Preferred Card or The Platinum Card® from American Express . Some credit cards already offer a few travel insurance benefits such as trip cancellation protection and lost luggage reimbursements. Keep in mind, though, that the insurance perks credit cards offer may not be sufficient for larger trips.

When to buy travel insurance

You should only consider travel insurance if you're traveling at least 100 miles away and you have travel concerns, according to Suzanne Morrow, senior vice president of e-commerce at InsureMyTrip .

"Am I concerned that something happens to me medically? Am I concerned if there's delays or cancellations or anything that'll prevent me from being able to go?" Morrow said. "Once people can identify the things they're concerned about, they can think about what type of travel insurance they need."

Travel insurance can come in handy when traveling internationally, particularly for medical coverage since U.S. travelers won't otherwise have medical insurance abroad.

Megan Moncrief, chief marketing officer at travel insurance comparison site Squaremouth , said travel insurance can be beneficial for international trips due to the chances of facing more inconveniences associated with higher traveling costs.

"Most of us have health insurance here. We don't need the medical side of traveling domestically," Moncrief said. "If you're traveling internationally, you're more than likely to have a higher trip cost, more legs to your trip, so more chances to be inconvenienced along the way."

Besides cancellations or medical coverage, comprehensive travel insurance can also allow you to book a flight quickly in the event you have to abruptly leave your vacation for an unplanned situation like a family emergency. Travel insurance plans can offer medical evacuation or emergency evacuation coverage, where travelers — in the absolute worst-case scenario — can be transported to the nearest hospital or medical facility in the event of illness or injury without accruing six-figure medical bills.

"Unless you 100% know your medical insurance is going to take care of you outside of the United States, 100% for that reason alone [you should consider travel medical insurance]," Morrow said. "The second is the evacuation piece because, believe it or not, that can get really, really expensive if you have to be medically evac'd and have to pay it out of your pocket."

However, Stan Sandberg, co-founder of TravelInsurance.com , said he believes consumers should only purchase travel insurance if their trip has any nonrefundable components that they wouldn't want to lose money over.

"We see a lot of people who are looking for insurance for the post-departure benefits," Sandberg said. "So, when they're on the trip, they want the emergency medical expense coverage. If someone were to get sick or if something goes wrong, then that's covered."

How do I purchase travel insurance?

There are two ways you can purchase travel insurance: by searching comparison sites for a quote or directly from a provider.

Travel comparison sites, such as InsureMyTrip, Squaremouth and TravelInsurance.com, allow you to compare policies and prices across multiple travel insurance companies, which may give you the most options. You can also purchase travel insurance directly from a provider — companies such as Allianz and AIG are popular.

Surprisingly, travel insurance isn't expensive. You should expect to spend around 4% to 10% of the total for your nonrefundable trip costs, per InsureMyTrip.

You may feel reluctant to tack on another expense to an already pricey vacation, but with travel insurance only costing, on average, $280 to insure $5,200 of expenses, according to Moncrief, the extra expense may be worth it for added peace of mind.

"It makes it look a lot more attractive when you can think, 'Well, I can either lose $5,200 if I can't travel or spend $280 to make sure I don't ever lose the $5,200,'" Moncrief said.

Bottom line

There are perks to having travel insurance. It can be worth buying for international trips in case a medical or family emergency causes you to suddenly cancel the rest of your trip.

By only spending a couple of hundred dollars, you'll potentially save yourself thousands of dollars.

"Travel is becoming more expensive," Moncrief said. "Inflation is very real, and what we're seeing is travelers are having to spend more on their travel; therefore they're less likely to want to risk that expense."

Related reading:

• The best travel insurance policies and providers
• The best credit cards with travel insurance
• 7 things to look out for when buying travel insurance, according to an expert
• Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections
• All you need to know about annual travel insurance policies

4 Best Travel Insurance for the USA in 2024

Home | Travel | North America | United States | 4 Best Travel Insurance for the USA in 2024

Choosing the right travel insurance for the United States can be a bit tricky. After all, it depends on several factors like your age, the purpose of your trip, and how long you’ll be visiting the U.S. You can even find policies for U.S. citizens who are living abroad and coming back to the States for a visit.

However, if you’re looking for insurance for U.S. residents traveling within the country or coverage for Americans traveling abroad, you should read our guides on domestic travel insurance and travel insurance for Americans .

Best Travel Insurance for the USA in 2024

When it comes to the best travel insurance for parents visiting the USA , those studying abroad in the United States, individuals coming here for work, and tourists, there are a few great options. I’ll tell you upfront that Heymondo is the overall best holiday insurance for the USA . It offers single-trip and multi-trip insurance plans, making it a great option for all kinds of travelers.

Plus, Heymondo is the only tourist health insurance in the USA that pays your medical expenses upfront instead of having you pay out-of-pocket and file a claim to get reimbursed. This is imperative in a country like the United States, where healthcare is incredibly costly. If you decide to go with Heymondo, click our link below to get a discount on Heymondo insurance .

5% OFF your travel insurance

Of course, there are other good USA travel insurances on the market. SafetyWing is the second-best choice and a cheaper alternative to Heymondo. I’ll cover these companies and more in this guide, including what your policy should cover, so keep reading.

Best insurance for travel to the U.S. in 2024

If there’s a country where having travel insurance is essential, it’s the United States. However, finding the best travel insurance for the USA isn’t always straightforward since it depends on the reason for your trip. Maybe you’re only visiting for a few weeks, or perhaps you’ve come here to work or study abroad. Don’t worry because this guide will help you choose the perfect coverage plan for your needs.

In a nutshell, these are the 4 best U.S. travel insurance companies :

• Heymondo , the best travel insurance for the USA
• SafetyWing , a cheap travel insurance to the USA
• IMG Global , another good travel insurance for visitors to the USA
• Trawick International , the best U.S. travel insurance for students

Cost of travel health insurance for the USA

Before we delve into the best travel insurance companies for the U.S. , here is a pricing chart to help you quickly compare each option. Remember, the cost of travel health insurance for the USA depends on various factors like the duration of your trip, your age, how much coverage you want, and whether you’re purchasing medical-only insurance.

For this USA travel insurance comparison , I used the example of a 30-year-old British citizen visiting the U.S. for two weeks, with a trip cost of $2,500:

While SafetyWing is the cheapest USA travel insurance , it has a $250 deductible and limited travel-related benefits.

Heymondo costs a bit more than IMG Global and Trawick International , but it offers excellent medical expense coverage, which is super important for the USA. Also, it’s the only American travel insurance that pays your medical bills upfront , so you don’t have to pay out-of-pocket and file a claim for reimbursement.

For us, it’s worth spending a bit more for a much higher amount of coverage, but you can decide for yourself after reading about each of these companies below .

1. Heymondo , the best travel insurance for the USA

Whether you’re taking a short vacation, studying abroad for a few months, or starting a new job here, Heymondo is the best travel insurance for visitors to the USA .

There are several reasons why Heymondo travel insurance is one of the best options on the market. First of all, they have a variety of plans, including single-trip insurance, annual multi-trip insurance , and medical-only travel insurance.

Not only that, but Heymondo is the only travel insurance company that pays your medical expenses upfront instead of making you pay for it yourself and then file a claim for reimbursement. This is especially important in the United States, where healthcare expenses are through the roof.

Another advantage of Heymondo is its excellent price-to-coverage ratio. Whenever we’ve compared U.S. travel insurance , Heymondo has always come out on top for offering competitive prices while matching or even exceeding similar insurances’ coverage.

We’ve had a great experience using Heymondo on all our most recent trips. Not having to deal with the hassle of paying out-of-pocket for accidents and injuries has been amazing, and the 24/7 customer support app has been wonderful in helping us stay informed and calm in emergencies. Our family always buys Heymondo’s medical insurance for USA visitors whenever they come to see us, and they love it, too.

This is easily one of the best travel insurance companies of 2024 , so if you want to purchase a policy, use our link below to get a discount on Heymondo .

2. SafetyWing , a cheap travel insurance to the USA

If you’re on a budget, SafetyWing is the best choice for cheap travel insurance to the USA . It offers a good amount of medical-related coverage, which is crucial in a country like the United States, where even a simple doctor’s visit can be expensive.

Whether you’re traveling for pleasure, work, or studying, SafetyWing is one of the overall best medical-only travel insurance options. Its plans are specifically tailored for travelers who want comprehensive medical coverage (hospital stays, ambulance transportation, emergency dental service, etc.) Plus, there is the option to automatically renew your plan every month until you choose an end date, so you never have to travel without coverage.

While this is one of the best tourist health insurances for the USA , it doesn’t have as many travel-related benefits. It also has a $250 deductible , so you’ll be responsible for paying that amount yourself before medical benefits kick in.

As an alternative, Heymondo has medical-only travel insurance for USA visitors , as well as comprehensive plans for health- and travel-related coverage. Moreover, there is a $0 deductible with Heymondo, and the company pays your medical bills upfront, so you don’t have to file a claim and wait for reimbursement.

3. IMG Global , another good travel insurance for visitors to the USA

IMG Global is another USA visitors travel insurance worth looking into. This company has a wide range of plans to appeal to different types of travelers. For example, you can find a policy if you’re a U.S. expat coming back to the States for a visit, a foreign exchange student in the U.S., a parent visiting your child in the USA, a remote worker, or a tourist.

Patriot America Plus is one of IMG Global’s policies and a good choice for those looking for one of the best comprehensive USA travel insurance plans. It includes a high amount of emergency medical expense coverage, as well as accidental death, evacuation, natural disaster coverage, and lost luggage protection. There is even coverage for the acute onset of pre-existing conditions for travelers under age 70.

The Patriot Exchange Program is a USA health insurance for international students , particularly those who meet the US J1 and J2 visa requirements. This plan covers many medical expenses, including hospital room and board, physician visits, prescriptions, urgent care, emergency room visits, and more.

It’s also worth noting that IMG Global is known as one of the best trip cancellation insurance companies, and it has excellent Cancel-For-Any-Reason insurance . I recommend getting a quote since prices vary depending on your choice of deductible and how much maximum coverage you want.

4. Trawick International , another great holiday insurance for the USA

Speaking of studying in the U.S. , Trawick International is another one of the best international travel insurances for students .

For example, the International Student and Scholar Medical Evacuation and Repatriation plan is designed for students who want to save money and just have coverage for emergency evacuation to their home country.

There is also the Collegiate Care plans, which include the Essential, Enhanced, Elite, and Exclusive tiers. They range in terms of maximum coverage limits and deductibles, but they all offer health-related benefits like emergency medical expense coverage, accidental death, and evacuation. You can also choose your deductible ($0, $100, $250, $500, $1,500).

Another one of Trawick International’s American health insurances for visitors is the Safe Travels Voyager plan. It includes your choice of deductible, $500,000 in emergency medical expense coverage, $2,000,000 for evacuation and repatriation, $5,000 for trip interruption, and a $1,000 baggage loss benefit. However, this policy doesn’t include trip cancellation coverage.

A company that does include trip cancellation benefits is Heymondo . Its long-term travel insurance is suitable for students on a budget as well as remote workers, American expats, and tourists. For just a bit more money, you can get a higher amount of coverage with no deductible and no need to pay anything out of pocket since Heymondo pays your medical bills upfront.

Is travel insurance for the United States mandatory?

Having travel insurance isn’t a requirement for entering the United States, but it’s a very good idea to get a USA travel insurance policy.

If you’re worried about the cost of USA travel health insurance , consider that American healthcare is super expensive. An insurance policy pretty much pays for itself after just one trip to the doctor or urgent care center. It’s much better to pay upfront for USA tourist travel insurance than shell out hundreds or even thousands of dollars for medical attention.

To give you a better idea of the average cost of medical care in the U.S., here is a chart with some of the most common services:

The average cost for an urgent care visit in the United States without insurance is $175 . That’s more than twice the amount of the USA visitors medical insurance plans in this article. I’d say it’s definitely worth investing in a policy!

Even if you’re on a strict budget, there are plenty of cheap travel insurance options that can give you the protection you need without breaking the bank.

What should U.S. travel insurance cover?

Before you buy travel insurance for the USA , it’s important to know what your policy should include. Below, you’ll find the must-have coverage you should look for when comparing USA travel insurance :

Emergency medical expense coverage

First, emergency medical expense coverage is crucial, especially considering the steep price of U.S. healthcare and services. Don’t risk paying out of pocket for a trip to an urgent care center or hospital! With this benefit, you’ll be covered for those doctor visits, as well as tests and treatments, depending on the policy terms.

Evacuation and repatriation

This type of coverage is important if you need to return to your home country for treatment after falling seriously ill. All the best travel medical insurance for USA visitors includes this benefit.

Trip cancellation, interruption, and delays

Whether it’s a cancelled flight or an illness that disrupts your trip, this type of benefit will make sure you’re covered. If you want this type of coverage, make sure you get a USA travel insurance policy with travel-related benefits, not just medical.

Baggage loss, theft, or damage

Replacing clothes and toiletries can get expensive, so a policy with baggage loss coverage can help you replace your precious items without shelling out your own money.

FAQs – Travel insurance for the United States

Finally, here are some common questions about travel insurance for the USA :

Is travel insurance for the USA worth it?

Absolutely. Having travel insurance for the United States is totally worth it since just one doctor’s visit could end up costing you a ton of money.

Is travel insurance for the USA mandatory?

No, travel insurance for the USA is not mandatory, but I highly recommend it, especially since healthcare in the United States is incredibly expensive.

Can a tourist get health insurance in the USA?

Yes. Tourist health insurance in the USA is available from several companies, such as the ones in this article.

The best travel medical insurance for visitors to the USA should include coverage for emergency medical expenses, evacuation, repatriation, trip cancellation/interruption, and baggage loss.

What’s the best travel insurance for USA visitors?

Overall, the best travel health insurance for the USA is Heymondo . It has a $0 deductible, a great price-to-coverage ratio, and no upfront, out-of-pocket medical payments.

What happens if you get sick while visiting the USA?

If you get sick while visiting the U.S. and you need to go to the emergency room, an urgent care clinic, or doctor, you’ll have to present your insurance. Depending on your insurance policy, your medical expenses may be covered or partially covered.

How much does travel health insurance in the USA cost?

You can find cheap travel insurance for the USA for as little as around $40 a week. The price depends on things like your age, the duration of your trip, and the amount of coverage you need.

Can you buy insurance for your trip to the USA after arriving in the United States?

Yes, but it may take a day or two for the coverage to go into effect, so if you get sick during the interim, you won’t be covered.

In conclusion, having travel insurance for a trip to the USA is always a good idea. Plus, there are USA holiday insurance plans for any kind of trip, traveler, and budget.

We consider Heymondo to be the overall best insurance for travel to the USA . With its affordable prices and extensive coverage, it’s a great value for money. It’s also the only insurance that pays your medical expenses upfront, so you don’t have to cover the cost of ridiculously priced healthcare and then file a claim for reimbursement.

If you decide to go with Heymondo, don’t forget to take advantage of our Heymondo discount code below.

Of course, don’t hesitate to leave me a comment below if you have any other questions about travel insurance for visitors to the USA . I’d be happy to help you out!

Stay safe, and have a great trip to the States!

Ascen Aynat

2 replies on “ 4 Best Travel Insurance for the USA in 2024 ”

Any ideas for Death Valley and Alabama Hills photo tour?

What are your suggestions for a Yosemite trip?

Thank you, Renate

Hi Renate, Our Death Valley & Alabama Hills photo tour is actually going on now! But you can sign up for next year 🙂 We also have an awesome guide on things to do in Yosemite , so I suggest checking it out!

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Travel Insurance: What It Covers and When to Buy It

The range of benefits and prices for different policies can be complicated. Here’s what you need to know before you buy.

By Elaine Glusac

In the wake of Covid, travel insurance sales have spiked with the rebound in travel as people seek to protect their investments against flight delays and cancellations, extreme weather events and the persistence of the virus. But travel insurance is complicated with a range of benefits, inclusions and prices. Here’s what you need to know before you buy.

Know what’s covered

Generally speaking, travel insurance covers unforeseen events, like an illness in the family, the loss of a job or a natural disaster, that force you to cancel or interrupt a trip. It can also apply in the event of a strike at a transportation company, a terrorist attack in your destination or when your travel provider goes bankrupt. These are known as covered reasons . Most polices also include medical coverage, which is useful abroad where your health insurance may not cover you.

While policy prices vary based on age, length of travel and type of coverage, expect to pay between 4 to 10 percent of your entire trip cost to get insured.

Insure nonrefundable expenses

Travel insurance was designed to protect expenses you can’t get back any other way when things go wrong. Think of nonrefundable Airbnb reservations or the cost of a cruise to the Galápagos.

If your hotel is refundable and you can get the value of your flights back in credits, you can skip travel insurance.

Buy close to booking

Travel insurers say the best time to buy travel insurance — which usually takes effect within a day of purchase — is just after making your travel plans to have the largest possible coverage window. A lot can happen between booking a Christmas market cruise in Europe in June and going in December.

With many plans, purchasing travel insurance 10 to 14 days from your first trip payment entitles you to “early purchase” benefits such as a waiver for pre-existing medical conditions that impact travel. If such a waiver is included, it is usually prominent in a summary of benefits, so read it carefully.

“Not all plans have a pre-existing condition waiver,” said Suzanne Morrow, the senior vice president of InsureMyTrip.com , an online insurance marketplace. “If I have a heart condition and if something occurs, I don’t want it excluded, so I would need to buy a policy within 14 days of the first dollar spent.”

Hedge against the weather

You can’t control the weather, but you can insure against its unexpected disruptions. For example, if you’re ready to jump on great rates in the Caribbean during the height of hurricane season, buy your insurance immediately after booking so that if a hurricane develops and your destination is evacuated, you’ll be covered.

“That’s probably the biggest use case for travel insurance,” said Stan Sandberg, a co-founder of TravelInsurance.com , an online marketplace. He counsels travelers to buy early — if you wait and the storm is named it will be too late to insure against it, because it is no longer an unforeseen event.

Similarly, with winter travel, if you’ve purchased nonrefundable ski lift tickets and a storm prevents you from reaching the resort, you may be able to claim the unused portion of your ski pass.

This coverage may prove more valuable as climate change exacerbates weather events like hurricanes and tornadoes, which are considered “natural disasters” and are covered by most policies.

Pick up the phone

With the proliferation of automated insurance offers when you buy airline tickets or tours, travel insurance can feel like a one-size-fits-all product. It is not. Many policies, for example, exclude extreme sports like skydiving and mountain climbing, though there are specialty policies that include them.

If you have a specific concern — a family member is sick or you’re going heli-skiing — the best way to know if a travel insurance policy will cover you is to call an insurer or the help line at a travel insurance marketplace to get advice.

“Tell them the what-if scenario and then you can get professional and accurate advice,” Ms. Morrow said. “Thinking you’re covered and then having your claim denied is salt in the wound.”

Travel insurance does not cover ‘unpleasantries’

What if you’re dreading spending a week in an un-air-conditioned rental in England during a heat wave and decide you don’t want to go? Most standard travel insurance will not cover a change of heart.

“Travel insurance doesn’t cover you for unpleasantries,” said Carol Mueller, the vice president for strategic marketing at Berkshire Hathaway Travel Protection.

A policy upgrade, Cancel for Any Reason coverage, which is not available in every state, will cover a change of heart, usually up until a few days before departure. Most only reimburse 50 to 75 percent of your costs and the purchase must be made within weeks of your initial trip payment. It will bump your insurance premium up 40 to 50 percent, according to the insurance marketplace Squaremouth.com , which only recommends C.F.A.R. for travelers with specific concerns not included under covered reasons for trip cancellation.

A relatively new twist in trip protection, Interruption for Any Reason , works like C.F.A.R. in that it reimburses a portion of your expenses and can be invoked if you decide to bail while you’re on a trip for a reason that isn’t covered by standard trip insurance. Normally, you must buy it within weeks of your initial trip payment and be 72 hours into a trip before you can use it.

Keep records

If something goes wrong and you need to make a claim, you’ll need proof in the form of a paper trail. That could be receipts for clothing you purchased when your bags went missing, a hotel room required when your flight was canceled (along with flight cancellation notices from the airline) or a doctor’s note stating that you have Covid — or another illness — and are unable to travel. (With Covid, a positive test taken at home is not considered official documentation for the purposes of a claim.)

Resist pressure to buy flight insurance

When purchasing an airline ticket online, most carriers offer travel insurance to cover the cost with some version of vaguely menacing language like, “Do you really want to risk your investment?” when you decline.

Don’t fall for it. You may want to insure that ticket, but price out the policy elsewhere. A recent offer to insure a $428 flight for nearly $28 on an airline website cost $12 to $96 with a range of options at InsureMyTrip.com.

The $12 option was closest to the airline’s offer. Caveat emptor.

An earlier version of this article misspelled the first name of the senior vice president of InsureMyTrip.com , an online insurance marketplace. It is Suzanne Morrow, not Suzanna.

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Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

D enver, Colo.: The city is undergoing a rebirth , with a newly refreshed Union Station and the gradual reopening of the mile-long, pedestrian-friendly 16th Street Mall to go along with views of the snow-capped Front Range.

La Rioja, Spain:  A drive through rolling vineyards will take you to 5 family-run restaurants  where you’ll find flavorful, affordable dishes you can linger over for hours.

Seattle, Wash.:  Today’s Seattle is ever evolving, filled with colorful neighborhoods that are emblematic of the Emerald City’s  natural beauty, vibrant street life ,  and commitment to both preservation and progress .

Stockholm-Helsinki Ferry:  The 16-hour trip between the two northern European cities is a festive summer ritual , with plenty of singing, gambling, limbo contests and maybe a bit too much to drink.

Swim in the Wild:  Looking to take a dip in or near a city center? Here are some European urban areas that have successfully opened up waterways for swimmers .

Travel Insurance USA: What You Need to Know

When it comes to travel insurance, America is one destination where it is important to have comprehensive cover

N ext to having a valid passport and visa, purchasing the best travel insurance for the USA is another important requirement for visitors to America. 

In the USA, holiday insurance is essential, mostly because of the cost of medical care, but also because of the many other unplanned changes that can happen when you travel. It's estimated that almost half a million trips to North America were taken by Brits last year.

This article explains why purchasing a comprehensive travel insurance policy for the USA can give travellers the peace of mind they need to relax and enjoy the country that has everything.  

• Travelling to the USA? The Telegraph Media Group Travel Insurance Service, provided by AllClear, provides cover for more than 1300 medical conditions. Get a quote now.

Do I need travel insurance for the USA?

It is usually recommended that you take out travel insurance when travelling to the USA. 

Although you can enter the country for a holiday without it, America’s medical costs make this a particular risk for travellers. The USA is famous for its privatised healthcare system and can be one of the most expensive countries in the world for emergency medical care 

With a ride in an ambulance weighing in at an average cost of more than $1,000 , the cost of treatment can quickly add up if you experience a medical emergency– and in places it may not be given at all if you lack adequate cover – so it is strongly recommended that you take out travel insurance for the USA. 

How much travel insurance do I need for the USA? 

When deciding what would be the best travel insurance for the USA for you, it’s important to bear in mind that you can get different levels of cover. You will want to make your choice depending on what activities you have planned and how much protection you may need. 

The best USA travel insurance will be enough to cover you for any medical treatment you might happen to need, as well as the value of all belongings you might want to travel with (think sports equipment) and the cost of your flights. 

Making sure you have comprehensive cover can therefore be even more important if you have a pre-existing medical condition.

How much is travel insurance for the USA?

The price of travel insurance for the USA can differ depending on a number of factors like the length of the journey, the age of the traveller, the level of protection wanted, and the insurance company selected. Most policies include medical cover, trip cancellation/interruption coverage, or baggage coverage,  so ensure this is the case, or if it needs to be added on at additional cost. 

As already noted, however, the medical costs and other risks in the USA can mean that policy quotes can be more expensive than for trips to certain parts of Europe, for example - but it is important to have the peace of mind that you are covered should something go wrong.

What will USA travel insurance cover?

Every travel insurance policy is different, so it is important that you read all the details beforehand to make sure your policy covers everything you require.

In general, it is wise to make sure your USA holiday insurance covers:

Emergency medical expenses Hopefully you will be able to enjoy your entire holiday in good health, but in case something happens while you are away, your insurance should cover you for emergency treatment. Remember to declare any pre-existing conditions before you travel as these may not be covered if you do not.

Repatriation to the UK This will cover the expense in case you need to be transported back to the UK for medical treatment. 

Baggage and personal property loss or theft You may be able to have the cost of your personal items replaced should you lose your luggage or sporting equipment or have anything stolen. It is wise to check that this will also cover any gadgets, currency or passports that you will have on you too. 

Cancellation cover & curtailment This should cover you if your holiday is cancelled or cut short due to conditions beyond your control. 

You may also want to consider whether you need additional cover for travel disruptions, legal liability, COVID-19 cancellation, or separate insurance because you will be driving a vehicle. 

Travelling regularly?

If you plan to travel to the USA or elsewhere multiple times over the next 12 months, an annual multi-trip policy could be a better option for you. Annual multi-trip travel insurance policies provide cover for multiple trips within a year, offering convenience and potentially cost savings for frequent travellers. On the other hand, single trip policies provide coverage for a specific trip, making them suitable for individuals who only travel occasionally or have a one-time trip planned.

AllClear, providers of the Telegraph Media Group Travel Insurance Service provide both options for travellers to the USA. Learn more.

Tips for travelling to the USA

Get your ESTA: Getting a visa for the United States can be difficult, but UK citizens planning a short holiday across the Pond should find this much easier, as they can qualify for an ESTA . This stands for Electronic System for Travel Authorisation, and will allow you visa-free access to the country for up to 90 days for either business or holiday reasons. You will need to apply for this online before you go. 

Check local laws: Laws in the USA can change from state to state. For example, you only need to be 18 years old to book a hotel room in Washington, whereas in Nevada you need to be 21. Make sure to look these up ahead of time, especially if you are planning a trip that takes in several destinations, such as a road trip. Insurance will not cover you if your actions are illegal in your location.

Don’t forget tipping: One of the biggest cultural differences Britons experience when travelling in the USA is the behaviour around tipping. From waiters to taxi drivers, many service workers in the USA require tips as part of their earnings. Tips of 15-20 per cent of your total bill are the norm. 

Buy travel insurance for USA today 

If you are travelling to the USA and need to purchase cover, AllClear providers of the Telegraph Media Group Travel Insurance service may be able to help. From a family holiday to Florida to a long weekend in New York, you can travel with peace of mind with USA travel insurance, which includes Covid-19 cover at no extra cost. 

Travel to the USA in confidence with the Telegraph Media Group Travel Insurance Service - Get a quote today.

Read more: 

• Why you need cruise travel insurance before you set sail
• Travel Insurance Europe: How it works
• What travel insurance do I need for Australia?
• What is annual multi-trip travel insurance?

Telegraph Media Group Limited is an Introducer Appointed Representative of AllClear Insurance Services Limited, a company that is authorised and regulated by the Financial Conduct Authority. 

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Best Overall Travel Insurance

Best travel insurance runner-up, best travel insurance for cruises, best travel insurance for reputation, best travel insurance for pre-existing conditions, best travel insurance for digital nomads, best travel insurance for affordability, best travel insurance for road trips, best for adventure traveling, get travel insurance quotes, how we reviewed the best travel insurance companies, ultimate guide to choosing the best travel insurance.

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

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

Best Travel Insurance Companies of 2024

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Travel Insurance

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

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

Read our Nationwide travel insurance review .

AXA Assistance USA

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

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

Read our AXA Assistance USA travel insurance review .

Travel Guard

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

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

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

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

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

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

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

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

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

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

Understanding Different Types of Travel Insurance

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

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

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

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

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

Understanding the Policy's Fine Print

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

For example, to get coverage for a canceled trip due to work, many travel insurance companies require that you've been with that company for at least a year. 

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy — what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. At the very least, you should have the terms readily available while you're on your trip.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Your insurance company may even have a 24/7 assistance hotline that can walk you through an emergency during your trip, even issues that don't involve claims. 

When a problem arises. you'll want to document as much as possible, in case you need proof when filing a claim. Ask for receipts and invoices when possible.

How to Pick the Best Travel Insurance Company for You

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

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

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

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

Guide Methodology: What We Considered

Policy Types

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

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

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

Convenience and Flexibility

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

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

Claims Handling

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

Ease of Use and Support

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

You can read more about how Business Insider rates travel insurance for even more details. And see our guide to the best travel insurance in California if you're traveling to that state, specifically.

Best Travel Insurance FAQs

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

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

The right amount of travel insurance depends on your trip, but $100,000 should be sufficient for most travel plans. You may want more coverage for travel medical insurance and emergency medical evacuation coverage.

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

Tailor your annual travel insurance plan to your needs

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

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

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

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

SEE FULL REVIEW »

Annual Travel Insurance Plan offers year-round travel insurance protection

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

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

No coverage for preexisting medical conditions

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

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

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

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

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

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

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

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

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

Why Trust U.S. News Travel

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

You might also be interested in:

The 5 Best Family Travel Insurance Plans

Holly Johnson

Explore the options to protect your family wherever you roam.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

The 6 Best Vacation Rental Travel Insurance Plans

Protect your trip and give yourself peace of mind with the top options.

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

These are the scenarios when travel insurance makes most sense.

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Travel Medical Insurance: Emergency Coverage While You Travel Internationally

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is travel health insurance?

Travel insurance vs. travel medical insurance, what does travel medical insurance cover, different types of travel medical insurance plans, how to purchase travel medical insurance, credit cards with travel medical insurance, who needs travel health insurance, how much does travel medical insurance cost, medical only travel insurance, how do i use my travel health insurance, what else you need to know, final thoughts on international medical insurance plans.

Travel medical insurance provides protection against unexpected illnesses or injuries during travel abroad.

Premium travel credit cards may offer limited coverage, making stand-alone travel medical insurance necessary.

In case of a medical emergency, contact the insurer, pay expenses and file a reimbursement claim.

Primary vs. secondary coverage: Primary allows direct claims, secondary requires filing with primary first.

If you’re looking for a policy that protects you in the event of an unexpected illness or injury while traveling abroad, then you need to learn about stand-alone travel medical insurance. This type of insurance can be provided by the benefits of certain premium travel credit cards , but the coverages can be both limiting and low in value.

Emergency medical coverage is included within some comprehensive travel insurance policies but can also be purchased on its own. Even if you have a primary U.S. insurance plan, including Medicaid or Medicare, odds are it will help very little (or often not at all) while out of the country.

Checking all the different sources of information can get confusing, and it's easy to misunderstand what type of medical insurance you have when traveling or accidentally duplicate your coverage by purchasing a policy when you already have those benefits covered from another source. Here’s everything you need to know about travel medical insurance so you can choose the best option for your trip.

Travel medical insurance provides reimbursement for emergency medical expenses, including medical evacuations, while you’re traveling. These policies do not provide coverage for routine expenses.

So, if you break your leg while you're on vacation internationally, emergency medical coverage will protect you. However, if you decide to get a teeth cleaning while you’re abroad, you will not be covered. Travel medical insurance is meant to protect you in case of emergency.

Expats, frequent business travelers or individuals who spend significant periods of time living outside the U.S. can purchase a comprehensive travel health insurance policy meant for long-term travelers (more on this below). These policies offer routine medical coverage for those living abroad (generally for one year or longer) rather than vacationers. Long-term international travel health insurance policies should not be confused with travel medical insurance.

Travel medical insurance products and comprehensive policies may also include coverage for family members who are traveling with you, or coverage for a family member to visit you if you become hospitalized. The definition of "family" can vary, but it commonly includes your spouse, children, siblings, parents, grandparents and more. So if your travel companion gets sick or injured during the trip, trip cancellation benefits may kick in. Or if you get hospitalized in a foreign country, the insurer could pay for a flight and hotel accommodations for a designated family member to visit you.

Although natural disasters that impact your plans are usually covered, travel medical insurance policies often exclude pandemics from coverage or those countries that have a ‘Level 4 Do Not Travel’ advisory issued by the U.S. Department of State . If U.S. citizens travel to those countries, travel medical insurance services may not be available. It's important to check the fine print of your policy to determine what may or may not be covered.

A comprehensive travel insurance policy will include more protections than stand-alone travel medical insurance.

Travel medical insurance plans will have protections related to emergency medical events, while comprehensive trip insurance policies cover everything from medical care to trip cancellations.

Here are how those differences generally shake out.

With travel medical insurance, there are no trip cancellation benefits, so the cost of the trip is irrelevant. This makes the policy cheaper compared to purchasing comprehensive travel insurance, where you’ll need to include the entire nonrefundable cost of your vacation when calculating your quote.

Although travel medical plans can include coverage for benefits like trip interruption, the covered amounts will usually be limited.

» Learn more: How to find the best travel insurance

You will be reimbursed for unplanned, emergency medical costs that you incur during your trip. We reviewed several travel medical insurance plans on InsureMyTrip and found that they offer the following protections:

Since we reviewed several policies in the chart above, these limits show a wide range.

» Learn more: Does travel insurance cover medical expenses? Kinda.

Both the type of trip and type of coverage determine which travel medical policy makes the most sense. You’ll need to become familiar with four terms: primary coverage, secondary coverage, single trip and multi-trip.

Primary vs. secondary coverage

Travel medical insurance plans will refer to medical coverage as primary or secondary.

Primary means that you can submit a claim to your travel medical insurance company before submitting to any other insurer.

When the policy is secondary , you will need to submit your claim to your primary insurance provider before you can submit a claim to the travel insurance provider.

For example, say you break your leg on vacation and have to go to the emergency room right away. If your travel health insurance is primary, you can pay your medical bill with your credit card and then submit a claim directly to the travel insurer.

However, if your travel medical coverage is secondary, you will first have to submit this claim to your U.S.-based medical insurer even though they may deny the claim (because the policies limit coverage abroad). You may even be required to include the refusal notice from your primary insurance along with your claim to your secondary travel health insurer.

Single-trip vs. multi-trip

Whether you’re a frequent traveler or go on vacation only once a year, you can choose a policy that is tailored to your travel needs. You can purchase either single- or multi-trip coverage, and it's important to know the difference between the two types.

Single-trip medical travel insurance: You leave home, travel internationally and return home. You can visit as many countries as you like while traveling, but when you return home, the coverage ends. These plans are purchased for each trip, whether you’re gone for four days or four weeks.

Multi-trip coverage: You can leave, travel and return home as many times as you want during the covered period. You can, for example, leave home, travel to France for a week, return home for a month, travel to Panama for three weeks and return home. The coverage continues no matter how many times you return home as long as each trip does not exceed the allowable period (usually 30 to 90 days). These plans must be purchased on an annual basis, and they require you to have health insurance in the United States.

Multi-trip coverage makes sense (and is usually more cost effective) if you travel frequently and do not want to purchase a single policy each time you go on an international trip. However, if you do not have medical insurance in the U.S., you will not be covered under multi-trip plans.

Do I need to have primary health insurance in the U.S. to be eligible for travel medical insurance?

The answer to this question is: maybe. It depends on the type of coverage you have. If your single-trip plan refers to your medical coverage as primary, you don’t need another health insurance policy. However, if the coverage provided under your single-trip plan is secondary, then you must have primary health insurance.

As noted above, all multi-trip plans require that you have primary medical insurance coverage in the U.S.

» Learn more: What to do if you get sick while traveling overseas

You can search for medical travel policies on insurance comparison sites like Squaremouth (a NerdWallet partner), InsureMyTrip or Travel Guard . Policies differ by state, and availability may change during or after the pandemic, so verify that the state you reside in offers travel medical insurance in light of coronavirus.

You might already have some travel medical insurance from an existing credit card in your wallet. If your limits are sufficient for your risk tolerance, you might forego purchasing a separate travel medical insurance policy or plan.

Let's take a look at the Chase Sapphire Reserve® coverage, for example. It offers emergency medical coverage up to $2,500 (maximum $10,000 per trip) with a $50 deductible. This card has an annual fee of $550 .

In contrast, the policies we've discussed above, offer medical coverage from $50,000 to $2,000,000. That's significantly more coverage from the third-party option.

So if you want a higher limit — even if you have a premium travel credit card with existing medical coverage — purchasing a complementary plan may make sense.

This can be especially true if you are traveling in a country with expensive healthcare, will be traveling in remote or rural areas, or will be participating in higher-risk adventures.

Credit card travel medical insurance coverage doesn't always include pre-existing conditions. Check your terms.

If that $550 annual fee makes you cringe, consider the Chase Sapphire Reserve® 's 'little sibling' card, the Chase Sapphire Preferred® Card has similar, but fewer, benefits but for a more moderate annual fee of $95 . It offers identical travel medical insurance.

Chase Sapphire Preferred® Card

If you plan on traveling and your existing medical insurance will not cover you in the country you are traveling to, buying a travel medical insurance plan could make sense. You could either purchase a comprehensive travel insurance policy or one that only provides medical coverage.

Purchasing a policy strictly for travel medical insurance is a good idea for those who want emergency coverage while traveling but:

Have a premium travel card that already provides trip cancellation and trip delay coverage the individual deems sufficient.

Do not need trip cancellation, trip delay or the other benefits provided by a comprehensive policy because the traveler will remain in one location for a while and is not worried about a canceled trip.

If you do not have a travel card with trip cancellation benefits and you also want emergency medical coverage, then you’re better off with a comprehensive travel insurance policy.

The cost of the policy varies based on a number of factors including:

The country you’re going to.

The state you’re from.

Coverage provided.

NerdWallet conducted a full analysis of medical travel insurance costs and found that it’s typically 7% of your overall trip cost. For example, travel insurance will cost you an additional $140 (roughly) for a $2,000 trip.

Here's a closer look at medical benefits provided by some standalone travel insurance providers. Note that these plans typically include other non-medical only travel insurance benefits.

Travelex: Travel Select

The Travel Select plan from Travelex breaks its medical travel insurance into two separate categories:

Emergency medical expense : $50,000 (with a dental coverage sublimit of $500).

Emergency medical evacuation and repatriation of remains : $500,000 (with an escort coverage limit of $25,000).

If you purchase the plan within 15 days of the initial trip payment, your coverage will also include a pre-existing medical condition exclusion waiver.

Seven Corners Trip Protection Choice

The Seven Corners Trip Protection Choice plan includes more coverage than its Basic counterpart.

Emergency accident and sickness medical expense: Up to $500,000 Primary Coverage.

Emergency dental: Up to $750.

Medical evacuation and repatriation of remains: Up to $1 million. This includes emergency medical evacuation, medical repatriation and repatriation of remains coverage.

If you encounter a medical emergency while traveling, contact your travel insurance provider about how to proceed.

You will likely need to pay for your medical expenses using your credit card and subsequently file a claim for reimbursement with the insurer.

Some coverage (e.g., emergency evacuation) may need to be arranged by your travel medical insurance provider to be eligible for reimbursement.

In all instances, it's best to contact your insurance provider before making any arrangements or paying any bills.

Terminology

Similar to your regular health insurance, travel medical coverage also comes with limits, exclusions and deductibles.

Exclusions are specific events that are excluded from coverage. For example, some plans may exclude coverage for activities (e.g., skydiving) that are deemed risky. Check the policy to make sure that the activities you plan to partake in are not excluded.

Limits are monetary caps on coverage. For example, the policy may cover emergency dental treatment but only up to $500 worth. Anything over that maximum you would be responsible for paying.

A deductible is an amount you need to pay before your policy will reimburse. For example, if you have a policy with a $250 deductible and you submit claims for eligible expenses totaling $400, the insurer will reimburse you only $150. Policies can often be customized to increase or decrease the deductible.

The lower the deductible, the more expensive the policy and vice versa.

Long-term travel medical insurance options for expats

Individuals who live or work abroad and spend a considerable portion of the year living outside the U.S. are eligible for a travel health insurance plan that provides coverage for routine medical care. These policies are different from travel medical insurance, which is meant to cover only emergencies.

Long-term international travel health insurance plans usually have higher limits than travel medical insurance policies and are available on a long-term basis only (one year or more).

The policies are only available for one year or longer and have high maximum limits of $1,000,000 to $8,000,000. The plans are customizable and allow you to receive worldwide medical treatment.

For the most part, your U.S.-based medical insurance provider will not cover your medical treatment when you’re abroad. If you want peace of mind while you’re on a trip away from your home country, a travel medical insurance plan is your best bet.

Anytime before your trip begins.

Generally, the emergency medical insurance coverage on credit cards offers fewer protections and lower limits than a stand-alone policy. For example, the Chase Sapphire Reserve® offers emergency medical coverage up to $2,500 with a $50 deductible. The policies we looked at above offered medical coverage from $50,000 to $2,000,000. If you want a higher limit, you may want to purchase a travel medical insurance policy.

It depends on the type of coverage you’re looking for. Generally, if you’re only concerned with emergency medical benefits and don’t need trip cancellation, trip delay, rental car coverage or any of the other benefits provided by a comprehensive travel insurance plan, a medical plan should be enough for you. There is no one-size-fits-all answer, and your particular circumstances determine which policy is most suitable.

Yes. Travelers can purchase medical-only travel insurance coverage, and on the bright side, this type of plan is often more affordable than comprehensive policies. In 2023, travelers spent an average of $96 on medical-only travel insurance, versus over $400 on average for comprehensive plans, according to Squaremouth.

Generally, the emergency medical insurance coverage on credit cards offers fewer protections and lower limits than a stand-alone policy. For example, the

Chase Sapphire Reserve®

offers emergency medical coverage up to $2,500 with a $50 deductible. The policies we looked at above offered medical coverage from $50,000 to $2,000,000. If you want a higher limit, you may want to purchase a travel medical insurance policy.

Travel health insurance can protect you if you experience an unexpected medical emergency during a trip. Although this is a topic no one wants to think about, it's important to know your options.

Depending on the coverage you’re looking for, you can either pick a stand-alone medical policy or get a comprehensive travel insurance one. Deciding what policy is best depends on your situation and any additional protections you may already have through your premium travel credit card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ 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 Chase's website

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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