travel insurance one off trip

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

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 Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

Carry-on Luggage and Personal Item Size Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

The Best Way to Renew a Passport in 2024

The proposed online passport renewal system is behind schedule.

The Best Carry-on Luggage of 2024

Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson

Discover the best carry-on luggage for your unique travel style and needs.

How does single trip travel insurance work?

Who needs single trip travel insurance.

• Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip 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 insurance products to write unbiased product reviews.

• Single trip travel insurance covers unexpected costs incurred during a trip.
• Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
• Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide on the best cancel for any reason travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller, vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

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

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

**Enrollment required.

• Main content

The best travel insurance policies and providers

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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?

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?

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?

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

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 .

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, single trip travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Our single trip travel insurance is tailored to your plans, covering anything from a short UK break to a whole year of exploring the world. It’s quick and easy to get a quote and we have no upper age limit.

What is single trip travel insurance and how does it work?

Our single trip travel insurance is for a one-off trip of up to 365 days and can include multiple countries. It’s there to cover you if something goes wrong before or during your trip. Helping with medical care if you have an accident or replacing stolen property, which could leave you facing high costs if you don’t have insurance.

Gov,uk estimates the cost of needing surgery and flights back to the UK after a quad bike accident in Greece, at £30,000 without insurance.

How does our travel insurance for a single trip work?

• Packed full of benefits as standard: Our single travel insurance policies include over 100 sports and activities . As well as cover for unexpected cancellation of your trip, medical and hospital expenses and personal belongings. Plus, our 24-hour emergency assistance team is available to call, day or night
• Only pay for the cover that you need: Single trip travel insurance is what most people need for a one-off trip. It covers one holiday, on specific dates and to specific countries, so you’ll only be paying for the cover you need. However, if you’re going away more than once this year, an annual travel insurance policy could save you time and money
• Cover multiple countries on the same trip : As long as you’re visiting them on one trip, you can include multiple countries. Plus, we can cover UK trips too, as long as you have accommodation booked
• Choose the level of cover that’s right for you: Our Budget, Silver, Gold and Black levels offer different amounts of cover and excess. This means there’s an option for you, even if you’re looking for cheap single trip travel insurance
• No upper age limit: We think everyone should have a chance to enjoy a trip away, so we offer travel insurance for single trips, no matter your age *
• For trips up to 365 days long: Cover a trip of any length from one night to a whole year with a single trip insurance policy
• Policies to suit your trip and your group: We can cover solo travellers, groups and couples. As well as offering single trip family travel insurance . We will consider any pre-existing medical condition if you declare it before purchasing your policy. From cruises to business trips , extreme sports to skiing , we have a range of add on options to suit your trip

*Note: While our single trip travel insurance policies have no upper age limit , our Winter Sports additional cover can only be used by those under 65. 

The excess and cover will vary depending on the policy level purchased. See our policy wording for full details and terms and conditions.

What does InsureandGo’s single trip travel insurance cover?

Discover the benefits that we cover as standard with our single trip travel insurance policies, along with a variety of add on options:

What’s covered?

All our single trip travel insurance policies include trips of up to 365 days and we’ll cover travellers of any age . Our policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night

Travelling to multiple countries on one trip? Just declare  all the countries you’ll be travelling to. We can cover trips in the UK too, as long as you have booked accommodation

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of single trip travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our single trip travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

The best single trip travel insurance for your needs

Looking for the best single trip travel insurance? Whatever you’re planning for your trip, we have a range of cover to suit you:

• Extreme sports and hazardous activities : Our standard policies already cover over 100 activities . If you’re planning something a little more adventurous, our optional hazardous activity cover is for you
• Cruises : If you’re going on a cruise, you may face problems not seen on other holidays, such as cabin confinement and missed port departures. Our add on cover includes a range of issues you might experience on a cruise
• Winter sports : Whether skiing, snowboarding or ice fishing is your thing, add our optional winter sports cover. Available if you’re under 65 and for trips of up to 365 days
• Business travel : Including replacing essential equipment that’s lost, stolen or damaged. As well as emergency courier expenses to get it to you fast

Be sure to read our policy wording , to find out more about any of these options.

Which destinations are covered by our single trip travel insurance?

Whether you’re planning an exotic beach holiday in the Caribbean or a tour of Italy’s best eateries, we can cover you:

• We can provide single trip travel insurance for all countries, unless the FCDO has advised against all or all-but-essential travel. We can provide some cover if the FCDO advise against travel is only due to Coronavirus, see our page about Coronavirus travel insurance for more details
• Trips to multiple countries: Visiting more than one country on a single trip? No problem! Just let us know where you’re going and we will send you a quote. You can add up to 10 countries when getting a quote online, or contact us if your adventure includes even more destinations
• UK trips : Our travel insurance for single trips can include holidays in the UK, as long as you’ve booked overnight accommodation. Even if it’s just for one night!

How to book our single trip travel insurance

Book single trip travel insurance fast with two simple steps:

1. Tell us where you’re going, who you want to cover and some details about any pre-existing medical conditions

Do this online now or give us a call:

2. Get your quote and your cover

Receive your quote and you can decide to either purchase your insurance policy straight away or save it for later.

“Holidays are the highlight of our year, but sometimes things can go wrong. Buying  a travel insurance policy will cover you for those unexpected events. Whether you need medical assistance while away or your belongings are stolen. Our single trip travel insurance policies include cover for over 100 sports and activities , as well as a range of other benefits.” Lydia Crispin – Travel insurance expert

Single trip travel insurance with pre-existing medical condition cover

We will consider any pre-existing medical condition, just be sure to declare it before purchasing your policy. Our online medical screening process is simple and we’ll quickly be able to give you a quote. We may be able to include your pre-existing medical condition at no extra cost, but there could be an additional premium.

If you don’t declare your pre-existing condition you won’t be covered for claims relating to it, should anything happen. For more information, have a look at our pages about travel insurance for medical conditions , including:

• Travel insurance with diabetes
• Travel insurance with heart conditions
• Travel insurance with epilepsy
• Travel insurance with cancer
• Travel insurance with asthma

Read our policy wording to understand what is and isn’t included in our insurance for pre-existing medical conditions.

Frequently asked questions on single trip travel insurance

Does my single trip travel insurance cover covid-19.

Yes, all our travel insurance for single trips covers Covid-19 if;

• you have had the first 2 doses of the Coronavirus vaccinations as recommended by the UK NHS, and are up to date with each Coronavirus booster vaccination for which you are eligible, or you were medically unable to have the vaccinations as evidenced by your medical records; and
• you are travelling to a country or area where the FCDO/WHO are not advising against all or all but essential travel due to the Coronavirus pandemic.

This means that if you catch Coronavirus you’ll be covered to cancel your holiday, or to receive medical treatment abroad. You’ll also be covered if you, or someone you’re travelling with, is personally instructed to isolate. Read our page about Coronavirus travel insurance for more details.

When should I start my single trip travel insurance?

When buying insurance for a one-off holiday, you should enter the dates you’ll be leaving and returning to the UK. You’ll be covered for unexpected cancellations from the time you pay for your policy, even if the travel dates are months away. This means you are free to look forward to your holiday knowing you’re covered!

Can I get one day travel insurance?

Single trip travel insurance can cover trips from one night to 365 nights! Providing cover for medical expenses, personal belongings and over 100 sports and activities .

Even if you’re just staying in the UK, travel insurance will cover you as long as you have overnight accommodation booked. Check the policy wording to see the full terms and conditions, including excess, the amount of cover available and what is and isn’t covered.

Does single trip travel insurance cover cancellation?

All policies include cover for cancellation of your trip under certain circumstances out of your control. There may, however, be some exclusions. For example, you won’t be covered if you just decide you don’t want to go. Likewise, you won’t be covered for cancellation due to something you were aware of before buying your insurance or booking your trip. 

Make sure you read the relevant policy wording for full details on what is and is not covered.

Is annual travel insurance cheaper than single trip?

If you’re planning on going away more than once this year, an annual multi-trip travel insurance policy could save you time and money. It will cover you for any trips you take within 12 months in a certain region. It will mean you don’t have to take out separate cover for every trip. Plus it’s often cheaper than taking out two or more single trip travel insurance policies.

Does single trip travel insurance cover multiple countries?

Yes! Let us know your travel dates, and the countries you’ll be visiting, and we’ll offer you a range of single trip travel insurance cover tailored to your plans. 

If you’re planning to visit up to 10 countries on one trip, you can get a quote online . If you have more than 10 on your itinerary, give us a call .

Do I need single trip travel insurance if I have a GHIC/EHIC card?

The EHIC and GHIC entitle the holder to medical treatment at the same price as residents within certain countries. This often means free or reduced costs. However, it won’t cover all medical expenses such as if you’re transported by private ambulance to a private clinic. It also doesn’t cover repatriation to the UK.

The EHIC/GHIC doesn’t work in all countries. It also won’t provide cover for cancellation, lost personal belongings or delayed departure, if something else goes wrong. So it’s always advisable to take out adequate travel insurance as well.

 Are there holiday length restrictions on single trip travel insurance?

Single trip travel insurance covers you for one period away from home – beginning when you set off on your journey and ending when you get back home. A single trip can be anything from one to 365 nights away. It can even be as short and as local as a one-night stay in the UK, as long as you’ve booked accommodation.

Who can buy an InsureandGo single trip travel insurance policy?

All our single trip travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.  Get a quote online or browse our policy documents for more information.

Travel insurance guide

Frequently asked questions.

If you’ve got more questions about how our single trip travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

• 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

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best Annual Travel Insurance in 2024

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 you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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 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.

• Skip navigation
• Find a branch
• Help and support

Popular searches

• Track a parcel
• Travel money
• Travel insurance
• Drop and Go

Log into your account

• Credit cards
• International money transfer
• Junior ISAs

Travel and Insurance

• Car and van insurance
• Gadget insurance
• Home insurance
• Pet insurance
• Travel Money Card
• Parcels Online

For further information about the Horizon IT Scandal, please visit our  corporate website

• Single Trip Travel Insurance

Single-trip travel insurance

No age limit and all medical conditions considered

Kids go free on family policies(1)

Flight Delay Assistance Plus – available on our premier policies

Off on your travels? Pack our single-trip travel insurance

Wherever you’re travelling to and however long you're going for, don't forget about your travel insurance. It might not be the most exciting thing to think about but it's just as important as your passport and travel tickets.

Single-trip travel insurance is suitable cover for you if you're about to go away on just one trip. Any more than that and you may be better off with annual multi-trip travel insurance .

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our single-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Cancellation and cutting short your trip

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Missed departure (3)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

You’ll also get protection for any unexpected legal costs you might be charged while you’re away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does single-trip travel insurance cover covid-19.

Policies purchased from the 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment if needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies but, for extra reassurance, you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there is no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption cover upgrade . You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What’s covered with single-trip travel insurance?

With single-trip travel insurance, you’re covered for a range of issues that might happen while you're away. These include medical expenses, cancellation or cutting short your trip, plus the loss of your belongings. But check the policy details before you decide on which cover to get. The amounts and things you're covered for a will depend on the level of cover you take out. Take a look at our policy document to find out which one best suits your needs.

Does single-trip travel insurance cover cancellation?

Yes, your single-trip travel insurance policy will cover you if your trip's cancelled or cut it short, for some situations. These can even include cancelling or shortening a trip due to coronavirus, in some cases. You’ll find full details of what’s covered and what isn’t in the policy wording .

Will I need extra cover with single-trip travel insurance?

It depends on what level of cover you need for your trip. The level of cover you have with a single-trip policy is the level you chose when you applied for the travel insurance.

It’s a good idea to list out the cover you think you might need while you’re away. That makes it easier to compare policies to find the one that’s right for you.

For instance, some policies include cover against the impact of Covid-19. But you might want to add extra protection in case the virus causes you to miss a departure or other delays. Check our new trip disruption cover upgrade for further information on how we can help.

Some activities require mandatory additional cover. If you’re going skiing or on a cruise, you’ll need to take out extra specialist cover. That’s because these types of trips involve a different level of risk for insurers. Please be aware that these covers will add an extra cost to your insurance package.

There are some adventure sports and activities that are covered as standard on our single-trip travel insurance and others that aren’t. It’s important to fully understand your policy document so you don’t become involved in something that you’re not covered for.

What are the advantages of single-trip travel insurance?

If you don't travel too often – perhaps only once or twice a year – then you might want to take out a single-trip policy. If you're taking a single trip of lasting duration (up to 365 days(7)) then a single-trip policy can cover you too. Terms and conditions apply.

If it's likely you'll take more than one trip in a year, Post Office Annual Multi-trip Travel Insurance may be a more cost-effective way for you to get covered.

What different cover levels are there for Post Office single-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier. With our premier policy, there's complimentary airport lounge access if your flight's delayed for one hour or more (8).

When is the best time to start my single-trip travel insurance?

It’s often best to buy single-trip travel insurance as soon as you book any part of your trip. Cover for cancellation won’t begin until you buy it. The start date needs to be the start date of your trip, but by taking it out straight away, should something happen between now and the start of your trip, you can be covered for cancellation in some circumstances. It’s another thing sorted and out of the way, and one less thing to forget as you get nearer to your trip and things get busy.

How much is single-trip travel insurance?

The price you pay for single-trip travel insurance really depends on what you need your policy to cover. When you get a quote from Post Office we’ll ask what level of cover you need for all of the things you might like to protect, or issues you may want to safeguard against, when the time comes to travel. So we’ll work out a competitive price for that cover based on the options you choose.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (7)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

Related travel guides and services

Ready to jet off on a much-needed break but worrying about what you can take ...

Most of the time, getting a flight is a hassle-free event. If you only take ...

Whether you’re heading to the beach for a much-needed break or boarding a boat ...

The opportunities to combine business and leisure have never been greater. You ...

It’s your holiday too, and good preparation can take some of the worry out of ...

If you’re jetting off to Japan soon make sure you have good travel insurance to ...

How safe is South Africa to visit and why is having travel insurance important ...

Find out what medical care Brits can access in New Zealand and travel risks to ...

Learn about the different types of travel insurance available from Post Office, ...

Finding out that your airline or holiday company has gone bust is a shock – ...

Travelling solo means freedom and independence, making new connections and ...

Exploring the globe can be scary, but there’s so much to find at the edge of ...

There’s nothing worse than falling ill while away from home. Along with the ...

If you're the type of sunchaser who looks forward to that sizzling summer ...

It’s one of the most popular holiday hotspots for UK holidaymakers. But what ...

So, you’ve booked your flights, accommodation and activities. What next?

There’s no better feeling than planning an amazing trip to an exotic ...

With the winter sports season upon us, we conducted a Winter Sports Survey for ...

If you're travelling to an EU country from the UK, make sure you take a Global ...

Do you need travel insurance for your trip? Is travel insurance worth it? And, ...

Travel’s a great way to unwind, see the world, open the mind and expand ...

People flock to the Canary Islands from all over Europe. No wonder, with such ...

Greece and the Greek islands have long been a popular travel destination for us ...

We all know the feeling – getting to the airport, then a wave of panic comes ...

It's a proud feeling when children turn eighteen and start holidaying on their ...

If you're travelling abroad as a family, it makes sense to take out insurance ...

Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying ...

You should be able to get the right cover to travel abroad if you’re diabetic, ...

Enjoy that precious time away with your grandchildren, and take some of the ...

The whole idea of lounging around on the beach is to switch off and enjoy the ...

The status of Schengen visas for international students resident in the UK is ...

Every year, millions of holidaymakers from the UK head to Spain for its ...

A trip to Turkey offers toasty beaches and tourist treats aplenty. No wonder ...

The famous cliché of America is that it's big. And it is. Across its six time ...

Heading down under for a trip to or around Australia? Make sure you’ve got the ...

Holidays for teenagers can take some imagination to make sure they’ve got the ...

Taking your best friend on holiday with you is everyone's ideal situation, but ...

Satisfy your travel craving while making your holiday budget go further. We’ve ...

Perched on the northern tip of Africa, Morocco’s long been a popular ...

It may be a short hop away, but a trip to France is not without its travel ...

Canada is a vast country of diverse delights – everything from bustling cities ...

For many UK holidaymakers, India is an intriguing and diverse culture with ...

Thailand’s idyllic beaches, azure-blue sea, buzzing cities and exciting ...

Adventurous holidays can take many forms, from action-packed itineraries in ...

Whether you’re travelling solo because of business, you’re hoping to meet ...

The white stuff is alluring, so make sure you can enjoy it safely, are ready ...

Today, Cuba is more accessible than it has been for many decades, and those who ...

Do UK residents need travel insurance for Ireland? And what healthcare is ...

Planning on living the high life with a trip to the UAE’s iconic mega-city, ...

Booking a last-minute holiday can get the blood pumping with the sudden thrill ...

Find out about medical care available to Brits in Mexico, as well as travel ...

Find out about the safety of travelling to Italy as well as the medical care ...

Make sure you’re travelling safely in Egypt with the latest advice and risks, ...

From airboarding to snow-tubing, here's our list of unusual winter sports ...

For your first time on the slopes, preparation can help you get the most out of ...

Some vaccinations for Thailand are recommended and some are mandatory in ...

There are several ways to get to the top of the class on your flight – whether ...

ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure ...

Over 60 million people travel from the UK most years for holidays or business. ...

The last thing you want to happen on holiday is standing the luggage carousel ...

Having your son or daughter go on holiday without you for the first time can be ...

Going backpacking is one of life’s great adventures. But before you set off ...

The arrival of Airbnb has helped to transform the travel industry in recent ...

A ski packing list has the potential to run to many pages. With a bit of ...

If you're living with cancer but love to travel, can you get travel insurance ...

Travelling with high blood pressure is fine – but it’s important to make sure ...

As you get older, being able to go where you want when you want is all part of ...

In an average year, millions of Britons go abroad without the right travel ...

Lots of people who need assisted travel at airports are missing out simply ...

Learn the difference between embassies and consulates, and why you might need ...

Travel insurance for a holiday in the UK isn't something you must have, but it ...

With festivals overseas becoming the new norm, festivalgoers need to do a bit ...

Dark mornings, cold hands, heating bills and chapped lips are among the most ...

Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after the 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above

(8) You need to register your flight online at least 24 hours before your scheduled departure time. Your free lounge access or ability for a monetary cash value will become available on the announcement of a minimum one-hour delay, this can either be announced as one single period of delay or reached as a consequence of multiple incremental shorter delays provided that your flight departs from an airport terminal with a lounge that's part of the LoungeKey network.

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

Is travel insurance worth it?

The right policy can protect your wallet, your belongings and your peace of mind..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

You might have planned your next vacation, but consider travel insurance before you start packing. A comprehensive policy can protect you if the unexpected happens before or during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, president of Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against travel risks."

A policy doesn't have to be expensive, according to Godlin, and it can add a layer of protection and security.

Getting travel insurance

How do i get travel insurance, what does travel insurance cover, how much does travel insurance cost.

• Bottom line

There are many options in the travel insurance marketplace: Aggregator site Squaremouth lets you get price quotes from different carriers and, because it receives a commission from the insurance companies on its site, users aren't charged any additional fees.

Allianz has both single-trip and annual plans, with a Cancel For Any Reason (CFAR) policy that reimburses up to 80% of prepaid, non-refundable expenses — more than most similar plans on the market.

In addition to trip cancellation, Allianz's popular OneTrip Prime plan includes travel interruption, emergency medical care and emergency transportation. Children 17 and under are covered for free when traveling with a parent or grandparent.

AIG's Travel Guard® plans are great if you need to customize your coverage: The mid-range Travel Guard Preferred plan pays out 100% for trip cancellation and 150% for trip interruption, with up to $50,000 in coverage for medical expenses and up to $500,000 for emergency evacuation. There's even a payout of up to $1,000 if you miss your connection.

Travel Guard® Travel Insurance

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

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

If you're booking a trip with an aggregator site like Expedia , review the details of any travel policy that's offered. Plans are usually based on the elements of the trip (hotel, flight, rental car, etc.) and can differ every time you book.

Travel insurance typically costs between 4 and 10% of the overall price tag for your trip. The cost can vary:

• Plans with higher limits and more optional coverage cost more.
• A plan with a CFAR benefit can cost up to 40% more.
• Older travelers typically pay more because there's more of a likelihood of a claim being filed. 

Whichever plan you choose, read the fine print so you understand what you're paying for.

Travel insurance generally covers your expenses, your belongings and your well-being. When shopping for a policy, look for these benefits:

Trip cancellation

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses. Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.

Cancellations can also be covered if a natural disaster, severe weather or airline strike prevents your carrier from getting you to your destination for at least 24 hours.

Cancel For Any Reason (CFAR) plans provide a lot more flexibility and typically reimburse 50% to 75% of your expenses. But they can bump up the cost by about 40%, said Durazo, and policyholders are still usually required to cancel no later than 48 hours before their scheduled departure. 

Trip delay 

Should you experience a hiccup in your plans, your policy can provide some relief: Food, lodging and local transportation are usually covered if a delay is due to severe weather, airline maintenance or civil unrest.

"For a traveler to be eligible, they must be delayed for the minimum amount of time listed on their policy," Squaremouth spokesperson Megan Moncrief said. "Some policies are very lenient and provide benefits for any length delay, while others list a length requirement — usually somewhere between three to 12 hours."

Daily payout limits range from $150 to $250 per traveler, Moncrief said, while the total policy limit can be anywhere from $500 to $2,000. Save any receipts to submit with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption

Should you need to cut your trip short due to illness or injury, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeited.

It may also cover the cost of a one-way economy airline ticket home.

Baggage loss

Airlines are required to compensate passengers luggage lost in transit, but a travel insurance policy may have a higher benefit limit, and cover you if your bags, passport or other possessions are lost, damaged or stolen once you've gotten to your destination., The Platinum plan from AXA Assistance USA has a $3,000 benefit limit for lost luggage, well beyond the $1,700 that airlines are required to cover on international flights. AXA has offices in more than 50 countries, with multilingual operators available 24 hours a day to help reschedule flights, book hotels and make other arrangements.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel insurance doesn't cover every loss: Cash is not reimbursable and many policies won't reimburse for expensive jewelry or heirloom items. Read your policy carefully to see what is included.

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said. 

The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S. standards.

An emergency medical evacuation can be a major expense, costing anywhere from $15,000 to over $200,000, Durazo added.

If you've spent money on nonrefundable airline tickets, tours and hotels, you could be at a loss if something goes awry. Travel insurance covers numerous scenarios, from a medical emergency to a tropical storm. It could be particularly useful if:

• You've spent a lot on prepaid, non-refundable expenses
• You're traveling internationally where your health insurance won't apply
• You're traveling to a remote area
• Your flight involves multiple connections or destinations

"When deciding if travel insurance is right for you, ask yourself how much you could stand to lose if you had to cancel at the last minute," said Godlin.

If you're not as concerned about risk, your credit card may offer built-in travel protection if you book with that card: Chase Sapphire Preferred® , Southwest Rapid Rewards® Plus Card and the  *American Express® Gold Card all come with trip cancellation and interruption coverage, among other benefits.

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

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℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

Research your card's travel benefits before making any purchases related to your trip.

Policies vary, but most comprehensive travel insurance plans cover travel cancellation and interruption, baggage loss, medical care and emergency transportation.

While the price for coverage varies, most policies cost between 4% and 10% of the trip's prepaid, non-refundable expenses.

When should I get travel insurance?

It's best to take out a policy within days of making your reservations.

Does travel insurance cover COVID-19?

If you contract COVID-19 before or on your trip, it may be covered by your policy's trip cancellation/interruption benefit . You'll likely have to confirm your test results with a diagnosis from a healthcare provider.

Bottom line 

Travel can be a wonderful experience, but it involves a lot of time, planning and money. Missing a single connection can have a cascade effect that impacts your flight, hotel room, dinner reservations and more. A good travel insurance policy can provide peace of mind so you can focus on your vacation.

Compare and find the best life insurance

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

Meet our experts

At CNBC Select, we work with experts with specialized knowledge and authority. For this story, we interviewed Beth Godlin, president of Aon, which provides custom travel insurance for tour operators, cruise lines, travel websites and others. We also spoke with former Squaremouth Megan Moncrief and Allianz communications director Daniel Durazo.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance article is based on rigorous reporting by our team of expert writers and editors . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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

For rates and fees for the American Express® Gold Card , click here .

• 3 best Chase balance transfer credit cards of 2024 Jason Stauffer
• AIG Travel Guard insurance review: What you need to know Ana Staples
• Here are the 8 best password managers Ryley Amond

June 1, 2020

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

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

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

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

Safer travel starts with travel protection

If you are a travel agent or were referred by one, enter the ACCAM number below.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

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

Entry Requirements & COVID-19 Travel Resources 

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

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

Why do I need travel insurance?

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

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

Travel delays leave you stranded.

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

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

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

Fender-benders are unavoidable.

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

You need help in a hurry.

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

Why go with Allianz Travel Insurance?

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

We're Protecting You

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

We're There For You

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

We're Built For You

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

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

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

More Travel Resources »

LATEST COVERAGE ALERTS

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

More Coverage Alerts »

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

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

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

How Much Does Travel Insurance Cost?

Find a Qualified Financial Advisor

Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Start your search now.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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

• The average travel insurance premium this week is $284.68, about the same compared to last week.
• For travel in the United States, the average premium is $92 to $400.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $284.68
• Average trip cost: $6,819.26
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Protect Your Trip »

The 18 best places to see the northern lights.

Check the aurora borealis off your bucket list.

The Best Places for the Northern Lights

Getty Images

The northern lights, known as the aurora borealis, are a spectacular natural light show visible at certain times of the year in the Northern Hemisphere. They occur when electrically charged particles from the sun collide with gases in the Earth's atmosphere, creating vibrant streaks of blue, green, pink and violet dancing across the night sky. 2024 and 2025 are an excellent time to catch the northern lights: Solar activity will be at a peak, making for a more impressive experience, if you're in the right place.

The best places to see the aurora borealis have little light pollution, clear skies and no precipitation. The lights are only visible at northern latitudes when it's dark outside, so the months from September to April are best for seeing the aurora. There's also a Southern Hemisphere counterpart, the aurora australis; there are fewer easy spots from which to view this phenomenon, but if you're lucky, it can be equally brilliant.

For more information on the northern lights, scroll down to the FAQ section at the bottom of this page. Read on to discover the top destinations where you can see the kaleidoscopic northern and southern lights.

Fairbanks, Alaska

Fairbanks is by far one of the best places in the world to view the northern lights, as it's located directly under the auroral oval. This ring-shaped zone sits around the Earth's geomagnetic North Pole and is generally associated with the most vibrant aurora sightings. Visitors can expect to see the lights on an average of four out of five clear nights during aurora season, which lasts from late August to late April.

You can book a northern lights tour to see the aurora from the springs and tubs at Chena Hot Springs Resort. This excursion includes round-trip transportation to the resort from town, a soak in the hot springs, a visit to the Fairbanks Aurora Ice Museum and an aurora viewing tour; dinner and drinks centered around Alaska produce are an option extra with hot drinks supplied.

There's more to Fairbanks than just the northern lights: If you visit in late summer, consider family-friendly activities like a ride on the Riverboat Discovery or gold panning. For a festive holiday experience in the winter, head around 15 miles out of Fairbanks to visit the Santa Claus House in the city of North Pole. Travelers can also see ice sculptures in February and March at the impressive World Ice Art Championships or take a dog-sledding or snowmobiling tour .

Where to stay: For excellent chances of aurora viewing, book a private igloo at Borealis Basecamp, a top glamping resort located on 100 remote acres of boreal forest about 25 miles from Fairbanks. With activities like dog-sledding on top of aurora viewing, past visitors regularly describe it as a once-in-a-lifetime experience.

Tromsø, Norway

Located about 220 miles above the Arctic Circle, Tromsø is one of several top spots to view the northern lights in Norway. At the darkest point of the aurora season – which runs from September to early April – the sun doesn't rise in this northern part of the country, although there is twilight during the day. With this level of darkness, there are more opportunities to see the aurora.

Tromsø itself is a small but lively city, so there's plenty to see and do when you're not looking up at the sky, including a visit to the beautiful Arctic Cathedral. In late January to early February, the city hosts the Northern Lights Festival, a 10-day music and performing arts event featuring a variety of musical genres.

Aurora chasers can view the lights on their own while in town, but to get a better view, it's recommended to head away from the city lights. Arctic Circle Tours is one company offering guided trips, with small groups for a more personal vibe. Alternatively, adventure-seekers can embark on an exhilarating husky trekking expedition in the Arctic wilderness.

Where to stay: For accommodations with harbor views, look no further than the Scandic Ishavshotel – guests love it for its convenient central location in the city, as well as its plus-sized breakfast buffet with plenty of choices.

Luosto and Rovaniemi (Lapland), Finland

Lapland is located within the Arctic Circle in the northernmost part of Finland. The northern lights are most visible here between the end of August and April – and approximately 200 times a year – so there are many opportunities for aurora spotting. Finnish Lapland is also known as home to the Sámi people (the only recognized Indigenous group in the European Union region), some 200,000 reindeer and Santa Claus – who can be visited in the town of Rovaniemi, the region's largest city and a great base for your aurora expedition.

Consider venturing roughly 70 miles north of Rovaniemi to the resort town of Luosto, set among the picturesque and hilly landscape of Pyhä-Luosto National Park. Here, you can also spend a magical evening outdoors under star-filled skies during a reindeer-drawn sleigh ride through the snow-covered forests. Jaakkola Reindeer Farm offers a reindeer sleigh tour to spot the aurora once weekly; it includes a stop to warm up at a bonfire camp with snacks, hot beverages and local fireside stories.

Where to stay: For a bucket list experience, watch the impressive light show from a glass igloo at Santa's Hotel Aurora & Igloos in Luosto. Past visitors love the cozy atmosphere here, boosted by amenities like saunas and log fireplaces. If you're sticking to Rovaniemi, the Arctic TreeHouse Hotel is a stunning choice, with designer cabins perched among the snow-covered taiga forest.

Orkney, Scotland

This group of captivating (and mostly uninhabited) islands, located about 10 miles off Scotland's remote northern coast, is one of the best places to see the northern nights in the U.K. Fall and winter are the best seasons to witness the aurora, also known in local Shetland dialect as the "Mirrie Dancers," with fall bringing the highest proportion of clear nights. A few places to see the spectacular light show include along the coast at Birsay or the Broch of Gurness, an archaeological ruin on a sweeping and dramatic coastline.

In addition to the aurora, Orkney is home to breathtaking coastal landscapes and more sheep than you can count (try some local lamb, if you can). Travelers can also visit the Heart of Neolithic Orkney, a UNESCO World Heritage Site with several monuments dating back 5,000 years.

Where to stay: During your visit, plan to stay in the historic town of Kirkwall, the capital of the Orkney Islands: The no-fuss Ayre Hotel offers harbor views, and past visitors compliment the hearty meals in the hotel restaurant. Spot the aurora close to town at Inganess Bay and Wideford Hill.

Yellowknife, Canada

Yellowknife, the capital of Canada 's Northwest Territories, dubs itself the "Aurora Capital of the World." Thanks to its position in the middle of the auroral oval, the city puts on one of the world's most awe-inspiring light shows. The period from mid-November to the beginning of April is the recommended time to spot the aurora, but it's also possible to see the aurora during more hospitable weather from late summer to early fall as the lights are visible up to 240 days a year.

Located on the northern shore of Great Slave Lake, Yellowknife boasts winter sports such as ice fishing and cross-country skiing. If you visit in March, plan to attend the monthlong Snowkings' Winter Festival, which features events and activities like a snow-carving competition, a snow castle, live music and more.

For a unique experience, book a tour through Aurora Village to view the lights. The property will pick you up from your hotel and take you to its site, where you can stay warm in a tent while sipping hot beverages. The Aboriginal-owned Aurora Village also offers activities such as dog-sledding or snowshoeing excursions.

Where to stay: Warm up in the fireside lounge at The Explorer Hotel in Yellowknife. Previous visitors note the warm and helpful staff as a strength here.

Jukkasjärvi, Sweden

The optimal time for seeing the illuminated skies in the northern part of Sweden, known as Swedish Lapland, is between early September and late March. The small Swedish village of Jukkasjärvi sits around 125 miles above the Arctic Circle on the Torne River and is an ideal locale for aurora viewing. You'll fly to the nearby Kiruna Airport to get here. With the village's origins dating back to the 17th century, you can still find some of the original homesteads, including an old timber cottage. Today the village boasts 800 residents – and more than 1,000 dogs.

Where to stay: If you're up for a chilly overnight adventure, reserve accommodations at the world's first permanent ice hotel, the aptly named Icehotel 365. Each of its artist-designed suites is sculpted from ice with a unique theme and maintains temperatures around minus 5 degrees Celsius (about 23 degrees Fahrenheit). The rooms also feature beds with reindeer hides and thermal sleeping bags so you can bundle up during the night. While you're at the property, take advantage of the guided "Northern Lights Safari on Snowmobile" or embark on the "Moose Safari on Horseback" atop an Icelandic horse.

Reykjavik, Iceland

October through March is the best time to chase the aurora borealis in Iceland . There are numerous natural parks and attractions throughout the country where you can view the show during the long and dark winter, but the capital city of Reykjavik also offers many options for accommodations, restaurants, tours and other activities for your visit. For optimum aurora viewing in the city away from the light pollution, head to Öskjuhlið. This wooded and hilly area in Reykjavik sits at 200 feet above sea level and has walkways and paths where you can see the nighttime show.

Atop this hill sits Perlan, which houses the only planetarium in the country and a museum featuring exhibits about Iceland. Perlan is also home to the world's first indoor ice cave and glacier exploratorium. During your visit, don't miss the panoramic views of the city from the building's fourth-floor observation deck. From this vantage point, you'll be able to see the Snæfellsjökull glacier; Keilir, a volcanic mountain; and Esja, the mountain of Reykjavik.

Where to stay: While in Reykjavik, splurge on an overnight tour with Buubble Tours. This experience includes breathtaking sightseeing spots and a night spent under the magical northern skies in a transparent bubble at the 5 Million Star Hotel. For longer stays, consider the eco-friendly Eyja Guldsmeden Hotel, with sweeping views of the city – guests love it for its cozy yet chic Scandinavian design.

Southern Iceland

While Reykjavik is a great aurora-viewing spot if you like having amenities close by, consider getting out into Iceland's stunning, otherworldly countryside for a unique backdrop for the northern lights. One unique place to see them is the black sand beach at Reynisfjara (but watch out for the dangerous waves here). Alternatively, head to Jökulsárlón, a glacial lagoon and seal habitat, where the aurora's reflections in the icy water are truly beautiful.

There's no shortage of tours that will stop by these locations and more for possible aurora sightings. Consider a 10- or 13-day tour around the country with Fun Travel, or a four-day option from Arctic Adventures. If you want to do things at your own place, it's also possible to self-drive – just know that road conditions can be icy, particularly in the depths of winter (although Icelandic roads are generally well-maintained).

Where to stay: Hotel Rangá is a formidable option for aurora-spotting. It offers a variety of special amenities, such as aurora wake-up calls, a lookout deck and snowsuits to keep you warm if you're outside viewing the lights. Past visitors praise Rangá for being a comfortable yet luxurious place to relax, be it in the outdoor hot tubs or the cozy and sociable bar.

Kangerlussuaq, Greenland

Greenland may not be the most accessible place to travel for viewing the northern lights, with limited flight options (mostly via Iceland), but those who make it here will be thrilled they did. The tundra of Kalaallit Nunaat – the Greenlandic name for the country – is one of the best places on the globe to see the aurora from September to early April.

For the more adventurous aurora seekers, head to the top of the Greenland Ice Cap for spectacular views of the lights. This impressive glacier covers 80% of the country and is accessible via the tiny town of Kangerlussuaq. Located on a fjord right along the Arctic Circle, the town, often described as a gateway to Greenland, was a former U.S. Air Force base and is now home to Greenland's main airport. The town is known for having clear skies on some 300 nights per year, so chances of a sighting are particularly good here.

Tour company Guide to Greenland offers various tours, from two-hour aurora-viewing trips to a tough but rewarding multi-night dog-sledding expedition across the ice. For a less strenuous experience, companies like Nordic Saga Tours offer cruises through the Arctic landscapes around Kangerlussuaq.

Viking cruise along Norway's coast

Courtesy of Viking

Embrace the winter and set sail for the Arctic Circle to experience the aurora in northern Norway. The 13-day "In Search of the Northern Lights" cruise itinerary with Viking departs from London for the North Sea with stops in ports of call that are top aurora-viewing locales, including Tromsø, Alta and Narvik, plus a stop in Amsterdam en route. The cruise ends in Bergen, Norway.

While on land, take in the natural beauty of the snow-blanketed landscapes and book bucket list excursions like a night spent in an igloo or a reindeer sledding adventure. You can also chase the lights into the wilderness by snowmobile, take a dog sled ride under the stars or view them from a Sámi tent atop the mountain Pæska in Alta. This Viking Ocean Cruises itinerary is offered with departure dates from mid-January to mid-March.

Headlands International Dark Sky Park, Michigan

Regarded as one of the top spots in the U.S. to see the aurora outside Alaska, Headlands International Dark Sky Park sits at the top of Michigan 's lower peninsula, less than 5 miles from Mackinaw City. While the northern lights are less common here due to the relatively southern location, the best time to catch a glimpse of this phenomenon is typically during the spring and fall – and appearances can usually be predicted a couple of days in advance. The park even maintains an online Clear Sky Chart so you can check the weather forecast before you go.

There are also other stargazing opportunities throughout the year at Headlands. During the summer months the Milky Way is visible across the sky, and late summer evenings entertain visitors with meteor showers.

Where to stay: If you're visiting between late April and the end of October, splurge on a stay at Mission Point Resort on Mackinac Island, where the aurora should also be visible. Guests describe this iconic property situated along the shoreline of Lake Huron as positively charming, thanks to its historic nature and manicured grounds. The resort also offers a host of outdoor activities from bike rentals to swimming.

Tips on Trips and Expert Picks Newsletter

Travel tips, vacation ideas and more to make your next vacation stellar.

Sign up to receive the latest updates from U.S News & World Report and our trusted partners and sponsors. By clicking submit, you are agreeing to our Terms and Conditions & Privacy Policy .

Voyageurs National Park, Minnesota

Martha Shuff | Courtesy of Voyageurs National Park

Located on the international border between Minnesota and Ontario, Voyageurs National Park is an approximately 218,000-acre labyrinth of boreal forests, lakes and streams. Voyageurs is Minnesota's only national park; it's also unique in that the park's interior is accessible only by boat, unless you visit by snowmobile in winter. As a certified International Dark Sky Park , Voyageurs provides opportunities to view the Milky Way on clear evenings, especially in the summer. Year-round aurora viewing is also possible on evenings with clear dark skies, but chances are better during the winter, when it's dark for longer.

For a guided stargazing tour – including the Milky Way, the constellations and (if you're lucky) the northern lights – book with Voyageurs Outfitters. If you're on your own, park officials note that almost any campsite is a good spot for northern lights viewing and stargazing. You can also check out the boat launch areas around Ash River, Kabetogama Lake and the Rainy Lake Visitor Center for top-notch views.

Where to stay: Those who prefer to sleep in a warm, cozy bed instead of camping under the stars can make reservations at the Cantilever Distillery + Hotel, a boutique Trademark Collection by Wyndham property in the nearby town of Ranier, Minnesota. Visitors report that there's a lot to like here, from the industrial-chic rooms to friendly staff to top-notch cocktails in the active distillery on the premises.

Abisko National Park, Sweden

Given its Arctic location, Sweden is one of the prime spots for aurora viewing in the Northern Hemisphere, with Swedish Lapland at the top of the list. The fall and winter months (from September to March) offer the best opportunities to witness the spectacle, as there is more darkness than light during the days.

If you're up for the Arctic adventure, December is an ideal month to visit Abisko National Park, which some regard as one of the best places on Earth to see the lights dance across the sky. The park's mountainous terrain and clear dark skies offer dramatic front-row seats for viewing the northern lights. The Aurora Sky Station is one of the best vantage points to see the aurora in the park. Join one of the expert presentations to learn about the science behind this fascinating phenomenon.

If you'd prefer to chase the lights with a curated tour, professional photographers and aurora-chasing guides at Visit Abisko lead three- to four-hour tours throughout the fall and winter. If you can, try to join the tours in fall, as this time of year offers a unique opportunity to view the lights both in the sky and reflected in the lakes and rivers, which you won't see in the winter months.

Where to stay: For cozy Nordic vibes, stay at Abisko Mountain Lodge, which also offers activities like ice climbing and snowmobile tours in winter. Guests love the excellent restaurant here, which offers Swedish specialties ranging from salmon to moose.

Nellim, Finland

Courtesy of Wilderness Hotels

Located a stone's throw from the Russian border in Finnish Lapland, this remote Arctic destination is a top-rated locale to view the northern lights due to the lack of light pollution. You'll be seriously out of the way of any built-up areas, as there's not even a paved road into Nellim. The best time to visit is between December and early April. This village is a great place to hunker down in a lodge and relax while enjoying a slice of life in the Finnish wilderness.

Where to stay: The Nellim Wilderness Hotel offers a perfect base with year-round activities, including aurora-chasing tours by car, snowmobile or on snowshoes. You can even take a sleigh ride through the snow to a campsite on Lake Inari to spot the aurora in pristine nature.

Beyond standard rooms, the Wilderness Hotel also offers glass-roofed cabins, as well as classic log cabins and bubble-shaped accommodations for two where guests can watch the dancing lights through the glass roof above your warm, cozy bed. When you're not chasing the lights, enjoy other Arctic activities like a husky safari, ice fishing, snowmobiling or a day in the snow meeting the local reindeer.

Saariselkä and Kakslauttanen, Finland

These two towns are around 150 miles above the Arctic Circle, with a prime location under the auroral oval, allowing as many as 200 opportunities per year to see the northern lights (weather permitting, of course). This area in Finnish Lapland is known for its stunning scenery, Sámi culture, cross-country and downhill skiing, and Urho Kekkonen National Park – one of Finland's largest.

Ski enthusiasts can roll two trips into one by hitting the slopes by day in Saariselkä and aurora spotting by night at Finland's northernmost ski resort. March into early April is the best time to view the aurora, as the Finnish Meteorological Institute notes that the weather is usually clearer at this time of year. But it's possible to see the northern lights at any time during the season from late August to early or mid-April.

Where to stay: Seven miles south of Saariselkä sits the village of Kakslauttanen, where you can book two- or four-person Glass Igloos at the Kakslauttanen Arctic Resort. The new Kelo-Glass Igloos, which sleep up to six, mix the comforts of a log chalet with the visibility of the glass roof; enjoy a private sauna, a fireplace and more. There's also an impressive selection of year-round tours and activities at this resort, including northern lights excursions on snowmobiles or by horse-drawn carriage.

Stewart Island, New Zealand

Courtesy of RealNZ

Although they may be isolated, some far-south destinations offer the chance to see the aurora australis – or southern lights. While you might be able to see them year-round in some locations (just as with the northern lights), certain months are better for aurora viewing in the Southern Hemisphere. Stewart Island is regarded as one of the top spots to see the brilliant display in New Zealand , with 85% of the island encompassed by Rakiura National Park, so there are few people and virtually no light pollution. You can reach Stewart Island by flying in from Invercargill or taking a ferry from Bluff.

New Zealand's winter months – June to August – are the best time to see the southern lights; spring and fall are also not bad times to spot them. The brighter summer months, between December and February, make it more difficult to spot the aurora, but there's still a chance you'll catch a glimpse between midnight and 4 a.m.

Where to stay: Consider reserving a room with at Stewart Island Lodge, an intimate bed-and-breakfast. This beautiful property is just minutes by foot from the village of Oban, and the property will pick you up at the ferry terminal for your stay. Past visitors rave about the spectacular views of Halfmoon Bay and the Foveaux Strait from both the rooms and lodge terrace.

Tasmania sits approximately 150 miles south of mainland Australia. This mountainous island is one of relatively few places on the planet where it's theoretically possible to see the aurora 365 days a year due to its latitude, which allows for full darkness even on summer nights. The capital city of Hobart is the easiest point of entry: It's home to Tasmania's largest airport and serves as a convenient base. The city's burgeoning food and cultural scenes will also give you plenty to see and do.

From here you'll be able to reach several great viewing locations with unobstructed and open views of the sea along the southern and southeast coastlines, like Goat Bluff and Tinderbox Bay. When you're not staring at the night sky, splurge on a once-in-a-lifetime helicopter flight with Tasmanian Air Tours. Depending on your whims, your private pilot can whisk you away to soar over the sea cliffs; stop at a local winery to sample local vintages; or head south to the UNESCO World Heritage Site of Port Arthur , Tasmania 's historic and most notorious prison.

Where to stay: Reserve accommodations at The Tasman, a Luxury Collection Hotel, Hobart. The historic luxury property is situated along the lively waterfront area with harbor views. Past guests admired the historic building housing the hotel and loved the heritage rooms featuring gas fireplaces for those cold Tasmanian nights.

Expedition cruise to Antarctica

If you're one of the lucky few people on the planet to travel to the southernmost continent on Earth, it may be pricey, but you'll have an adventure of a lifetime in Antarctica, especially if the aurora illuminates the sky. The southern lights are most visible in the winter months (between March and October), but due to weather conditions, only researchers brave the Antarctic winter – and they mostly stay indoors.

However, all hope is not lost if you seek to view the aurora australis in Antarctica. Late-season expedition cruises to this continent offered in March also bring the opportunity to view the southern lights and enjoy the end of Antarctica's fleeting summer. As the days shorten in length, you may encounter light snow across the extreme landscape and ice starting to form on the water's surface.

When it comes to wildlife viewing, humpback whale sightings are abundant, and you'll still see penguin colonies – including king and gentoo penguins. You can also keep your eyes peeled for elephant seals, leopard seals, wandering albatross and other species of birds. When night falls on clear evenings, look for the light show in the southern sky. Companies that offer March voyages include Swoop Antarctica, Atlas Ocean Voyages, Silversea Cruises , Aurora Expeditions and Hurtigruten Expeditions.

Frequently Asked Questions

There's no one location that's widely accepted as the best place to see the northern lights. However, the strongest light displays are within what's called the "auroral oval": a rough circle around the Earth's magnetic northern pole that tends to occur around 60 to 70 degrees of latitude. The oval's exact size expands and contracts (some more southerly destinations can fall under it when the aurora is particularly strong), but there are certain locations that generally fall within the oval most of the time.

These places include:

• Central and northern Alaska
• Large areas of Yukon, the Northwest Territories and northern Quebec in Canada
• Southern Greenland
• Far northern Norway, Sweden and Finland

Within these areas, it could be argued that Iceland is the best place to see the aurora as it experiences much milder temperatures than some other areas within the oval. But this is subjective, and some travelers may prefer a location like Yellowknife in Canada for a full-on, very cold Arctic experience.

The northern lights are only visible when it's dark out. Since many of the best places to see them are so far north that they experience near-constant daylight in the summer, you'll generally want to schedule a trip between late August and early April. However, within this time period, there's some debate about the best time to catch the lights. For example, the aurora tends to be more active around the September and March equinoxes due to stronger solar winds – but on the other hand, your chances of seeing them may be higher in the depths of winter, since there's longer nights and therefore a longer window in which they might appear.

In more southern locations like Minnesota, it may be possible to see the light show in the summer months, but it's still advisable to go at a time when the nights are longer. It can also be worth trying to schedule your northern lights trip when there's a new moon: While the aurora can shine through moonlight, it may be harder to see if there's a full moon.

Of course, cloudy weather can block the aurora even if you go at the right time of year. So, it may be wise to research the local weather patterns at your chosen destination to find out if there's a month where you can expect clearer skies. In many cases, though, there's a little luck involved.

These two countries can offer excellent views of the northern lights, since both are directly under the typical auroral oval. Yet there are some differences to be aware of.

In Norway, you'll need to head to the north of the country to catch the aurora: While they have been sighted in Oslo , the capital and largest city, it's too far south to be a reliable vantage point. Cities like Tromsø are popular spots, but direct flights there are only possible from some European cities, so North Americans will have to take connecting flights. On the other hand, Iceland is generally easier to reach, with direct flights to its capital, Reykjavik, from a large number of U.S. destinations (particularly from the East Coast) with no further connection required.

Since clear skies are key for seeing the northern lights, weather is another factor to consider. In November, December and March, Reykjavik has statistically slightly more frequent clear skies, while in January and February, Tromsø is a little better, but the difference isn't big: Both places have clear skies only around 25 to 30% of the time in these months. Reykjavik has slightly warmer weather, though, so between that and the ease of access, it has a slight edge over Norway for seeing the northern lights.

Alaska and Iceland are known for stellar aurora light shows, so deciding between them may depend on which destination you find more convenient and more to your tastes. In Alaska , the city of Fairbanks is considered a great spot to catch the northern lights. (They can still be seen elsewhere in the state – for example, in Anchorage, although they're not so common in more southern locations like Juneau). The advantage of Fairbanks is that you won't need a passport , yet there aren't many direct flights from the lower 48 states. Despite being an international destination, Iceland may be more accessible (particularly from the eastern U.S.), thanks to fairly regular flights to Reykjavik from numerous American cities.

Fairbanks does offer statistically better weather for aurora viewing: It has clear skies more often than Reykjavik, particularly in March when the Alaska city experiences them around 45% of the time (compared to about 25% for Reykjavik). But you'll have to be able to tolerate the cold. While temperatures in Reykjavik hover around freezing in midwinter, Fairbanks is a veritable deep freeze, with average highs around 5 degrees Fahrenheit down to lows colder than minus 5 in December.

Why Trust U.S. News Travel

Timothy Forster , as a Canadian who has traveled from coast to coast in that sprawling country, knows all about travel in the cold northern reaches of the world. Forster used his extensive traveling background along with research expertise to curate this article.

You might also be interested in:

• The Top Waterfalls in Iceland
• The World's Top Treehouse Hotels
• The Most Beautiful Beaches in the World
• The Best Travel Insurance Companies

Most Beautiful Landscapes in the World

Tags: Travel , Vacation Ideas

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

If you make a purchase from our site, we may earn a commission. This does not affect the quality or independence of our editorial content.

You May Also Like

Best whale watching tours in maine.

Marisa Méndez April 23, 2024

The Best Wineries in Napa Valley

April 23, 2024

The Best East Coast Beaches

April 19, 2024

The Best Carry-on Luggage

Erin Evans , Rachael Hood , Catriona Kendall , Amanda Norcross and Leilani Osmundson April 17, 2024

The Best Hard-sided Luggage Picks

The Best Luggage Brands

Rachael Hood April 17, 2024

The Best Yellowstone National Park Tours

John Rodwan April 17, 2024

The Best Rome Colosseum Tours

Laura Itzkowitz April 17, 2024

Best Alaska Tours

Lyn Mettler April 16, 2024

The Best Fredericksburg Wine Tours

Politics latest: Angela Rayner labels Rishi Sunak a 'pint-sized loser'; PM insists defence spending pledge 'fully-funded'

While Rishi Sunak spent the day heralding his defence spending commitment on a trip to Germany, Oliver Dowden and Angela Rayner stood in the prime minister and the Labour leader at PMQs.

Thursday 25 April 2024 02:05, UK

Please use Chrome browser for a more accessible video player

• Sunak insists rise in defence spending is 'fully-funded'
• Beth Rigby:  PM seeking to position himself as a strong leader prepared to defend the country
• Sophy Ridge:  There are cracks underneath the apparent unity on defence spending
• Rayner presses Dowden on no-fault evictions - and raises Sky News report - after joke about 'obsession' with her living arrangements
• Labour deputy leader labels Sunak a 'pint-sized loser'
• Local elections:  Sam Coates on why they matter | Who can I vote for? | What Sunak and Starmer will be hoping for
• Live reporting by Tim Baker

 That's it for today.

We're wrapping up the Politics Hub, but make sure to join us again tomorrow.

And remember, at 7pm tomorrow there's a special episode of the Politics Hub with Sophy Ridge.

It will come live from one of our Target Towns, Grimsby, and will feature brand new polling and a live audience.

Before you go, here are some of today's main stories.

By Alexandra Rogers , political reporter 

Defence Secretary Grant Shapps has said he wants the new NATO target for defence spending to increase from the current 2% of gross domestic product to 2.5%.

Mr Shapps said it would make a "real difference" if the countries signed up to the military alliance met his proposed target.

He told Kay Burley on Sky News: "We're now saying we think that should be 2.5%. We think in a more dangerous world that would make sense.

"I will be arguing that, and I know that the prime minister feels strongly about it, when we go to the NATO 75th anniversary summit which is in Washington DC."

The defence secretary's intervention comes after Rishi Sunak pledged to increase UK defence spending to 2.5% of GDP by 2030 to tackle the "growing threats" posed by hostile states including Russia, Iran and China.

Speaking alongside NATO Secretary General Jens Stoltenberg at a press conference in Warsaw yesterday, the prime minister said he planned to steadily increase defence spending by the end of the decade, rising to 2.4% a year until 2027-28 - then hitting 2.5% by 2030-31.

Funding will rise from £64.6bn in 2024 to £78.2bn in 2028, and then jump to £87bn in 2030-31.

Read more here:

"There isn't a single safe prosecution brought by the Post Office in the last couple of decades," Conservative MP and former minister David Davis has told Sky News.

He was responding to comments made by a lawyer representing former sub-postmasters, who told Sky News the Post Office scandal extends "greatly beyond" faulty Horizon software (see previous post).

Paul Marshall said problems with other systems which have been "overlooked" mean there are "no convictions" secured by the Post Office against any sub-postmaster "that could or should properly be treated as safe".

Sir Davis says although the government has done a "great deal already" to exonerate Horizon victims, "we probably have to do more".

He cites a report which he says found there are other cases that "at least deserved a very close look and probable exoneration, and that didn't happen".

He estimates the courts could go through " nearly all the cases in three or six months if we set ourselves the task of doing it".

He describes the Post Office as "a public body which wasn't serving the public".

By Adele Robinson , business correspondent

The Post Office scandal extends "greatly beyond" faulty Horizon software, according to a lawyer for victims.

Paul Marshall, representing former sub-postmasters, says problems with third party systems in branches, such as ATMs, have been "overlooked".

A 2013 report commissioned by the Post Office, and not made public at the time, states: "Removing the ATM reduces the risk of (the sub-postmaster) being suspended... as does the presence of lottery tickets, (banking) services, and DVLA processing."

It indicates there were issues known to the Post Office with third party systems within branches - separate to Horizon software.

Barrister Paul Marshall believes, as a result, there are "no convictions" secured by the Post Office against any sub-postmaster "that could or should properly be treated as safe".

He says evidence of third party errors, such as ATMs, shows "the scandal extends considerably beyond, greatly beyond, it might be said, the limited focus of bugs in Horizon".

Blanket exoneration legislation being introduced this summer will only quash convictions brought about "by erroneous Horizon evidence".

Mr Marshall asserts that postmasters who have had appeals against convictions rejected by the Court of Appeal may have lost because their offences didn't fall within the "narrow scope" of Horizon issues.

By Daniel Dunford , senior data journalist

There might not be a general election just yet, but there are important votes that will define how the areas around us are run for the next four years. 

See what's happening where you are here:

With a general election looming, what counts as gains and losses for the main parties in next week's locals? 

Sky's election analyst Michael Thrasher tells us what to look out for:

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

With the local election campaign well under way, Labour is still sitting comfortably on a roughly 21-point lead, averaging at 43.5% in the polls, with the Tories on 23.5%.

In third is Reform UK on 12.2%, followed by the Lib Dems on 9.3%.

The Green Party stands at 6.3%, and the SNP on 3.0%.

See the latest update below - and you can read more about the methodology behind the tracker  here .

By Beth Rigby , political editor

This was a trip with two aims: to refocus the world's attention on Ukraine and announce a big boost in defence spending - with an eye, of course, on national security, but also on the general election.

When it comes to Ukraine, this was a co-ordinated effort across the Atlantic.

As Rishi Sunak arrived in Berlin, overnight in Washington the US was finally approving a $600m military aid package for Kyiv.

This was all designed to send a message to Russia - allies are in lockstep and will stand behind Ukraine for as long as it takes.

The prime minister used the Poland leg of the trip to commit the UK to spending 2.5% of GDP on defence by 2030, while in Berlin, Mr Sunak announced a formal bilateral security partnership with Germany to deepen co-operation on defence and military manufacturing.

It was all part of his agenda to position himself as a wartime leader, speaking of the UK's defence industry going onto a war footing as Europe stood at a turning point.

"The world we are living in is increasingly dangerous and the axis of authoritarian states are working together to undermine our security," he told his audience in Berlin.

"We need to do more. Germany has done more and we have met the NATO standard [on spending], and you see global defence spending is rising."

Mr Sunak added: "I do believe we will look back at this moment in time and recognise this inflection point, where the old paradigm is no longer the case and we need to adjust for a new paradigm."

Read Beth's full analysis here:

That's all for tonight. 

But make sure to join us again tomorrow - Sophy is heading to Grimsby to discuss why so many people have turned off politics.

There'll be a live audience and new polling laying out the situation in one of our Target Towns, so make sure to tune in at 7pm on Thursday.

By Jennifer Scott , political reporter 

Labour's Angela Rayner has attacked the Conservatives for "obsessing" over her living arrangements while renters continue to face uncertainty over the government's promise to end no-fault evictions.

The party's deputy leader has come under scrutiny over the sale of her former Stockport home before she was an MP, with claims she did not pay the right amount of capital gains tax and may have registered to vote at the wrong address - allegations she denies.

Greater Manchester Police are now looking into the latter issue, which could be a breach of electoral rules, following a complaint from Tory MP James Daly.

But standing in at Prime Minister's Questions on the day the much-delayed Renters' Reform Bill returned to the Commons, Ms Rayner said: "I know this party opposite is desperate to talk about my living arrangements, but the public want to know what this government is going to do about theirs."

Ministers first promised to scrap no-fault evictions - or Section 21s - in April 2019, but agreed to an indefinite delay to outlawing the mechanism after a group of Conservative backbenchers, including some landlords, raised concerns that the courts were not prepared for the legal cases that could replace them.

A new clause being added to the bill by the government today would, if approved, order an assessment of the courts before any ban could be enacted. But it offers no timetable for when the probe would have to take place.

Read more below:

Be the first to get Breaking News

Install the Sky News app for free