summer sports travel insurance

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

Award-Winning, Flexible

SPORTS TRAVEL INSURANCE

• Over 500 sports and activities covered

All medical conditions considered

• One of the UK's leading sports travel insurance providers

Buy your Sports Travel Insurance online in minutes

10% OFF ONLINE*

Independent Service Rating based on 4664 verified reviews.

Our Sports Travel Insurance policy options

Put simply, we offer two different policy options…

1. Sports Travel Insurance

Our Sports Travel Insurance can cover you for taking part in over 500 sports whilst abroad, whether that be for leisure or competition. The policy includes cover for medical and repatriation costs, trip cancellation and curtailment, and much more.

2. Sports Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for your sports or activity, we can provide a bolt-on style of protection under our Activity TopUp policy.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Sports Travel Insurance

Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us for your Sports Travel Insurance

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored Sports Travel Insurance from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

We will consider all pre-existing medical conditions. Simply submit your condition during our online quote form.

What does Sports Travel Insurance cover?

Sports Travel Insurance differs from most basic travel policies as it will also protect you whilst participating in a large range of sports abroad. This includes extreme sports, competitions and training camps, which in most cases would not be covered under many other standard travel insurance policies.

It works just like any other travel insurance, meaning that it will protect you should you have an accident or illness abroad, lose your luggage or experience delays. It will even reimburse the cost of your lost, stolen or damaged sports equipment. 

Will I be covered during races and events?

Yes, our policy will cover you for participating in competitions, races and events unless otherwise stated.

Frequently Asked Questions

If you fall ill with COVID-19 during your trip and require emergency medical expenses care and/or repatriation to the UK, this would be covered under the policy, as long as the FCDO are not advising against all but essential travel, or against all travel to the country or area which you are visiting.

We will also cover you if you have to cancel or curtail your trip due to falling ill with COVID-19 due to you being too ill to travel, or if travelling meant that you would be contravening airline restrictions, or would be breaching entry restrictions in the country to which you were planning to travel.

You would also be covered under the Activity and Race Entry Fees section of the cover if you are unable to participate in an activity that has been paid for in advance due to contracting COVID-19.

You can purchase our Sports Travel Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

Our highly experienced claims team can be contacted Mon – Fri, 9am – 5pm. Visit our  Claims page  to find out more information about how to make a claim.

No, we only insure amateurs or semi-professionals. We define a professional as someone earning more than £5,000 per year from their sport, doing their sport as a full-time occupation: paid or unpaid, or on a sports scholarship. If in doubt, please email or call us to discuss.

Yes, we provide cover for your sports equipment. 

We’ll cover your sports equipment or that which is hired to you during your trip. We’ll pay for:

• The cost of hiring replacement equipment; or
• The intrinsic value of the lost or damaged sports equipment; or
• The cost of repair of your sports equipment

It is important because if you have an accident aboard and need medical assistance, you could be forced to pay a lot of money to receive treatment or be repatriated back to the UK. A comprehensive sports travel insurance policy will cover these costs up to the policy limit. 

You may also experience flight delays or cancellation of your trip which results in costing you money. These too will be covered under our Sports Travel Insurance policy. 

Get an instant quote and buy  online now!

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

Adventure & Sports Travel Insurance

Best travel insurance for extreme sports.

Some single trip policies can cover adventurous activities that are often excluded, such as skydiving, bungee jumping, and mountain climbing. Typically, these policies also have coverage for more common activities like hiking and snorkeling.

Select policies provide benefits for sports equipment and fees, including coverage for lost or damaged equipment , and for the cost of renting new equipment if yours is delayed . The Sports Fees benefit can reimburse sports-related trip payments.

The cost of treating injuries while competing in amateur sports can be covered by some travel insurance policies. This can include coverage for injuries sustained during competitive, organized, collegiate, or scholastic sports and activities.

Water Sports

Snorkeling, fishing, and other popular activities can be covered.

Many travel insurance policies have coverage specifically for active travelers who plan to participate in water sports . These policies can include coverage for many popular cruise excursions and water activities, such as jet skiing, snorkeling, deep sea fishing, and tubing, among others. Some travel insurance policies can also cover travelers who participate in more adventurous water activities, including scuba diving, windsurfing, water skiing, and speed sailing.

Snow and Winter Sports

Coverage from snowshoeing to heli skiing.

Winter sports are often covered by travel insurance policies, including snowboarding, skiing, tubing, and snowmobiling. More adventurous sports, such as heli skiing or heli boarding, luging, and ice windsurfing, can also be covered by some policies. Certain policies are built specifically to cover travelers who want to participate in these types of extreme sports.

Air Activities

Coverage for extreme air sports, like skydiving, may be available.

Hang gliding, zip lining, or bungee jumping can be covered by some travel insurance policies. The policies that can cover these air activities may also have more comprehensive coverage for other high-flying activities. These policies can include coverage for skydiving, parachuting, piloting an aircraft, and hot air ballooning, among others.

Travel Insurance for Adventure and Sports

Land-based Activities

Mountaineering and trekking are among the covered land activities.

Travel insurance can cover many adventurous land-based activities . Mountain climbing, cave diving and riding motorcycles are among the most hazardous land-based activities that can be covered under travel insurance policies. More common land-based activities, such as hiking, cycling, go-karting, and trekking, are also covered by many policies.

Amateur Sports & Competitions

Some policies cover recreational and organized sports.

Travel insurance can cover an injury that occurs while participating in a sport. Many policies cover recreational sports and activities, and some can cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can cover professional sports.

Travel insurance coverage for sports can include popular contact sports, such as football, rugby, and hockey, as well as other sports like basketball, baseball, and golf. This also includes participating in sports or activities in a camp setting.

Have Questions?

Search extreme sports travel insurance quotes.

Search for sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

• Water scuba diving, kayaking, diving, rafting and more. Bamboo Rafting Banana Boating Black Water Rafting (Grades 1-3) Bodyboarding Breathing Observation Bubble (BOB) Canoe Trekking Canoeing - White Water (up to Grade 3) Canoeing - White Water (up to Grade 4) Canoeing - White Water (up to Grade 5) Canoeing (excluding white water) Cliff Jumping Coasteering (ad hoc) Coasteering (with a guide) Deep Sea Fishing Dinghy Sailing Diving Diving (high diving or spring board) Dragon Boating Fishing Free Diving Gorge Walking (no ropes) High Diving HobieCat Sailing (inshore) Hydrospeeding (White Water Grade 3) Hydrospeeding (White Water Grade 4) Ice Diving Ice Windsurfing Jet Boating Jet Skiing Kayaking Kayaking (excluding White Water) Kayaking (White Water - up to Grade 3) Kayaking (White Water - up to Grade 4) Kayaking (White Water - up to Grade 5) Kite Boarding Kite Surfing Kloofing Mixed Gas Scuba Diving (you must be qualified) Modern Pentathlon Octopush Parasailing Parasailing (over water) Rafting River Bugging River Tubing Rowing Sailing Sailing/Yachting Inshore (racing) Sailing/Yachting Inshore (recreational) Sailing/Yachting Offshore (Deep Ocean: beyond 30 miles from the shore) Sailing/Yachting Offshore (Racing: within 30 miles of the coastline) Sailing/Yachting Offshore (Recreational: within 30 miles of the coastline) Scuba Diving Scuba Diving - Mixed Gas (must be qualified) Scuba Diving (accompanied by a dive master) Scuba Diving (Must be PADI or equivalent qualified) Scuba diving to 100 ft (if accompanied by a dive master) Scuba Diving to 10m (if SSI, PADI or NAUI certified) Scuba Diving to 120 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 130 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 20m (if accompanied by a dive master) Scuba Diving to 20m (if SSI, PADI or NAUI certified) Scuba Diving to 30 ft (if accompanied by a dive master) Scuba Diving to 30m Scuba Diving to 50m (Must be PADI or equivalent qualified) Sea Kayaking Shark Diving (in cage) Shark Diving to Swim With & Feed Sharks Shark Tagging (volunteer work) Skeleton Snorkeling Speed Sailing Stand Up Paddle Boarding Surfing Swim Trekking Swimming Swimming (Long Distance) Swimming with Dolphins Swimrun (Utö Swimrun or similar) Tombstoning Triathlon Tubing Utö Swimrun Sweden Wakeboarding Water Polo Water Ski Jumping Water Skiing (Amateur) Waterskiing Whalewatching White Water Rafting White Water Rafting (up to Grade 3) White Water Rafting (up to Grade 4 - 6) Windsurfing Windsurfing/Boardsailing
• Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing
• Air zip lining, hang gliding, hot air ballooning and more. Bridge Swinging Bungee Jumping Flying (as a licensed pilot) Flying (as a passenger in a licensed passenger carrying private/small aircraft) Hang Gliding Hang Gliding (Tandem) Hot Air Ballooning Hot Air Ballooning (Piloting) Micro Lighting Operating an Aircraft Parachute Jumping (Static Line) Parachuting Parachuting (Charity with Static Line) Parachuting (Free Fall/Sky Diving) Paragliding Paramotoring Parapenting/Parapointing Parasailing (over water) Power Gliding Sky Jumping Skydiving Skysurfing Speed Flying/Riding Tandem Skydive Wind Tunnel Flying Zip Line Zip Trekking
• Land hiking, camel riding, trekking, safari tours and more. Animal Sanctuary/Refuge Work Assault Courses Assault Courses including High Ropes ATV Quad Bike (Off-roading) Biathlon Big Game Hunting Blade Skating Blowcarting BMX BMX Cycling (no Freestyle) BMX Freestyle BMX Racing Bouldering Buggying Camel/Elephant Riding/Trekking Camping Canyoning Caravanning (Mobile Home/Trailer Camping) Cave Diving Cave Tubing Caving/Spelunking Climbing (Mountaineering up to 4,000m) Coasteering (ad hoc) Coasteering (with a guide) Cross Country Running Cycle Racing / Time Trials Cycle Touring Cycle Touring (multi-country expeditions) Cycling (Road/Recreational) Cyclo-cross Deer Stalking/Hunting Drag Racing Driving (any motorized vehicle) Fell Running Fell Walking Four x Four Off Road Driving Go-Karting Gorge Walking (no ropes) Gorilla Trekking Hiking Hiking (below 4,500 meters) Hill Walking (up to 2,000m) Historical/Battle Reenactment Horse Riding Ironman Jogging Karting (as part of an organized recreational event) Karting (Racing) Kilimanjaro (Trekking ascent) Kloofing Land Sailing/Sand Yachting Land Skiing Land Yachting Low Ropes Marathon (City/Street marathon) Modern Pentathlon Motor Cycling (above 125cc) Motor Cycling (up to 125cc inc hired motor cycle)) Motor Cycling Off Road over 250cc (non-competitive) Motor Cycling Off Road up to 250cc (non-competitive) Motor Paintball Motor Racing/Competitions (all types) Motor Rallies/Competitions (all types) Motorsport/Motor Racing Mountain Biking Mountain Biking (Competitive) Mountain Biking (Downhill) Mountain Biking (Freestyle) Mountain Biking (Mega Avalanche or Similar) Mountain Biking (Recreational not Downhill) Mountain Boarding Mountaineering Mountaineering above 14,000ft Mountaineering up to 4,000m Mountaineering up to 5,000m Off Road Motorcycling (over 250cc) Off Road Motorcycling (up to 250cc) Off-road Car Driving (4x4, dune buggying etc) Orienteering Overland Trips Paintballing Paintballing (Motor Paintball) Pony Trekking Rap Running/Jumping Rappelling/Abseiling Rock Climbing (under 2,000m) Rock Climbing (under 3,000m) Rock Climbing (under 4,000m) Rock Scrambling (under 4,000m) Roller Blading Roller Derby Roller Skating Safari (hunting with guns/bows) Safari (Wildlife/Tourist) Safari Trekking (where guns are carried by safari guides for safety) Sandboarding Scrambling Shooting (Clay Pigeon) Shooting (Target) Slack Lining Small Bore Target Shooting Storm Chasing Summer Tobogganing Trekking Trekking (Everest Base Camp) Trekking (Kilimanjaro Ascent) Trekking (up to 4,000m) Trekking (up to 4,500m) Trekking above 7,000m Triathlon Via Ferrata Volcano Climbing Zip Line Zip Trekking Zorbing
• Sport archery, basketball, soccer and more. Aerobics Amateur Athletic Field Event Amateur Athletic Track Events American Football American Football (No Division 1) Angling Archery Badminton Ball Hockey Ballet Baseball Basketball Billiards Bowling Bowls Boxing Boxing (Training) Cheerleading Climbing (indoor) Cricket Croquet Cross Country Running Curling Cycle Racing/Time Trials Dancing Dodgeball Endurance Tests Equestrian Eventing (Equestrian) Falconry Fell Running Fell Walking Fencing Field Hockey Fishing Fives Flag Football Frisbee Gaelic Football Golf Gymnastics Gymnastics (floor) Gymnastics (involving somersaults etc) Handball Highland Games (athletic events competing) Highland Games (heavyweight events competing) Horse Jumping (Show Jumping) Horse Riding Horse Riding (Dressage) Horse Riding (Eventing) Hunting Hurling Ice Hockey Ice Skating Ice Speedway Ironman Jiu Jitsu Jiu Jitsu (Brazilian) Jogging Judo Karate Karting (as part of an organized recreational event) Karting (Racing) Keep Fit Kendo Kick Boxing/Thai Boxing Kiting (flying kites) Korfball Krav Maga Lacrosse Marathon (Arctic) Marathon (City/Street marathon) Martial Arts Model Flying Modern Pentathlon Netball Paintballing Paintballing (Motor Paintball) Petanque Pigeon Racing Polo (Equestrian) Polocrosse Pool Power Lifting Quoits Rackets/Raquetball Rifle Range Ringos Roller Blading Roller Derby Roller Hockey Rounders Rowing Rugby Rugby League Rugby Training (Full Contact) Rugby Training (Not Full Contact) Rugby Union Running (City/Street Marathon) Running (keep fit) Shinty Show Jumping Skateboarding Skateboarding Freestyle Skateboarding/Downhill/Competitive Skeleton Snooker Soccer (Football) Softball Speed Trials/Time Trials Squash Squash/Rackets Table Tennis Tae Kwon Do (Competing) Ten Pin Bowling Tennis Time Trials (Cycling) Touch Rugby Tough Mudder Tough Mudder (World's Toughest) Track Track Days (E.G. Nurburgring) Car Or M/Bike Trampolining (involving somersaults) Trampolining (Recreational) Trans Savoie Big Alpine Enduro Triathlon Tug-of-War Ultra marathon (Marathon des Sables, Jungle Marathon, Arctic Marathon, UTMB etc) Volleyball War Games/Paintballing Weightlifting Wrestling Yoga

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

Any questions? Call us on 01494 887909

Underwritten by

Sports Travel Insurance

What does Sports Travel Insurance cover?

Our Sports Travel insurance provides extensive coverage of a standard travel insurance policy but with the added benefit of being covered to participate in up to 500 sports.

You will be financially covered should you have an accident whilst taking part in your favourite sport. You will also benefit from being covered against the risk of trip cancellation, theft of your sports equipment and much more. 

If you already have a travel insurance policy in place with the likes of your bank but it does not cover you for taking part in your sport, we provide a bolt-on style of protection under our Activity TopUp policy. 

Our policy is underwritten by AXA XL, a leading insurer in the sports and leisure industry. Get an instant quote online by completing our short online quote form. If you need any assistance, our Sales team are available Monday to Friday, 9am – 5:30pm, on 01494 887909.

Get an instant quote

Why choose protectivity, instant quotes & cover.

Insurance doesn’t have to be complicated, that’s why we make buying your Sports Travel Insurance nice and simple. Tell us where you’re going and what sport you’re going to enjoy and we’ll give you an instant price.

Underwritten by Experts

Our Sports Travel Insurance policy is underwritten by AXA XL, one of the worlds leading insurers in sports and leisure. 

Sports Insurance Specialists

We’ve been providing sports insurance for over 30 years so have a decorated knowledge of exactly what protection amateur sportspeople need abroad.

Excellent Claims Handling

Our specialist claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing undue frustration or stress.

What's included in your Sports Travel Insurance policy?

Our Insurance policies include the following benefits as standard:

Emergency Medical Expenses

Hospital and medical bills abroad can be astronomical. That’s why with your Sports Travel Insurance in place you can rest assured that you have £10 million worth of cover for treatment and repatriation.

Sports Equipment Cover

From rock climbing gear to skis, as specialist sports insurance providers we know that your sporting equipment is not just any baggage. That’s why we can cover up to £5,600 of the equipment you use.

Cancellation Cover

A choice of between £1,000 and £5,000 worth of cover if you need to cancel a trip due to illness or injury prior to travelling or if you have to curtail a trip prior to your scheduled return date for unexpected circumstances.

Activity and Race Entry Fees

Should an injury mean that you are unable to take part in an activity or event that you are travelling for, we can provide up to £500 worth of cover in order for you to recoup the costs.

Travel Delay Cover

Flight delays are frustrating and eat away at your valuable trip time. Our policy provides up to £300 worth of cover for when industrial action, adverse weather or mechanical breakdown causes a delay to your travel.

Personal Accident

We will pay the sum shown below if during your trip you sustain an injury which results in death or permanent disablement.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

We are committed to making our claims process as smooth and efficient as possible.

If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.

Further information on our policy

If you have any other questions regarding our Sports Travel Insurance policy, then feel free to get in touch with our friendly team on  01494 887909 . Our phone lines are open  9am to 5:30pm, Monday to Friday. 

Our flexible insurance for sports businesses, organisations and individuals is designed to offer exactly the cover you need.

More information on what we can cover on this policy can be found on our FAQs page.

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Why Get Adventure Sports Travel Insurance?

Travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Adventurous Sports Insurance

Throwing yourself onto a bike or into the sea be sure you're covered., do i need adventurous sports insurance.

There's a degree of risk to most sports, but particularly the adventurous ones.

Having the right cover in place before you go on holiday means you can try exciting and adventurous sports without worrying about what might happen if something goes wrong.

Admiral Travel Insurance covers a wide range of sports, but let’s take a look at which ones you’re covered for as standard and which you’ll need to pay a bit extra for.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What's covered under standard travel insurance?

Many of the sports you might want to do on holiday are covered by our standard holiday insurance.

These activities don’t require an extra payment on top of your standard travel insurance – and you’ll be covered for personal accident and legal liability too:

Banana boating

Body/boogie boarding

Canoeing (up to grade two rivers)

Fishing Kayaking (up to grade two rivers)

Parasailing (over water)

River tubing

Sailboarding

Scuba diving up to 30m*

Sea kayaking

Snorkelling

Wake boarding

Windsurfing

Yachting (inside territorial waters)

Water skiing

White/black water rafting (up to grade four rivers)

*For unqualified scuba divers, the diving depth is limited to 30m. (See policy wording for more conditions around scuba diving cover).

Raquet ball

Table tennis

Tennis Volleyball

Beach games

Cycling (except for racing, BMX, mountain biking, and cycling on extreme terrain)

Fell walking

Hiking (up to 4,000m altitude)

Hot air ballooning

Ice skating

Orienteering

Paintballing

Pony trekking

Safari (guided)

Rollerblading/inline skating

Sand boarding

Skateboarding

Trekking (up to 4,000m altitude)

Paddle boarding

Jogging/Running (excluding marathons)

Pony trekking (any equine 58 inches or less at the wither)

Extreme sports travel insurance: how to get covered for hazardous activities

If you couldn’t see your chosen activity on the list above, don't panic. Adrenaline junkies out there can still try that once-in-a-lifetime bucket list activity – you’ll just need to pay a little extra to be covered.

When buying travel insurance through Admiral, you’ll get the option to add extra cover for a specific hazardous activity. Just select the sport or activity you’ll be taking part in and pay the extra cost to get cover.

Bear in mind all hazardous sports and activities on our list exclude cover for personal accident and legal liability:

Assault course

Bungee jumping (maximum three jumps)

Canoeing (rivers over grade 2)

Canyon swinging

Coasteering

Gorge walking

Horse riding

Kayaking (rivers over grade two)

Kite surfing (over land)

Sand yachting

Scuba diving to depths between 30m and 50m (requires qualification)

Sea canoeing

Shark diving

White/black water rafting (rivers over grade four)

Yachting (outside territorial waters)

Trekking (up to 4500m altitude)

Hiking (up to 4500m altitude)

Motorcycling over 125cc (Europe only)

Sky diving (max 3 jumps)

Paragliding

If you'd like to be insured for a sport that’s not listed, contact our team to find out if we can arrange cover for you.

What level of cover do I need?

Now you know what activities are covered as standard and which require an extra payment, you need to choose the right cover for your trip. We break travel down into three zones:

• Worldwide excluding USA, Canada, Caribbean and Mexico

See the full list of benefits  in the policy summary booklet .

Winter sports insurance: make sure you're covered

If you're taking to the slopes to go skiing or snowboarding, you'll need to add our  winter sports insurance  to your standard cover.

As well as covering you in case of accidents or injury on the slopes, winter sports insurance means you'll get compensation if your equipment is lost, stolen or damaged. It also covers you if your trip is affected by severe weather, like avalanches.

Without the upgrade, your trip won't be covered at all but adding it means you'll get all the standard protection included in our single trip and annual policies as well as cover for the sport you'll be taking part in.

Limitations and exclusions

As is always the case with insurance, there are certain limitations and exceptions that could invalidate your cover.

For Admiral's winter sports insurance, we don’t cover travellers over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Reckless behaviour

You won't be covered if you're injured as a result of your own reckless behaviour. This includes:

• Deliberately injuring yourself
• Being under the influence of drugs, solvents or excessive amounts of alcohol
• Not following the safety precautions while taking part in an activity

For a full list of exceptions, see the General Exclusions section in our policy documents .

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, single trip insurance, annual trip insurance.

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

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

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

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

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

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

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

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

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

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

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

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

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

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

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

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

• Travel Insurance
• Best Travel Insurance Companies

11 Best Travel Insurance Companies Of May 2024

Expert Reviewed

Updated: May 2, 2024, 2:52pm

We evaluated 39 policies and found that Travel Insured International, WorldTrips and Travel Safe are among the best travel insurance companies. We evaluated costs and a variety of coverage features to find the best options. See all our top picks.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best “Cancel For Any Reason” Travel Insurance
• Cheapest Travel Insurance Plans
• Best Cruise Insurance

Summary: Best Travel Insurance Companies

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We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology  for the ratings below.

• 39 travel insurance policies evaluated
• 1,482 coverage details analyzed
• 102 years of insurance experience on the editorial team

Our Picks For The Best Travel Insurance Companies

Best for non-medical evacuation, travel insured international.

Top-scoring plan

Worldwide Trip Protector

Average price

Medical & evacuation limits per person

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

Also included:

• Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

• Rental car damage and theft coverage of up to $50,000.
• Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
• Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
• Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

Average cost

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors.

• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

• Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Baggage insurance upgrade to $4,000 per person.
• Rental car theft and damage coverage of $50,000.
• Political or security evacuation benefits of $150,000 per person.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.
• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
• Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Rental car damage and theft up to $35,000.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Cruise Luxury

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
• “Interruption for any reason” up to $1,000.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

• “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• “Cancel for any reason” upgrade.
• Rental vehicle damage coverage.
• “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
• Adventure Sports Bundle for adventure and extreme activities.
• Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• “Cancel for any reason” coverage.
• “Interruption for any reason” coverage.
• Rental car damage coverage of $35,000.
• Sports & golf equipment rental coverage up to $5,000.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

• “Cancel for any reason” coverage
• Rental car damage coverage of $50,000.
• Lost ski days
• Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

• Rental car coverage for theft and damage of $25,000.
• Sporting equipment coverage of $2,000.
• Sporting equipment delay coverage of $500.
• “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

• Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

• Medical coverage upgrade to $100,000 per person.
• Medical evacuation upgrade to $1 million per person.
• “Cancel for any reason” coverage of 75% (up to max of $7,500).
• Accidental death and dismemberment coverage of $200,000 per person for flights.
• Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
• Car rental collision coverage of $35,000.
• Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

• Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
• Rental car coverage of $35,000 for damage and theft.
• “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

• Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
• Includes $25,000 per person in non-medical evacuation benefits.
• Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
• Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
• “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

• Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
• Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

These policies offer the highest level of medical coverage among the plans that we judged to be the best.

These policies offer the highest level of emergency medical coverage among the plans in our top picks.

These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best.

Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

• Injuries from high-risk activities such as scuba diving.
• Problems that happen because you were drunk or using drugs.
• Medical tourism such as going abroad for a face lift or other elective procedure.
• Lost or stolen cash.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience you can purchase a policy online within a few minutes.

• Begin shopping for a policy right after you make your first trip deposit. It’s wise to buy travel insurance right after you make your first trip deposit. That way you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers .
• Start by estimating your non-refundable trip cost. If you’re unsure of your trip cost, estimate the amount and then update it later with the travel insurance company, as long as it’s before your departure date.
• Get quotes online or through a travel insurance agent. To get a quote, you typically need the travelers’ ages (or dates of birth), destination, travel dates, and the trip cost being insured.
• Assess policy options and prices. You’ll usually be presented with a selection of policies at different price points, with the more expensive ones usually providing higher coverage levels. Look at the coverage limits for each line item so you know what you’re buying. Once you select a policy, you can buy it online.
• Review the policy. You usually have two weeks or so to further review the policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. We suggest that you check your health plan details to see what it provides outside the U.S. Travel medical insurance fills the gap.

You’re Going to a Remote Area or Out to Sea

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You’re Traveling to a Hurricane-Prone Destination

If you’re concerned about hurricanes or other severe weather affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

• Your destination is under a hurricane warning.
• Your destination is uninhabitable due to severe weather.
• Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Ask an expert

How to Choose the Best Travel Insurance Policy

Shayla Northcutt

Forbes Advisor board member

Michelle Megna

Insurance Lead Editor

Insurance Managing Editor

Les Masterson

Insurance Editor

Ashlee Valentine

Assess Your Needs, Read Reviews

Choosing the right travel insurance policy is like packing an essential item for your trip—you never know when you might need it. I recommend considering not only your travel plans, but also who you are traveling with and their circumstances as well as personal health requirements. That way you can find a policy that offers peace of mind, covering everything from lost luggage to unexpected medical emergencies. It’s also crucial to look into each insurer’s customer service reputation and the ease of their claims process, because if something does happen, you’ll want support that’s both reliable and accessible.

Purchase a Policy When You Book Your Trip

I strongly recommend buying travel insurance as soon as you book your trip. That way you get the maximum length of coverage for trip cancellation benefits. I don’t think many people realize that buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside of the U.S., I would make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Review Travel Delay and Missed Connection Benefits

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re  worried about paying extra money due to a delay or missed connections, I recommend that you look for a policy that has a generous amount of travel delay and missed connection insurance.

Determine If You Need Adventure Activities Coverage

If you plan to participate in extreme sports or adventure excursions, I suggest buying a plan that specifically covers these activities, as they’re often excluded. A travel insurance agent can help you pinpoint a policy that will cover your particular adventures.

Decide How Much Flexibility You Want

I like the idea of “cancel for any reason” travel insurance because you never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

Americans are ready to take trips abroad in May: 86% of travel insurance purchases for trips taking place May 1-31, 2024, are for international trips, based on our analysis of policy sales.

Italy is the top international destination for trips this month, followed by Great Britain and France. In addition:

• The average trip cost being insured for people traveling outside the U.S. in May is $6,339.
• The average trip cost being insured for folks traveling within the U.S. this month is $7,111.
• Americans traveling internationally are paying an average of $405 for their travel insurance policies for May trips and domestic travelers are paying an average of $228.

Average Trip Cost for Popular Destinations

Here’s how average trip costs for five popular destinations are trending over the next three months. Numbers reflect the average of non-refundable trip costs being insured.

• Italy. After a near-record high in April, spending on trips is dipping in May and June, but a significant spike is trending for July trips.
• France. Average trip costs are climbing in May and June, then dropping back down in July.
• Great Britain. Spending on trips is increasing in May and June, with a major uptick in July.
• Japan. Average costs for trips in May are on the rise, but falling in June and July.
• Mexico. Travelers are spending more on trips in May compared to April, but less in June and July.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

• Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
• Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance Of May 2024
• Best Cruise Insurance Plans Of May 2024
• Best Covid-19 Travel Insurance Plans Of 2024
• Best Senior Travel Insurance Of 2024
• The 5 Cheapest Travel Insurance Companies Of May 2024
• Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

Summer Travel Insurance

Your guide to the right travel insurance for your summer vacation.

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• Renew/Extend Coverage
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Do you require trip protection?

Tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Key Takeaways

• Cruise insurance should include Missed Connection in case you miss your cruise or tour departure.
• Road trips can be insured like any other vacation. Renting a car for your trip? Look for Rental Car Damage.
• Vacation Rental coverage should have benefits for Rental Property Damage Liability.
• Sports & Activities should have coverage specifically for them. Most plans exclude many popular sports and activities.
• International Travel calls for travel medical insurance to make sure you are covered in case of an accidental injury or illness.
• Design Your Own plans are a good choice for those who know exactly what coverage they want and don't want.

You've planned your perfect summer vacation; now find the perfect summer travel insurance for your trip with this guide.

Cruise Travel Protection

Planning a summer cruise? You should look for a comprehensive trip cancellation plan that includes Missed Connection coverage. Missed Connection will provide benefits if you miss your cruise or tour departure due to a common carrier delay of 3 hours or more.

Benefits will be available for those missed days of your cruise or tour, transportation expenses to rejoin your cruise or tour departure, and reimbursement for additional expenses incurred during your delay.

Safe Travels Voyager , our most robust and popular cruise travel insurance plan, includes the following:

• Best-in-class 30 covered reasons for trip cancellation
• Missed Connection
• Trip Interruption coverage
• Primary Emergency Medical
• Emergency Evacuation and Repatriation
• Lost Baggage and Baggage Delay
• Trip Delay with the option to increase up to $7,000 - only offered by Trawick International

Noteworthy optional, time-sensitive benefits on this plan (coverage must be purchased within 21 days of the initial trip deposit date):

• Cancel for Any Reason (CFAR)
• Interruption for Any Reason (IFAR)
• Pre-Existing medical condition waiver available

Learn more about Cruise Insurance .

Summer Road Trip

If an epic summer road trip is in your plans, you can treat it like any other vacation when it comes to travel insurance. The only difference is that it is in a car rather than a plane, ship, or train.

While standard auto insurance covers your vehicle if you are in a car accident, your car is stolen or damaged, etc., travel insurance for road trips protects you and the investment made in your road trip.

Travel insurance could reimburse you if, for example, a car accident causes you to have to cut your trip short and cancel prepaid, non-refundable event tickets, hotel stays, vacation rentals, or anything else associated with your trip.

If you are renting a car rather than putting miles on your own, you should look for a plan with benefits for rental car damage that can reimburse you for the cost of repairs and any rental charges imposed by the rental company while the car is being repaired.

Safe Travels Explorer is a budget-friendly travel insurance option perfect for road trips:

• Trip Cancellation and Interruption
• Emergency Medical
• Property Damage coverage available for accommodations
• Lost Baggage
• Optional Rental Car Damage coverage
• Optional - Cancel for Any Reason (CFAR) available in most states

Learn more about Road Trip Insurance .

Vacation Rental Insurance

Staying at a vacation rental, like Airbnb or VRBO? Look for a plan that covers all travelers booked to stay at the vacation rental and provides coverage for unintentional damage to your accommodations.

The travel insurance plan should also offer coverage in case you have to cancel due to sickness, injury, or death of a traveler or non-traveling family member; reimbursement if your accommodations are made uninhabitable; or inclement weather that causes road closure.

Safe Travels Rental Plus is your best bet for vacation rental insurance. It provides the following:

• Rental Property Damage Liability
• Trip cancellation
• Trip interruption
• Optional Cancel for Any Reason (CFAR)
• Optional Rental Car Damage and Theft Coverage (options differ per state)

Sports & Activity Coverage

Do your summer travel plans include a sport or activity? Most travel insurance plans exclude adventure activities. When purchasing a plan, you want to make sure the specific activity you are participating in is not excluded so you have coverage should you become injured while engaged in the activity.

SafeTreker is an adventure travel insurance plan that covers a whopping 450+ sports and activities, from mild to extreme.

SafeTreker includes:

• Search & Rescue
• Sports Equipment Rental (in case the equipment covered under this Policy is lost, stolen, or damaged)
• Inconvenience Benefits (think lost golf rounds, diving days, recreational days, or ski days; options vary by state)
• Innovation award-winning high altitude coverage (4,000' and above), for which guide services must be vetted and approved by Trawick International.

Get a SafeTreker Quote

International Travel

For international travel, whether you are coming to the U.S. from another country or traveling from the U.S. to another country, it is essential to have a travel insurance plan with travel medical benefits.

Many health insurance plans stop covering you or provide limited coverage when you leave your home country, so if you travel internationally without travel medical insurance, you could be stuck footing the bill if you seek emergency medical or dental care.

Make sure the plan you select is right for you based on where you travel from and to. There are travel medical plans for outside of the U.S. and travel medical and trip cancellation plans for U.S. citizens.

If you are a non-U.S. Citizen:

• Safe Travels USA plans are for non-U.S. citizens traveling to the U.S. from another country.
• Safe Travels International plans are for non-U.S. citizens traveling outside the U.S.

If you are a U.S. Resident or Citizen :

• Safe Travels Outbound is a travel medical plan for U.S. citizens traveling outside the U.S.
• Trip Cancellation plans are comprehensive travel insurance plans for U.S. citizens and residents that include travel medical and robust coverage for trip cancellation, interruption, baggage delay, and more.

Design Your Own Plan

You designed your perfect summer trip, and now you can design your perfect insurance for that trip! If you know exactly what coverage you want and don’t want, a build-your-own plan is for you.

Safe Travels Flex is the most customizable plan on the market. It includes our most popular coverages and lets you design the rest.

Included in the plan:

• 24/7 non-insurance Assistance Services

Available optional add-ons: (Availability varies by state, please see plan details for more)

• Emergency Accident & Sickness Medical and Dental Expense
• Baggage and Personal Effects
• Baggage Delay
• Emergency Evacuation and Repatriation of Remains

24/7 Customer Service to help you decide

If you still aren’t sure what the right plan is for your upcoming trip, our best-in-class 24/7 customer service team can help. Contact us via phone, email, or live chat at any time, and a customer service rep will be happy to answer all your questions.

Get a Travel Insurance Quote Today

Ready to buy or curious to see how much it will cost to insure your trip? Get an instant, no-obligation quote .

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

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

Bank Holiday Opening Hours:

6th May: 9am-5pm 27th May: 9am-5pm

Travel Insurance

Medical travel insurance

Seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus 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

Activity and sports travel insurance

What is activity or sports travel insurance.

Does dog sledding, hot air ballooning or jet skiing sound like your kind of holiday? Well for every activity you do abroad, you’ll need your insurance to cover it.

Activity and sports travel insurance will most commonly cover you for any illness or injury that happens as a result of the activity. Some may also include cover for sports equipment, or public liability if you were to damage any people or property whilst taking part. We all know how dangerous an out-of-control skier can be!

To find out which activities are included in your policy, or to find out your medical excess for specific sports, please see  the policy wording .

What activities do InsureandGo cover?

Our travel insurance policies include cover for over 100 adventure sports and activities at no extra cost, so you can get up to more on your holiday. From abseiling and badminton to windsurfing and zip lining, InsureandGo have you covered. We can even provide extra cover for more extreme activities like cascading, high diving and quad biking.

Many activities can be covered for the whole time you’re away, but for others you’ll only be covered if the activity is NOT the main purpose of your trip. 

Those sports and activities shown as an ‘activity holiday’ in the policy wording booklet, such as cycle touring or safaris, are covered even if that’s all you’ll be doing on holiday. 

If you have any questions about this, please contact us for more information.

Follow the links below or check your policy documents for details on what activities you could be getting up to while on holiday.

Extreme Sports Travel Insurance

Golf Travel Insurance

Hiking Travel Insurance

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

Camp Insurance

Going to camp, top things to know when buying summer camp insurance.

Summer camp is a time for enrichment and activity for your child. Don’t let a “what if” ruin your investment – it’s something you can insure. But it’s important to realize the major differences between a traditional travel insurance policy and a summer program insurance policy.

• WORDING It seems simple, but when researching insurance, parents should look for policies that specifically mention “program.” Ensure your insurance policy utilizes specific program cancellation language so a local summer program session in your town is covered as well as one across the country.
• EXPERIENCE & RELIABILITY Familiarity is important. How many summer program participants has the provider insured for cancellation/interruption? Be sure you are working with a reliable provider who has years of experience insuring summer program participants.
• CLAIMS PAYMENT HISTORY Money talks. Work with a plan provider that has a proven track record of paying claims to summer program families.
• HOMESICKNESS It’s a fact, most children feel homesick when they’re at camp. Keep in mind that almost all travel insurance plans exclude coverage for any psychological conditions. Parents should select summer program insurance plans that do not have any psychological exclusion.
• SPORTS EXCLUSIONS Sports are an integral part of many summer camp programs. Many conventional travel insurance plans exclude coverage for recreational sports, so you’ll want a plan that includes coverage for recreational sports.
• EPIDEMIC EXCLUSIONS Many travel insurance plans exclude coverage for epidemics and pandemics. Be sure to purchase a plan that covers these types of outbreaks.
• PRE-EXISTING CONDITIONS Most generic travel insurance plans will only waive a pre-existing condition if the plan is purchased within 14 days of initial deposit. This rarely works for families of summer program participants. Summer program-specific plans often allow families to waive a preexisting condition as long as it’s purchased before the final payment for the program.
• CANCEL FOR ANY REASON Many traditional travel insurance plans will only offer this coverage if the plan is purchased within two-weeks of initial deposit. Pick a plan that allows families to obtain cancel for any reason coverage as long as it’s purchased before the final payment for the program.
• U.S. AND NON U.S. RESIDENTS International participants at your summer camp can make for memorable friendships. Be sure to work with a provider who can cover participants worldwide.

Researching more about these plans and asking questions of the provider will help parents have more confidence when making the investment in a summer program for their children.

Families should always review any specific summer program insurance plan before purchasing.

Own a Summer Camp?

Learn more about becoming an a+ program protection affiliate, camp accident & liability insurance coverage.

Camp Operators have unique insurance needs. Liability Coverages are Essential when working with Youth Participants.

Obtain a Liability quotation for Camp, Clinic and Conferences.

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Cover for 156+ Activities

Whether you'll be scuba diving, kite surfing, jet skiing, bungee jumping, solo skydiving, trekking above 2,500m or kayaking, our Activity Packs can cover various levels of adventurous sports.

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.

Helicopter Rescue Included

We know that safety is paramount when partaking in Extreme Activities. So you can rest assured that if something happens and you need to be helicoptered away, we’ve got you covered.

Up to £10m Medical Cover

24 hour emergency helpline, cancellation & baggage cover, claim while abroad, extreme sports travel insurance.

For those wishing to push the limits of adventure, we can offer you our Extreme Activity Pack which provides cover for the following activities:

Canyoning, trekking over 4,600 metres, BMX cycling, paragliding, gliding, parapenting, hang gliding, parascending, hiking over 4,600 metres,  rock climbing, kite surfing and lots more. For a full list of activities covered please follow this link.

The Extreme Activity pack also includes cover for all activities included in the Activity Pack.

Key Features of Extreme Sports Travel Insurance:

• Cover for over 156 sports and activities.
• Emergency Medical and Repatriation Expenses up to £10 million.
• Emergency Dental Cover.
• Cover duration of up to 24 months.
• Baggage Cover
• Gadgets & Valuable Cover 
• One Way Travel.
• No return ticket requirement.
• Free Home visits.
• Policy Extensions whilst still travelling.
• 156+ Sports and Activities.
• Winter Sports Cover.
• Loss of Passport & Visa replacement costs.

Some FAQ's:

Our most popular policy for paragliding is our annual multi-trip policy with the extreme activity pack included. This allows for multiple trips throughout the year (capped at 30 days or 70 days per trip) and paragliding cover on each trip. Medical expenses, repatriation & helicopter rescue are all included. You can also choose a single trip policy, for a short-term policy with the extreme activity pack included, to cover a one-off trip.

Personal Accident cover isn’t quite what it sounds like. If you have an accident and fall over and break your wrist, that’s covered under normal Medical Expenses. Personal Accident is basically: Loss of sight, loss of limb or permanent disablement.

What the Policy says under Section B. Personal Accident:

In the event of the Insured Person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay up to the amount shown in the Table of Benefits applicable to the type of policy purchased and shown on the Validation Certificate.

Provided that:

• A) the death benefit payable is reduced to £1,000 if the Insured Person is under 16 years of age or 66 years of age or over at the time of death B) the total compensation in respect of any one Insured Person shall not exceed £10,000 for BUDGET Policies, £15,000 forSTANDARD Policies or £25,000 for PREMIER Policies.

Definitions

Loss of Limbs : loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of Sight : total and irrecoverable loss of sight which shall be

considered as having occurred:

• a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
• b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Permanent Total Disablement: A disability which has lasted for at least 12 months from which the Insurer believes the Insured Person will never recover and which prevents them from carrying out any gainful occupation for which they are reasonably qualified by way of training, education or experience.

Special Condition

If an Insured Person was already disabled before the bodily injury or already had a condition which is gradually getting worse, the Insurer may reduce their payment. Any reduced payment will be based on their medical assessment of the difference between:

• the disability after the bodily injury; and
• the extent to which the disability is affected by the disability or condition before the Accident.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

The Additional Mountain Rescue section of cover is a specific level of cover that takes effect when helicopter rescue is deemed necessary by the local Rescue Authorities due to a non-medical emergency such as natural disasters or adverse weather conditions.

This section of cover does not apply to Medically Necessary helicopter evacuations - these costs are covered under the Medical & Repatriation section of cover.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

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

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

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

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

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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

Elektrostal, Russia

Region: Moscow Oblast

Geographic coordinates: 55.783300, 38.466700, temperature range: -40.0°c to 30.0°c (-40°f to 86°f), climate: cold and snowy winters, mild summers with occasional heat waves., population: 158508, language: russian.

Elektrostal, Located in the Moscow Oblast region of Russia, Is a city known for its industrial heritage and diverse economy. With a population of around 150, 000 people, It lies approximately 50 kilometers east of Moscow. Founded in 1916 as an industrial center for steel and metal production, Elektrostal’s most notable landmark is the Elektrostal Metallurgical Plant (EMZ). The plant produces various steel products including railway wheels, Pipes, Wire rod, And sheet metal. Apart from its industrial significance, Elektrostal offers several cultural attractions that are worth visiting.

The Museum-Estate Kuskovo features an impressive collection of art and artifacts from the 18th century. Lake Senezh – a large freshwater lake outside Elektrostal’s city limits – provides opportunities for swimming, Boating or fishing during summer months. Elektrostal also has several parks where visitors can enjoy outdoor activities such as hiking or cycling. Gorky Park features walking paths along with sports facilities like tennis courts and basketball courts. Public transport within Elektrostal itself is convenient with numerous bus routes connecting different parts within the city limits as well as nearby towns like Noginsk or Dmitrovskiy Districts in Moscow Region.

Overall Elektrostal offers visitors an interesting mix of industrial heritage, Cultural attractions and natural beauty making it definitely worth a visit whether you’re interested in learning about Russia’s steel industry or simply want to enjoy the outdoors.

Important Landmarks

• The Museum of Local Lore – it showcases the history and culture of the town.
• The Church of St. Nicholas – a beautiful Orthodox church built in the 19th century.
• Victory Park – a large park with several monuments dedicated to World War II heroes.
• Ice Palace Vityaz – a modern ice arena that hosts various sports events and concerts.
• Elektrostal Central Park – a popular spot for picnics, walking, and outdoor activities.
• The Monument to Soviet Soldiers – located in Victory Square, it honors soldiers who died during World War II.
• Elektrostal History Museum – displays artifacts from ancient times to present day including photographs, documents, paintings etc.,
• Kuzminsky Park- A beautiful park with greenery all around perfect for spending some quality time with family or friends

Primary Industries

• Metallurgical Industry: Elektrostal is renowned for its steel production industry that involves the manufacturing of steel pipes, wires, sheets and other metal products.
• Chemical Industry: The city boasts several chemical plants that produce chemicals such as ammonia, fertilizers and plastics.
• Machinery Industry: Elektrostal has a significant machinery industry that produces machine tools, mining equipment and other industrial machinery.
• Construction Materials Industry: There are several cement factories in the city producing cement and concrete products.
• Food Processing Industry: Several food processing plants operate within the city producing dairy products, meat products and other food items.
• Energy Sector: The city houses a thermal power plant which supplies electricity to the region.
• Retail and Service Sector: Additionally, there is a well-developed retail sector with shopping centers, supermarkets and small shops catering to the local population’s needs.

Noteable History

• The city was founded in 1916 as a center for steel production during World War I.
• During World War II, Elektrostal played a crucial role in supplying the Soviet army with weapons and ammunition.
• In 1957, the first nuclear power plant in Russia was built near Elektrostal.
• The city is known for producing high-quality steel that is used in various industries such as automotive, aerospace, and construction.
• Notable people from Elektrostal include Olympic gold medalist figure skater Irina Slutskaya and former Russian Prime Minister Sergei Kiriyenko.
• In recent years, the city has undergone significant modernization efforts to improve its infrastructure and attract new businesses to the area.

Museums and Things To See

• Museum of Local Lore: This museum showcases the history and culture of Elektrostal and the surrounding region.
• Victory Park: A large park dedicated to the victory in World War II, with monuments, memorials, and a military museum.
• Church of St. Nicholas: A beautiful Orthodox church with stunning frescoes and icons.
• The House-Museum of V.V.Vorovsky: This museum is dedicated to the revolutionary leader Vorovsky who lived in Elektrostal for a time.
• The Central Culture and Leisure Park: A popular park with various attractions like amusement rides, sports facilities, cafes etc.
• The Monument to the First Builders of Elektrostal: This monument commemorates those who built the city’s first industrial complex.
• Art Gallery Art-El: An art center featuring works by local artists as well as exhibitions from around Russia and beyond.
• Museum Elektrosvet: A unique museum showcasing lighting equipment from various periods starting from 19th century till present day.

Cultural Events

• City Day Celebration: This festival is held annually on the first weekend of September to celebrate the founding of Elektrostal.
• International Festival The World of Dance: A dance festival featuring performances from various countries around the world.
• Folklore Kaleidoscope Festival: A cultural event showcasing traditional folk music, dance, and costumes from different regions of Russia.
• Art-Electro Festival: An art exhibition featuring works by local artists as well as artists from other parts of Russia.
• Jazz Festivals: There are several jazz festivals held throughout the year in Elektrostal which feature performances by local and international jazz musicians.

• Shashlychnaya No. 1 – A restaurant specializing in shashlik (Russian kebabs) and other grilled meats.
• Cafe U Dvukh Medvedey – A cozy cafe serving traditional Russian dishes like borscht, pelmeni (dumplings), and blini (pancakes).
• Pivnaya Apteka – A beer bar with a wide selection of craft beers from Russia and around the world.
• Kebab House – A fast-food chain offering various types of kebabs, falafel wraps, and salads.
• Cafe Podkova – Another cozy cafe serving Russian dishes like beef stroganoff, chicken Kiev, and dumplings with different fillings.
• Restaurant Kolbasny Dom – A meat lover’s paradise with various types of sausages, smoked meats, and steaks on the menu.
• Sushi Master – For those who crave Japanese cuisine; this sushi restaurant offers fresh sushi rolls and sashimi plates.
• Pizzeria Mama Mia!- If you’re in the mood for Italian food; this pizzeria offers delicious pizzas made from scratch using fresh ingredients.
• Cafe Kamelot- A cozy café serving traditional Russian dishes such as borscht soup,pelmeni (dumplings),and vareniki(boiled dumplings).
• Restaurant “Gagarin”- Named after Yuri Gagarin; this restaurant serves European cuisine including steaks,pasta,and salads along with exotic cocktails to choose from!

Parks and Recreation

• Central Park of Culture and Rest
• Park of the 50th Anniversary of Victory
• Park of the 300th Anniversary of Elektrostal
• Sports and Recreation Complex Olympic
• Ice Palace Elektrostal
• Ski resort Krugloye Ozero
• Beach complex Sunny Beach
• Tennis club Elektrostal
• Bowling club Strike
• Paintball club Delta Force

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