travel insurance companies in poland

Top Travel Insurances for Poland You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

One of Eastern Europe's most famous destinations among tourists and expats, Poland is home to many historic cities, charming landscapes, and famous monuments like the Wawel Royal Castle in Krakow. Although travelling to Poland can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Poland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Poland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Poland:

Best Travel Insurances for Poland

• 01. Should I get travel insurance for Poland? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Poland scroll down

Heading to Poland soon? Don't forget to check the following list before you travel:

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• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Poland?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Poland. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Poland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Poland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Poland. It lets you choose between various plans tailored to meet the specific needs of your trip to Poland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Poland:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Poland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Poland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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Travel Insurance for Poland

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

Select your travel details

Enter information about tourists

Make a payment in a convenient to you way

After payment, check your e-mail

How to quickly get a travel medical insurance for visa and travel in 4 easy steps?

Buy travel insurance online. Pay by bank card. The insurance is automatically sent to your email

Payment of travel medical insurance

Calculate the cost of the policy with the online calculator

Pay for insurance online with any bank card

We will send the insurance policy to your email immediately after payment

Specify country and dates of travel to get a price

Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

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Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

Enter your first and last name in the Latin alphabet, as in the passport

Trip participants

Tourist No. 1

, complete the purchase

We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Frequently asked questions

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Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, base Jumping and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Poland healthcare for tourists, Travel health insurance for Poland

Schengen visa for Poland

US citizens traveling to Poland

Poland travelers to USA

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Traveling to Poland is thrilling but while planning for vacation US travelers should consider different weather conditions, existing situations that may increase the chances for illness and may face a sudden medical or travel emergency in Poland. It is crucial to have good international travel insurance, especially given the Covid pandemic, the Israel-Hamas war and the Ukraine war. An adequate travel insurance plan will provide coverage for medical expenses incurred while you are staying in Poland in case of any injury or illness. They can also consider covering the Trip Cancellation or Trip Delay expenses. This could insure the money spent on the vacation or the cruise bookings in case it had to be cancelled for any reason.

Travel insurance for visiting Poland

Us citizens traveling to poland.

Located centrally within Europe next to Germany, Czech republic, Slovakia, Ukraine, Belarus and the Baltic Sea is Poland. Poland is becoming increasingly popular with international tourists especially after becoming a part of the European Union. While most of the international tourists are from nearby European nations, Poland does attract over a quarter million US citizens. Poland's tourist attractions are thanks to it pristine natural environment as well as it many historic sites. Poland's two largest cities Warsaw and Kraków are each charming in their distinct ways. Warsaw has been almost entirely rebuilt since the world war while Kraków's Old Town is largely intact since the 13th century.

About 50 miles from Kraków is one of Poland’s most-visited sites, the Auschwitz-Birkenau Memorial & Museum which was one of the largest Nazi Germany's concentration and extermination camps.Away from the big cities, Poland's natural environment includes mountains, beaches along the coast, forests and the lakes. There are hiking paths criss-crossing the country, along rivers, going through thick forest and mountain passes.

While visiting Poland is adventurous and great fun, being forced to visit a hospital without travel health insurance can be catastrophic. Travel insurance is also required to be issued an Schengen visa, however good travel insurance takes away any worry of medical expenses. At American Visitor Insurance, we offer reputed US Travel medical insurance plans which satisfy Schengen visa requirements and provide good coverage in Europe.

Travel insurance for Poland citizens

Polish immigration in the us and immigrant visitors insurance for new immigrants in the usa.

Student Insurance for Poland Students in in the USA

Visitors medical insurance for family, friends and tourists from poland in the usa.

The United States of America is well known as the land of immigrants or the melting pot of different culture. It’s world class living system and many natural wonders that makes the country one of the most desired tourist destinations around the globe. The US is also home for 10 million immigrants from Poland .The US and Poland share a close cooperation on security priorities and also have good bilateral, trade and friendship relationship. Poland was included in the Visa Waiver Program (VWP) on November 22, 2019.

With this program Polish visitors can travel to the United States without a visa for tourism and business for up to 90 days. This program is proposed to encourage travel and people to people interaction. In the year 2018, 107,000 Poles received tourist and business visas. With the addition of Poland in the visa waiver program, the US is anticipating extra business and tourist movement.

Polish professionals in the USA and the need for good visitor medical insurance

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Travelling in groups? Get the best Group travel insurance quotes!

Do you need health insurance to travel to Poland?

Schengen visa travel insurance for visiting poland.

Travel Insurance is mandatory while applying for the Schengen visa which allows you to travel to 27 countries in Europe. The Schengen state consulates have guidelines for the insurance which satisfy visa requirements.

Coverage for emergency cases, hospital stays, evacuation is a minimum requirement that can put your mind at ease when you are in a foreign country with many unknown factors related to medical affairs of that country. We have several plans for people all over the world visiting European countries which satisfy Schengen visa requirements.

Schengen visa insurance requirements

• Medical coverage of at least 30,000 euros travel insurance for schengen coverage (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

Poland Travel insurance for Schengen visa

Factors to consider, schengen visa letter, schengen visa countries, frequently asked questions about best travel insurance for poland, 01. does poland travel insurance cover covid19 illness.

There are some USA travel insurance plans for travel to Poland that cover Covid. International travelers can compare best travel insurance plans and buy it online.

These US travel insurance plans are available for visitors from Poland to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02. Do I need travel insurance for Poland?

If you need a visa for traveling to Poland (Schengen visa), then - Yes, travel health insurance for Poland is necessary for applying for the Schengen visa. The Poland visa travel insurance requirement is a minimum coverage of 30,000 Euros. If you a citizen of a country which does not need a visa for traveling to Poland, then buying travel medical insurance for Poland is not mandatory for visits of less than 90 days. However given the cost of healthcare in Poland, and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance for Poland.

03. How can I get travel medical insurance for Poland?

Travelers to Poland who need the Schengen visa can buy Poland visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Poland visa consulate requirements. Once you complete buying the Poland visa travel insurance online, you can download the required Poland visa letter which you can submit while applying for the Schengen visa.

04. How much is travel insurance for Poland visa?

The cost for the Poland visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Poland travel insurance required, the greater will be the cost. Our Poland visa insurance application quote facility lists the travel insurance that satisfy Poland visa consulate requirements.

05. Who needs the Poland visa?

Anyone traveling to Poland from any of the list of 'Schengen visa required countries' needs the Schengen visa (Poland is included in the Schengen visa). For travelers from any of the 'Schengen visa exempted countries', who want to stay in Poland for more than 90 days also need to get the Long stay in Europe visa

06. How to apply for a Poland visa?

One should apply for the Schengen visa in the consulate of the Schengen state that you are traveling to. The traveller should complete the required Schengen visa application, along with other required documents, such as the travel itinerary, proof of adequate financial means and Schengen visa insurance letter. Please refer to the Schengen state consulate that you are visiting for the complete information regarding applying for the Schengen visa.

  Poland - General Information

Popular tourist destinations in poland.

The medieval town of Malbork, perhaps better known by the German name of Marienburg, is most well-known for its castle.

Lublin, located east of the Vistula, is another ancient city with a market place that may have dated back to the sixth century.

Tatra National Park

Tatra National Park, located in southcentral Poland. The park is mainly forests, meadows and numerous rock formations covering the Tatra Mountains.

Located on the Oder River, Wroclaw is the largest city in western Poland. Main attractions include the market square and the impressive Old Town Hall and St, Elizabeth’s Church.

Popular tourist destination cities in Poland

Travel insurance for poland, poland healthcare for tourists, travel insurance for poland faq.

FAQs about travel insurance for Poland travelers.

Poland Travel Insurance Blog

Blog about travel health insurance Poland travelers.

Travel Insurance to Poland Forum

Customer Queries for USA travelers to Poland travelers.

Confused whether to buy trip, travel or global health insurance? Understand the differences

Travel insurance for Poland visiting USA

Factors that determine the cost of us travel insurance plans, age of the traveler.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage and deductible options

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Insurance for Polish visitors to the US

A large number of Polish tourists visit the US annually. Along with tourist attractions, many Polish visitors also have family in the United States. The United States has much to offer tourists from Poland. It has the most famous cities in the world, New York, Los Angeles, Chicago, Miami, Houston to name a few. It has wonderful national parks famous for wildlife as well as amazing natural landscapes. The United States is also blessed with two large coastlines with beautiful beaches and beautiful shorelines, and in the middle is the rocky mountains. All of these make the US a tourist paradise.

However Polish tourists visiting the US be aware of high health care costs and must buy adequate travel medical insurance. Travelers can compare different travel health insurance plans based on price and benefits offered and buy the plan that best suits ones requirements and budget.

Steps to buy US visitor travel insurance online

  1: finding the best health insurance for foreigners.

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

  2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

  4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

Resourceful tourist insurance USA information

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You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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Travel insurance World without Borders

• Life Insurance Policies
• Travel insurance

World without Borders If you are planning a trip overseas and need travel insurance, check out our offer.

Coverage of treatment costs in case of sudden illness or accident, even up to eur 100,000, insurance of luggage or flight delay to the extent of the costs incurred, immediate assistance, possibility to insure family members and friends, additional insurance packages for active customers: diving, water sports, winter sports, mountain tourism, how does it work, you decide which insurance option to choose and how long the contract will be., you purchase the insurance via the internet., the insurer sends the policy to your e-mail address, and – at your request – also by text message., the insurance contract can be concluded by the holder of the primary citibank credit card, or by the holder of citibank personal account., important informations.

World Without Borders is an individual travel insurance that it is designed to help the Insured during a trip abroad in case of illness, accident, damage to a third party, luggage theft, baggage delay or flight delay.

Insurance coverage under the World Without Borders insurance is provided by Europ Assistance S.A.

Detailed information about the product along with a full list of insurer's liability exclusions can be found in the General Terms and Conditions of “The World without Borders” available on the www.citihandlowy.pl website and in the Bank's Branches.

The World Without Borders insurance contract is concluded by the Client with the insurer through the Bank.

The Bank Handlowy w Warszawie S.A. with its registered office in Warsaw at 16 Senatorska Street acts as an insurance agent performing agency activities for the following insurance companies:

• MetLife Europe Insurance Designated Activity Company,
• Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A.,
• Towarzystwo Ubezpieczeń na Życie Warta S.A.,
• Europ Assistance SA - oddział w Irlandii,
• Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
• Aegon Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The Bank is entered under number 11120807/A in the register of insurance agents kept by the Polish Financial Supervision Authority.

The Client has the possibility to check the Bank's entry in this register via the website: https://rpu.knf.gov.pl/.

The Bank, during the processes of sale and handling of protective insurance, follows the principles set out in the “Recommended best practices in the Polish bancassurance market for unit-linked insurance products” issued by the Polish Bank Association.

This material is for advertising/marketing purposes and does not constitute an offer within the meaning of art. 66 of the Civil Code.

Get your policy right away via email

The “World without Borders” Insurance (”Świat bez granic”) provides coverage in Europe and worldwide. It will take no more than 5 minutes of your time to buy the insurance online. The policy will be sent to you via e-mail or sms.

THIS IS AN ADVERTISING/MARKETING MATERIAL

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, poland 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

Thinking of travelling to Poland? Or maybe you’re already booked up and ready to go! Either way, InsureandGo offers a great range of travel insurance for Poland, no matter where you’re going or what you’ll be getting up to.

All of our policies cover  over 50 activities as standard ! And if you’re up to anything particularly adventurous, we have  extreme sports cover available as an add-on. We also  consider all medical conditions  and have  no upper age limit !

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

Before you buy travel insurance to Poland, there are a few things to think about:

• The total cost of your trip – if something happens and you need to cancel, it’s important to know that you can get your money back.
• The activities you’re likely to be doing – whether you’ll need additional cover such as  ski insurance.
• What you’re taking with you – choose a policy that will cover your luggage if it’s lost, delayed or damaged.
• Always check the  latest travel advice from the FCDO.

What’s covered with our travel insurance to Poland?

As standard, cover for Poland will include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

For more information about what’s covered with your policy, have a read of our policy documents or contact us if you can’t find what you’re looking for.

We’ve put together some useful information that we think you might like to know before your trip to Poland:

Do I need a visa for Poland?

No. If you’re a British citizen with a valid passport, you can stay in Poland visa-free for up to 90 days in any 180 day period. There may be other entry requirements though, so keep up to date with the advice from FCDO .

What travel insurance do I need for Poland?

Poland travel insurance is included in our European annual multi-trip policies. Alternatively, you can buy single trip travel insurance to Poland. visiting Poland as a family? Cover everyone under one policy with our family holiday insurance .

Healthcare in Poland

British citizens should have their free European Health Insurance Card (EHIC) or Global Health Insurance Card ( GHIC ), when travelling in Poland .

This will cover emergency treatment at public healthcare centres or hospitals. However, it’s important to remember to still have travel insurance in place to be able to cover the costs of any unexpected medical treatment or repatriation that the EHIC/GHIC doesn’t cover.

Find more information about  healthcare in Poland here .

Medical & Emergency Assistance in Poland

If something happens while you’re in Poland and you need emergency treatment for an illness or injury, we’re here to help. All travel insurance policyholders have access to our 24-hour medical assistance team .

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

• 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
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• Best Cruise Insurance

Summary: Best Travel Insurance Companies

Best for travel medical coverage, best for medical evacuation coverage, best for travel delays, best for baggage delays, what does travel insurance cover, what’s not covered by travel insurance, how much does travel insurance cost, what affects travel insurance costs, how to get travel insurance, do i need travel insurance, top travel destinations in may 2024, list of may 2024 top travel destinations, methodology, other travel insurance policies we rated, best travel insurance companies frequently asked questions (faqs), compare travel insurance quotes, compare & buy travel insurance, how we chose the best travel insurance.

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

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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.

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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...

Here you can purchase insurance that will meet the requirements provided for by law.

Insurance is available to visitors who come to Poland (individually or as part of agencies and comapnies) in educational, business, touristic or cultural purposes.

All persons applying for a national visa or Schengen visa at a Polish consular office must provide, along with their visa application, a document confirming that they are covered by health insurance in Poland or by travel medical insurance with a minimum coverage of EUR 30,000; the document must be valid for the duration of the planned stay in Poland.

All foreigners applying for a temporary residence card in Poland submit to the voivode competent for the place of stay, not later than on the last day of legal stay in Poland, application for a residance permit with a document confirming health insurance in Poland or confirmation that the insurer covers the costs of treatment in Poland (e.g. an insurance policy). The sum insured depends on the voivodship office where the application is submitted, most of them require min. EUR 30,000 – the document should be valid for the period necessary to achieve the purpose of the foreigner’s stay in Poland.

Insurance cover

After arrival to Poland the policy covers the medical costs in case of a sudden illness or accident in Poland, with the possibility of extending to the territory of 26 countries of the Schengen Area.

In addition, under the insurance, you can purchase protection against the consequences of personal accidents and civil liability. There are six insurance packages to choose from.

* to 26 y/o, ** over 26 y/o -->

Medical expenses insurance If you get sick or sustain an accident, we will arrange for and cover the costs of, among others:

a visit to a doctor

(including a visit to a dentist in an emergency)

(e.g. X-ray scans, ECG, ultrasound scans, MRI scans,computed tomography, basic laboratory tests)

outpatient procedures and surgery

hospital stay and treatment

(medical transport to a doctor or hospital, between medical facilities, to another hospital, to a place of accommodation after medical assistance has been provided)

medical advice and referral, providing urgent information

treatment relating to complications during pregnancy

(not later than the end of the 32 week of pregnancy)

we will reimburse the costs

of, among others, medications, dressings, orthopedic items and supply of medical aids

Civil liability insurance

We will pay compensation to a person to whom you or persons under your care cause damage, e.g. where you:

• injure him or her (i.e. personal injury),
• damage his or her property (i.e. damage to property).

Accident insurance

If you take out our accident insurance: you will receive compensation if you suffer permanent damage to health as a result of an accident during travel ( e.g. demage your eyesight, paralysis, total disablement ), your relatives will receive compensation if you die as a result of an accident. If you die as a result of an accident, your family will receive compensation from the insurance.

How to take out the insurance?

Insurance can be purchased by completing the application form available on the website. The application is available in three languages: Polish, English or Russian. Complete the application in the language you wish get the policy. The Polish Office for Foreigners usually accepts policies only in Polish. Once you pay the premium online using a bank card, we will send a document confirming the conclusion of the insurance contract (policy) to your e-mail address. The electronic policy must be printed out and attached to other visa documents or residence card in Poland.

Choose an option

that suits your needs

Online application

complete in the language you wish to get the policy

Pay the premium

using the fast online payment service

Collect your policy

we will send your electronic policy to your e-mail address

Who can be insured?

The insurance is directed to students, scientists, pupils and free listener students, workers, turists, musicians who arrive in Poland individually, through an recruitment (employment) agency or travel company.

Does the Colonnade health insurance cover the costs of treatment for COVID-19?

Yes, the insurance covers up to 100% of the sum insured hospital stay and treatment, medical transport and transport of the insured to the country of origin, transport of corpses. The basic policy is valid in Poland and it can be extended to the entire Schengen area.

Does the health insurance meet all the new travel insurance rules for foreigners for foreigners applying for a national or a Schengen visa?

Yes, the insurance meets the conditions set out in the Act on foreigners of December 12, 2013. Colonnade Insurance SA is on the list of insurers meeting the all new conditions of the above-mentioned Act, which was published on the website of the Ministry of Foreign Affairs.

What amount and period of the Colonnade health insurance is required to apply for a national visa or a Schengen visa for?

To apply for a national visa or Schengen visa it is required to have the health insurance for a minimum amount of EUR 30 000, which must cover all expenses related to emergency hospital treatment or death of the insured. The policy should be valid for the period of the planned stay in Poland or the Schengen area. In iExpert, the insurance can be purchased for a period from 30 days to 1 year.

I'll apply for a temporary residence card. What amount and period of the health insurance do I need to buy for?

The health insurance with a minimum amount of EUR 30 000 should be valid for the period necessary to achieve the purpose of stay in Poland. In iExpert, the insurance can be purchased for a period from 30 days to 1 year. The obligation to have a policy also applies to persons staying in Poland on the basis of a temporary residence permit.

Can persons applying for the residence permit for EU long-term resident in Poland purchase the Colonnade health insurance?

Yes, persons applying for the residence permit for EU long-term resident in Poland can insure themselves in Colonnade by purchasing the policy in iExpert from 30 days to 1 year.

I'm a student or course participant. What period of the health insurance should I buy for?

Students of higher or post-secondary schools and course participants should buy the insurance covering the entire period of study or courses. At most Polish universities, foreign students are required to have insurance extended by personal accident and civil liability insurance. The policy in iExpert can be purchased from 30 days to 1 year.

Do I need to extend the Colonnade health insurance if I come for manual work?

Yes, persons performing any repair and construction work, work at heights, in transport, agriculture, underground, underwater, in metallurgy, in catering, work with chemical substances, dangerous tools, i.e. impact drills, mechanical saws, pneumatic hammers, mechanical saws and grinders, machine tools, cranes and working machines, road machines must extend the insurance for manual work. The Insurer will not pay a benefit if an additional premium has not been paid for performing manual work.

Will the Colonnade Assistance Center arrange a visit to a doctor, including a dentist, for me 24 hours a day, and settle the costs with a medical institution?

Yes, the Assistance Centre will make a doctor’s appointment or hospitalization 24 hours a day, including direct billing. The Assistance Centre will provide visa advice, information on vaccinations, advice on the loss of luggage, passport, documents or tickets during your stay in Poland or the Schengen area. If you need help due to an accident or illness, call the phone number +48 22 203 75 04.

What distinguishes Colonnade Insurance SA?

Colonnade is a company present in 30 countries around the world. The Insurer’s priority is to provide excellent customer service and the development of innovative insurance products in Central and Eastern Europe.

How to buy a policy? Can it be bought in person at the office?

The policy can only be purchased online. Our consultants provide telephone assistance also in English and Russian. You cannot take out or pay for the policy at our office. At the company’s headquarter we only issue documents confirming the conclusion of insurance – after making an appointment.  We want to make sure that when you come to the office, there will be a person present who is fluent in English or Russian.

iExpert.pl SA

Al. Jerozolimskie 99/32, 02-001 Warszawa www.iexpert.pl

We are available Monday through Friday 8 a.m. to 6 p.m..

tel.: +48 22 646 42 42

[email protected], contact form.

• Terms and conditions

If you have any questions or looking for another offer?

Contact us +48 570 545 951 or [email protected]

Dear customers,

Please be advised that temporarily the sale of our offer is only possible by telephone contact with our consultant.

Please call the numbers: +48 570 545 951 or +48 22 646 42 42 We provide services in Polish, Russian and English.

We apologise for the inconvenience. iExpert Team

• Individuals
• Polski (Strona główna)

About Allianz in Poland

Company data, documents to download , information on allianz companies in poland.

TUiR Allianz Polska S.A.

TFI Allianz Polska S.A.

TU Allianz  Życie Polska S.A.

PTE Allianz Polska S.A.

Other allianz companies in poland , the management board of allianz insurance companies in poland , strategy and values.

Our strategy nad values

Our engagement (CSR)

Our strategy concerning management of risks 

Allianz in numbers.

  over 5300

How we are perceived, selected awards and distinctions .

Service Quality Star  2020, 2019, 2018, 2015 i 2014  and  Service Quality Emblem 2008-2011 and place on the list of most friendly companies

Golden Bumper awarded in 2006, 2007, 2008, 2011, 2012, 2013, 2016, 2017, 2018 for the highest quality of loss adjustment in the scope of motor insurance

Title of the best property insurance company awarded in 2011, 2012 and 2016 in the “Gazeta Bankowa” ranking

More about allianz, check what’s new.

Press centre  

Carrer at Allianz

Want to learn more about our global activities, strategy or culture?

Get in touch with us, find a nearest location.

Fee in accordance with the operator tariff

Contact with an agent

HR Signal: The EU Whistleblowing Directive

#alert: A list of insurance policies accepted for purposes of Polish visa application has been published

Polish Ministry of Foreign Affairs has published a list of insurers and insurance policies that meet the conditions indicated in Art. 25 sec. 1 point 2 lit. a and paragraph 1b of the Act of 12 December 2013 on foreigners, i.e. the conditions which an insurance policy must meet in order to be sufficient in the process of obtaining a Polish national Visa, applicable from 1 December 2020.

The list is available for download on the Ministry’s website, in the visa tab (https://www.gov.pl/web/dykomacja/wizy) at the bottom of the page.

Individual Polish consulates are not bound by the list published by the Ministry – in individual cases, the consulate processing a visa application may still verify whether the insurance certificate submitted with the application meets the requirements. A foreigner attending a visa appointment should therefore ensure that his/her insurance certificate confirms each of the applicable requirements, as discussed below:

In addition to the requirements existing before 1 December 2020 (regarding minimum insurance amount, minimum insurance scope, and minimum validity period), additional requirements have been introduced as of 1 December 2020, relating directly to insurance companies. According to them, the insurer providing the travel medical insurance:

1) must provide a 24-hour alarm center service, and

2a) must have its seat or branch in Poland, EU, EEA or Switzerland, or

2b) must meet additional conditions, i.e. publish results of an audit of its activities, carried out by a recognized international audit entity, indicating its stable financial situation, and publish data at least once every six months about the sum of collected premiums and the size of payments in a given type of insurance.

Authors: Tomasz Rogala Kinga Polewka-Włoch

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Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Local election results: Starmer demands general election after 'terrific' results - but admits one key issue cost him votes

Sir Keir Starmer is demanding a general election as Labour celebrates victory in the Blackpool South by-election - and similarly positive results in council elections in England. But he admits his stance on the Middle East may have cost him votes.

Friday 3 May 2024 10:03, UK

Please use Chrome browser for a more accessible video player

• Vote 2024: Catch up on what you missed overnight
• Check the result where you live  | What's still to come
• Starmer hails results - but admits issue cost him votes
• Tories could be 'almost annihilated' in nationwide poll
• MP who defected to Reform says Sunak destined to lose
• Party's vote in council elections down most in Leave areas
• Sam Coates: Tories losing coalition that drove Johnson's success
• Live reporting by Ben Bloch , Andy Hayes, and (overnight)  Faith Ridler

As we digest the overnight local elections results and await more declarations throughout the day, a special Vote 2024 programme live now on Sky News.

Our lead politics presenter Sophy Ridge will be live on Sky News all day, bringing you the very latest from key races across the country, as well as analysis and reaction from politicians and Sky's expert political team.

Watch live on Sky News now, in the stream at the top of this page - and follow the latest right here in the Politics Hub.

Watch  Politics Hub With Sophy Ridge  on Sky channel 501, Virgin channel 602, Freeview channel 233, on the  Sky News website  and  app  or on  YouTube .

Overnight, we had the first key council results from across the country, as well as news of Labour's Blackpool South by-election win.

But the majority of councils (77 of 107) are yet to declare their results - and we still have mayoral and police and crime commissioner (PCC) results to come.

So when are we expecting more results?

Council elections

Counts are under way in councils across the country, and we are expecting the first results from 12.30pm.

They will come in thick and fast from that time, with results expected to be declared throughout the day.

We are expecting 68 councils to declare today, so stay tuned here in the Politics Hub for the very latest.

Mayoral elections

We are expecting results from four mayoral races today.

The first result we are expecting is the Tees Valley mayoralty  at around 12.30pm

That is a race on a knife-edge between the two main parties, and should the Tories lose the seat, it would be a devastating blow to Rishi Sunak and the party.

The East Midlands mayoralty  result is expected at around 1.30pm, following by the York and North Yorkshire mayoralty around 4pm.

At 4.30pm, we are expecting the North East mayoralty  result, where incumbent Jamie Driscoll - who was kicked out of Labour - is hoping to defeat his old party and stop Kim McGuinness winning.

Police and crime commissioners

We are expecting results from 24 PCC races to come in later today.

The first result is due at around 2pm, with the final declaration at roughly 6pm. 

The results so far show "the unpicking of the electoral coalition" that Boris Johnson put together when he won the general election in 2019.

That's the verdict of our deputy political editor Sam Coates , who says several factors mean voters are not backing the Tories "in anything like the numbers they were four years ago".

He cites no Brexit to "get done", no Jeremy Corbyn, and the fact that Reform UK is standing against the Conservatives across the country - something its previous incarnation, the Brexit Party, didn't do.

It's led to Labour doing much better in Leave areas, "a problem in 2019 now looking like it's being repaired".

Sam says it's "making the job of the Tories holding their voter base together even harder", although he notes Labour will be disappointed to have failed to win in places like Harlow.

Sir Keir Starmer visited several times during the campaign, but it stayed Tory overnight.

Overall, the results likely aren't "quite bad enough" for Tory MPs to once again try to change the party leader.

Rishi Sunak should be safe and may be hoping "something comes along" over the next few days to give him a boost - possibly decent results in some of the mayoral contests.

In addition to electing councillors and mayors, voters in England and Wales have also been choosing more than 30 police and crime commissioners (PCCs).

So far, only three results are in. 

Labour's Clare Moody has won in Avon and Somerset , replacing the Tories' Mark Shelford.

This is the first time that Labour has won the PCC role in the region since it was first created.

It may also give the Labour Party hope that it has prevented the Greens from winning control of Bristol City Council amid a surge for the smaller party in recent years.

In Cumbria , David Allen - another Labour candidate - has been elected, replacing another Conservative, Peter McCall.

And in Lincolnshire , Marc Jones - a Conservative and the incumbent - has retained his position.

Our political correspondent Rob Powell just spoke live to the Labour leader, Sir Keir Starmer, who is attending a victory rally in Blackpool South.

That notwithstanding, Rob asked if he is disappointed his party did not win key councils they were targeting, such as Harlow, where the Tories clung on.

Sir Keir Starmer said the outcome in Blackpool is a "terrific" by-election result, saying it is "the most important election result in the sense that it's a direct message to the prime minister".

He said it is the fifth swing of more than 20% in recent by-elections, concluding the result is "not a one-off".

Starmer vows to 'earn back' lost votes

He conceded there are a few areas like Harlow where Labour lost by a "handful" of votes, but pointed to other positive results.

"This is a good set of results for us, and there's no denying that the mood of the country now is for change, and I think it's for the prime minister to allow the country to express that change now in a general election," he said.

Asked if the party's position on the Israel-Hamas war cost the party votes, the Labour leader replied: "There are some places where that's a very strong factor, and I understand that and respect that."

But he said that where they have lost votes, they will "earn them back", but added that the results so far are "vindication" of the change made to the Labour Party over the last four years.

Opening the victory rally, the new Blackpool South MP, Chris Webb, says Labour "absolutely smashed it" and it shows the public "wants a Labour government".

He calls on "failed" Rishi Sunak to call a general election now.

Labour deputy leader Angela Rayner thanks all the activists in Blackpool who "really have put a shift in", as well as the people of the constituency for electing a new Labour MP.

"The people of Blackpool have seen through the Tory lies and chaos, and they want change," she declares.

"Rishi Sunak - call that general election and let this country move forward."

Sir Keir Starmer says the win is "historic", saying it is "incredible" to have won with a 26% swing.

"Here in Blackpool, a message has been sent directly to the prime minister, because this was a parliamentary vote," he declares.

"This was directly to Rishi Sunak to say we're fed up with your decline, your chaos, and your division, and we want change. We want to go forward with Labour."

The result, Sir Keir says, is a "shout from Blackpool" on behalf of the whole country to "turn the page and start afresh with Labour".

The Labour leader concludes by saying this a "giant step" on the "journey" to forming a new government.

 On the heels of the Labour win in the Blackpool South by-election, Sir Keir Starmer has arrived in the constituency to lead a victory rally.

The Labour leader is alongside his deputy, Angela Rayner, and the new MP, Chris Webb.

Watch live on Sky News now, in the stream at the top of this page, and follow updates here in the Politics Hub.

It is almost impossible for the Conservatives to win the general election, a former Tory MP has told Sky News.

Lee Anderson, who defected to Reform UK in March, told Sky News that Rishi Sunak could "fly over the UK tonight in a helicopter, drop £1m down every chimney, and they would still vote him out come October".

Regarding his party's chances, Mr Anderson claimed Reform UK will become the "main opposition" in the East Midlands and the North East as the general election approaches.

Discussing the Blackpool South by-election , in which the winning Labour candidate got 58.9% of the vote, Mr Anderson said there were positive signs for Reform UK, which got almost as many votes as the Conservatives' candidate.

"I was hoping for around 15% of the vote share," he said.

"I think we got 16.9%, nearly 17% of the vote share in Blackpool, which is above the national average polling at the moment for Reform."

He added, however, that turnout was very low and there appeared to be little appetite for a by-election in the seaside resort.

Regarding national polling, he said: "We're going up and the Conservative Party is coming down.

"We're going to meet at some point. We've already met it in places in the North and in the Midlands.

"I think with a general election probably four or five months away, then we're going to surpass them."

We've just been hearing from Labour's national campaign coordinator, Pat McFadden, on the heels of a good night for in the local elections and the win in the Blackpool South by-election.

Starting with Blackpool South, Mr McFadden said this was "the one where Rishi Sunak and the Conservative government were directly on the ballot paper", with no local consideration.

"When the happened, we got a stunning victory with a 26% swing, and the Tories struggling even to come in to second place," he said.

The senior Labour frontbencher rejected Tory arguments that the circumstances of the former Tory MP resigning amid a lobbying scandal affected the vote, saying: "If they want to take comfort from all of that, they're welcome to do so."

He did concede that "disillusionment" with the Tory government is "a factor" in their wins, but said: "I think there is positive enthusiasm for Labour and a recognition of the changes in the Labour Party that Keir Starmer has made."

We heard a short while ago from our elections guru, Professor Michael Thrasher, and we asked what his key takeaways are from the local elections results so far.

He said the overall picture is "complicated" - the Conservative vote has "collapsed" since 2021 and Labour has made huge gains.

But since 2023, the vote change is rather static, with the Labour vote rising "minutely".

Professor Thrasher completely rejected the Tory argument that the results are normal for a party in midterm.

"[This] is very bad news for the Conservatives because their general election victory in 2019 was built on winning the support of people who had strongly voted Leave in the [EU] referendum," he said.

But the votes overnight show that "in areas that voted most strongly for leave, the Conservative vote has fallen almost 18 percentage points".

That shows that the Leave vote is leaving the Tories - some of which is going to Labour, and some to Reform UK.

He concluded: "If the Conservative fall as low as these council elections so far appear to be telling us, then we're in a situation that we were in (back) in 1997, where the Conservative vote fell so far down that they were almost annihilated.

"The same fate awaits the Conservatives at the next general election if their vote slides this far below, say, 30% in a general election."

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