sunworld travel insurance

• Broker Solutions
• Insurer Solutions
• MGA, UMA & Underwriting Solutions
• Financial Adviser Solutions
• Asia Pacific
• UK & Europe
• US & Caribbean
• Management Team
• Customer Support

Keychoice partners with SunWorld to provide one stop travel insurance

SunWorld Travel is an innovative online travel insurance facility, designed by DOA, a well-established Insurance Underwriting Agency.

Keychoice members will have access to the SunWorld online broker portal in order to transact travel insurance for single, annual and multi-trip cover, on behalf of their clients. Underwritten by AXA Insurance, the product offers four flexible cover levels with tailored limits (Cancellation, Excess, and Baggage) within each level, enabling brokers to tailor make cover to suit their clients exact needs.

Ron Atkinson, Distribution Director at SSP said: “I am delighted to be working with SunWorld to provide our members with access to a competitive travel insurance product. As one of the first online travel providers dedicated to UK insurance brokers, SunWorld has used the feedback gained from brokers to design a product that caters for the majority of our members’ needs.”

Matthew Oliver, Director at SunWorld, said: “We are delighted to be the new Keychoice sole travel insurance provider, we look forward to supporting Keychoice members in placing all types of travel insurance business via our online system dedicated to insurance brokers.”  

Related Posts

Sterling joins ssp's keychoice distribution platform, keychoice partners with best insurance for protection products, keychoice partners with all broker services — ssp limited.

01778 342224 [email protected]

49 High Street, Maxey Peterborough, PE6 9EF

Monday - Friday 09:30-17:00

• Travel Insurance

SunWorld Holiday Insurance

We know how important insurance cover is to you, that’s why we’ve partnered with SunWorld holiday insurance.

SunWorld offer a wide range of cover with the option to choose from single trip or annual multi-trip cover.

Get your free custom quote .

You can also email  [email protected]  or call the Travel Helpline on +44 (0)800 389 5904.

Great Days Out from £22.50

Shows, events, famous homes & gardens, top attractions, sea, scenery, sights, shops! Over 35 local pick up points.

Coach Holidays from £450

99% would book again! Top-rated drivers & creative itineraries packed full of inclusions!

Trusted Coach Hire

Professional, experienced drivers. Modern, clean coaches. Free planning & booking service.

Spring Blooms

Stody Lodge + Cream Tea

Customer Fav

Lincs Aviation Heritage

Bakewell Market

From just £32.50

Travel Insurance

We are pleased to offer the facility for you to obtain a quote and buy travel insurance instantly online through Sunworld. Policies purchased via Sunworld exclude any claim where you cannot travel or choose not to travel because the Foreign and Commonwealth Office (or any other equivalent government body in another country) advises against travel due to a pandemic.

We’re now offering travel insurance with full quote and buy functionality through travel insurance specialists, Sunworld.  Underwritten by Axa, some of the features available through this policy include:

• With a SunWorld single trip policy, there no upper age limits.
• Travel Disruption Cover automatically covered under the Premier Plus Cover level (Optional on all other cover levels)
• Over 200+ sports and activities automatically covered.
• Up to 4 Cover levels
• Tailored limits for Baggage, Excess and Cancellation

Policies purchased from Sunworld exclude :

• Any claim where you cannot travel or choose not to travel because the Foreign and Commonwealth Office (or any other equivalent government body in another country) advises against travel due to a pandemic.

Please note that you will receive information only from us about the travel insurance options available from Sunworld and not advice/a recommendation. 

If you can’t find the travel insurance cover you want or your premium is higher than you expected because you have serious medical conditions you may be able to get help by accessing the Money and Pensions Service travel directory or by calling 0800 138 777 (Monday to Friday, 8am to 6pm).

01530 270574

[email protected]

• Meet the Team
• Testimonials

• Property Insurance
• Business Insurance
• Commercial Motor Insurance
• Liability Insurance
• Contractors Insurance
• Car Insurance
• Home Insurance
• Travel Insurance

Please leave this field empty.

Going away on a trip? Make sure you’ve got the right cover so that both you and your belongings are protected.

Get acquainted with your future policy.

If you get ill or have an accident whilst you’re abroad, the cost of medical treatment can be extortionate. Your policy can cover you for these costs.

If your travel is delayed or cancelled, your policy will protect you against the financial repercussions of this, including travel and accommodation costs you’ve already paid.

Should your baggage go missing, get damaged or stolen, this will ensure you’re covered for what you brought along. This can be extended for more valuable items.

We can arrange cover for Leisure Travel, (Annual, Single Trip & Backpacker) & Corporate Travel with no age limit on single-trip policies and up to 85 on annual multi-trip policies.  Long stay policies now available with our specialist Backpacker cover.

Your cover will be underwritten by Inter Partner Assistance SA UK Branch (Part of the AXA Group) in association with SunWorld Travel Insurance, meaning you know that you’re in great hands with a reputed insurer. We can arrange tailored policies for a wide range of people, locations and activities so you can be sure your policy actually covers you for your individual needs.

Please be aware that by clicking the button below you will leave our website and will be re-directed to SunWorld Travel Insurance website, underwritten by Inter Partner Assistance SA UK Branch (Part of the AXA Group).

Select Renewal Month... January February March April May June July August September October November December

Select Renewal Year...

* Required. Please do not submit any sensitive data.

A member of our team will be in touch within 2 working days.

See what else we have to offer.

Please ensure that you’re getting the appropriate level of cover by reviewing the Medical Cover Firm Directory which is a publicly available directory that only lists firms that provide or arrange travel insurance policies that cover more serious medical conditions. Click here for more information.

Consumer enquires about the directory can be made to MoneyHelper directly using the contact details below:

Telephone – 0800 138 7777 (available Monday to Friday from 8am to 6pm except Bank Holidays) Webchat – available Monday to Friday from 8am to 6pm and Saturday 8am to 3pm except Bank Holidays Online Enquiry Form – aim to respond within 2 working days

Conducted Tours

Golf breaks, short breaks, sunworld travel insurance, welcome to sunworld travel insurance, arranged by inter partner assistance sa uk branch (part of the axa group)..

Single Trip Insurance available from Jersey and Guernsey with COVID – 19  cover!

Travel anywhere in the world* with premier or premier plus cover immediately available for all major risks., you do not need to be traveling with us on our tours or booking through us., our premier ‘plus’ policy covers (per person):.

NO AGE LIMIT ON SINGLE TRIP COVER

ANNUAL COVER UP TO 85 YRS OLD

CANCELLATION UP TO £7,500

MEDICAL EXPENSES UP TO £15,000,000

PERSONAL LIABILITY UP TO £2,000,000

LEGAL EXPENSES UP TO £50,000

PERSONAL ACCIDENT UP TO £10,000

BAGGAGE LOSS UP TO £2,000

PERSONAL CASH UP TO £300

CRUISE, WINTER SPORTS & GOLF EXTENSIONS AVAILABLE

For a quote and immediate cover visit us  at the Broad Street Post Office or  Tel: 01534 619633 or email [email protected]

 (sunworld is arranged and administered by david oliver associates and underwritten by inter partner assistance sa uk branch – part of the axa group)., *as long as you are not traveling against fcdo travel advice.

Special Offers

Copyrights 2020 go tours., developed by tëk ramos..

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

11 Best Travel Insurance Companies in 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.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

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 nearly all plan levels. 

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.

» Jump to the best cards with travel insurance

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...

Adding value to our partners through expertise, passion, and technology

DOA is an independent, family-run Insurance Intermediary, specialising in underwriting Insurance products in niche market sectors right across the UK.

Family business with family values

Founded by David Oliver in 1996, DOA still has the same goal, to support brokers with all their insurance needs with a friendly and professional service. The team thrives on positivity, and all have a passion to help brokers in whatever insurance situation they may find themselves in.

DOA brings brokers and insurers an expert team in commercial property insurance with a diverse range of solutions.

A specialist in liability since 1996, DOA has an unrivalled level record in delivering continuity of risk appetite and pricing.

In-house underwriting and broking expertise offering an opportunity to access the very best markets for clients.

Providing travel and health cover with bespoke in-house technology to help brokers and their clients.

The talented team at DOA create solutions to help protect a variety of different businesses and customers.

A market leader in developing innovative technology platforms to help us, not replace us.

How do brokers get in contact with DOA?

You can call us on 01371 878550 or drop us an email at [email protected] .

What are the benefits to using DOA?

We pride ourselves on our personal and quick service. We will always get back to our brokers with an update or solution within 48 hours. You can find out more about DOA on the “Who are we” page.

How do brokers set up an agency with DOA?

To set up an agency with DOA, please fill out our agency request form.

What Insurance products do DOA offer?

You can view DOA’s product offerings on the specialities page.

How do brokers make a claim?

For claims, please contact DOA on [email protected] , providing details of the loss so that DOA can liaise with insurers to obtain a swift response and appropriate assistance required.

What are DOA's opening hours?

DOA are open Monday to Friday from 9 am to 5 pm.

Is DOA FCA regulated?

DOA Underwriting Ltd is an independent underwriting agency, wholesale broker and principal company for David Oliver T/as David Oliver Associates and DOA Special Facilities Ltd, and is authorised and regulated by the Financial Conduct Authority FRN 772309. You can check DOA’s registration details at www.register.fca.org.uk/s/ .

How do I access DOA’s online platforms?

For a full list of DOA’s online platforms and products, please visit the online facilities page.

If you do not already have an agency and would like to become a DOA agent, you can apply here:

Towergate together with our parent company The Ardonagh Group are deeply saddened to hear of the death of Her Majesty the Queen. She is remembered by our colleagues and worldwide as a beacon of duty, wisdom and service.

• Personal Insurance
• Business Insurance
• Commercial Drone
• Film and TV Production
• Photography and Camera Equipment
• Photography
• Videographer
• See All Camera Covers
• Care and Medical
• Dental Indemnity
• Dental Nurse
• Domiciliary Care
• Medical Indemnity
• Staff Absence
• See All Care and Medical Covers
• Commercial Property
• Block of Flats
• Business Premises
• Caravan Park and Campsite
• Commercial Property Owners
• See All Commercial Property Covers
• Commercial Vehicle
• Agricultural Vehicle
• Driving Instructor
• Self-Drive Hire
• See All Commercial Vehicle Covers
• DSS Landlord
• HMO Landlord
• Landlord Boiler
• Landlord Contents
• Landlord Home Emergency
• Multi Property Landlord
• Short-Term Landlord
• Student Landlord
• Unoccupied Landlord
• See All Landlord Covers
• Small Business
• Cyber Liability
• Directors and Officers
• Employers Liability
• HR and Training Consultants
• Product Liability
• Professional Consultants
• Professional Indemnity
• Public Liability
• Self Employment
• See All Small Business Covers
• Beauty Therapist
• Complementary Therapists
• Counsellors
• Talking Therapists
• Hypnotherapy
• Psychotherapists
• Psychologists
• Massage Therapist
• Nutritional Therapist
• See All Therapists Covers
• Trade Specific
• Contractors All-Risk
• Construction
• Professional Indemnity for Trades
• Sole Traders
• Tree Surgeon
• See More Trade Specific Covers
• Canal and Narrowboat
• Canoe and Kayak
• Paddle Board and Windsurf
• Rowing Scull
• Yacht and Catamaran
• See All Boat Covers
• Holiday Lodge
• Static Caravan
• Touring Caravan
• Trailer Tent
• See All Caravan Covers
• Bloodstock and Racehorse
• Horse Trailer
• Horsebox Breakdown
• Livery Yard and Stables
• Veteran Horse
• See All Equine Covers
• Backpacker Travel
• Car Hire Excess
• Coach Travel
• Long Stay Travel
• Over 65s Travel
• Sports Travel
• Travel With Pre-Existing Medical Conditions
• See All Travel Covers
• Home and Property
• See All Home and Property Covers
• Private Clients
• Holiday Home
• Listed Property
• Non-Standard Construction
• Second Home
• Unoccupied Property
• Lifestyle Excess
• Martial Arts
• See All Leisure Covers
• Gurkha Family Medical Expenses
• Military Adventure Training
• Military Contents
• Military Home
• Military Kit
• Military Personal Accident
• Military Travel
• Military Winter Sports
• See All Military Covers
• Classic Bike
• Classic Car
• Disabled Driver
• Learner Driver
• Non-Standard Private Car
• Van Hire Excess
• See All Motor Covers

Travel Insurance Contacts

Coach holidays, insurance cover purchased directly from your holiday company, (excluding sunworld schemes).

To amend or renew your policy or holiday booking:

• Neither Towergate nor SunWorld can action these changes directly.

All claims except emergency or legal claims

• Tel: 01612 198 702 , Monday to Friday 9am - 5pm
• Email: [email protected]  
• Post: ERGO Travel Insurance Claims, Davies Building, PO Box 1392, Preston PR2 OXE

For medical emergency, medical related expenses, repatriation and evacuation claims, contact our assistance company 

• Tel: +44 (0) 1212 962 979 , 24 hours

For legal costs and expenses claims, contact DAS Legal Expenses Insurance Company Limited

• Tel: +44 (0) 117 934 0548
• Email:  [email protected]
• Post: DAS House, Quay Side, Temple Back, Bristol BS1 6NH

Holiday Home Bookings

Insurance cover purchased directly from sykes cottages or holiday cottages.

To amend or renew your policy or holiday booking

• Tel: 01612 198 702 , Monday to Friday, 9am to 5pm
• Email: [email protected]

For medical emergency, medical related expenses, repatriation and evacuation claims

• Tel: +44 (0) 1212 962 979 assistance company
• Open 24 hours
• Email: [email protected]

SunWorld Travel Insurance for Coach Holidays

Insurance cover purchased directly from sunworld.

Get a quote

• Tel: 01371 705 159

Amend or renew your policy

Make a claim

• Call: 0203 475 3630
• Non Emergency Assistance Monday to Friday, 9am - 5pm
• Emergency Assistance 24 hours

SunWorld Travel Insurance for non-Coach Holidays

Insurance cover purchased from a towergate branch.

• Please contact your usual Towergate adviser.
• Please contact the Towergate branch from where you purchased your policy originally
• Change requests cannot be actioned by SunWorld directly
• Non Emergency Assistance, Monday to Friday, 9am - 5pm
• Emergency Assistance, 24 hours

Direct Travel Insurance Insurance Cover Purchased from www.towergatetravel.com

• Visit https://towergatetravel.com/Customer/index.aspx
• Tel: 0800 389 5904
• Email: [email protected]
• Call 0203 475 3630

More From Forbes

Is travel insurance refundable here’s everything you need to know.

• Share to Facebook
• Share to Twitter
• Share to Linkedin

Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

It s Possible The Russian Army Is Tricking The Ukrainian Army With A Fake Offensive

Writer explains johnny depp and amber heard joke in ‘the fall guy’, ufc st louis results bonus winners from night of memorable finishes.

But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

• Editorial Standards
• Reprints & Permissions

Join The Conversation

One Community. Many Voices. Create a free account to share your thoughts. 

Forbes Community Guidelines

Our community is about connecting people through open and thoughtful conversations. We want our readers to share their views and exchange ideas and facts in a safe space.

In order to do so, please follow the posting rules in our site's  Terms of Service.   We've summarized some of those key rules below. Simply put, keep it civil.

Your post will be rejected if we notice that it seems to contain:

• False or intentionally out-of-context or misleading information
• Insults, profanity, incoherent, obscene or inflammatory language or threats of any kind
• Attacks on the identity of other commenters or the article's author
• Content that otherwise violates our site's  terms.

User accounts will be blocked if we notice or believe that users are engaged in:

• Continuous attempts to re-post comments that have been previously moderated/rejected
• Racist, sexist, homophobic or other discriminatory comments
• Attempts or tactics that put the site security at risk
• Actions that otherwise violate our site's  terms.

So, how can you be a power user?

• Stay on topic and share your insights
• Feel free to be clear and thoughtful to get your point across
• ‘Like’ or ‘Dislike’ to show your point of view.
• Protect your community.
• Use the report tool to alert us when someone breaks the rules.

Thanks for reading our community guidelines. Please read the full list of posting rules found in our site's  Terms of Service.