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Renting a car abroad & the basics of international car insurance

By   Allstate

Last updated : May 2023

Renting a car has become a straightforward, streamlined process throughout the United States. But the process may not be quite so easy when you need to rent a car in another country. U.S. citizens can typically rent a car while abroad if they follow the driver licensing laws and meet insurance requirements specific to the country.

quality auto coverage starts here

Is your u.s. driver's license valid.

To rent a car, you must prove that you are legally allowed to drive before you will be given the keys to your rental car. According to the U.S. State Department , a majority of countries outside of North America accept an International Driving Permit (IDP). The IDP is not a driver's license, but an official translation of your current, valid U.S. license into 10 different languages. You must be at least 18, have a valid driver's license and bring two passport-sized photos to get an IDP.

What coverage do you need?

Typically, your personal car insurance policy will not cover you abroad. But your insurer will likely protect you when you drive into Canada. Your insurance provider can explain if your car insurance policy provides protection in Mexico and tell you about alternative coverage you can purchase to help protect your car while it's over the southern border.

In addition to a personal auto policy, if you have a personal umbrella policy , you may have coverage. An umbrella policy typically applies anywhere in the world, but only above the required underlying insurance, so a driver with umbrella insurance will still need to buy personal liability insurance from the rental company in another country or some other source.

Other countries will have their own specific sets of rental insurance requirements. You can contact the U.S. embassy in the country you are visiting to determine the rental car insurance requirements. Some countries may require specific additional coverage that is only available in that country.

Purchasing additional insurance

Once you determine the extent of your existing coverage, consider any additional coverage you may want to help protect you in the case of an accident, theft or injury in that country, and where you can secure it.

You can usually purchase auto insurance from an overseas car rental company, but in some countries the required coverage is minimal. In that case, you may want to consider buying insurance coverage equal to what you carry at home.

The price for insurance can vary dramatically, so consider reviewing the costs of buying insurance at your destination versus securing coverage through other channels. Once you identify any gaps in your coverage, consider comparing prices from your U.S. insurance provider, your credit card company and the rental car agency . However you decide to protect yourself while traveling outside of the U.S., it is essential to take the time to research your insurance needs and find the best coverage for your situation.

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Car insurance for foreign drivers in USA

Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.

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The United States, a melting pot of cultures and experiences, welcomes millions of foreign visitors each year. For those traveling from abroad, understanding how to navigate car insurance in the U.S.A. can be a crucial aspect of their journey. Whether visiting as tourists or residing here on visas, foreign drivers may need personal transportation to access the nation's sprawling metros. Fortunately, there are plenty of options for car insurance in the U.S.A. for foreigners, which Bankrate explains in detail below.

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This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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U.S. car insurance for short-term visitors

U.s. car insurance for long-term visitors, u.s. car insurance requirements, do i need to buy car insurance if i visit the u.s., frequently asked questions.

For short-term visitors to the U.S., whether traveling for business or leisure, navigating car insurance requirements can be a key part of planning their trip. For those who opt to rent a car, the most practical solution is often to obtain rental car insurance directly from the vehicle rental company. This approach simplifies the process, as short-term visitors generally are not eligible to purchase policies directly from standalone car insurance providers in the U.S.

Vehicle rental companies usually provide a range of insurance options. These include minimum liability coverage , collision coverage or loss-and-damage waivers, personal effects coverage and personal accident coverage. Opting for one or more of these insurance choices can provide adequate protection for short-term stays in the U.S., aligning with the specific needs of the visitor.

For Canadian drivers, the situation often proves more convenient. Canadian auto insurance policies are typically valid in the U.S., and in many cases, these policies may extend to cover rental vehicles. However, it is advisable for Canadian drivers to verify the extent of their coverage with their insurance company, as well as with the rental car company, to ensure adequate protection during their stay in the U.S.

For long-term visitors, such as students or specialized workers on visas, finding suitable car insurance can be a significant aspect of their stay. While obtaining affordable car insurance in the U.S. for foreigners can be challenging without an American driver's license, there are viable options available. It's possible (and often advisable) for these individuals to apply for a U.S. driver’s license, even if they hold a valid license from their home country.

Having an American driver's license could ease the process of acquiring car insurance. Most insurance providers favor a U.S.-issued license as it helps them assess the driver's risk profile more accurately. This step may help foreign drivers in the U.S.A. not only obtain car insurance more easily, but may also lead to lower rates. Additionally, building a driving record in the U.S. could be beneficial in the long run, as a history of safe driving generally lowers insurance premiums over time.

International drivers permits

If you plan on temporarily driving in the U.S. with a driver’s license from your home country, be aware of the local rules about how long you may legally operate a vehicle with a foreign license. You may only be able to drive with an overseas driver’s license for up to three months .

If you intend on staying stateside longer than a handful of weeks, some states advise you to get an international driver’s permit (IDP). Even if an IDP is not mandatory, having one may be a good idea. The document doesn’t replace your foreign-held driver’s license — it serves as an accompanying translation of it. If you get pulled over, the officer can look up the translation of your foreign driver’s license in the IDP booklet in the language of their choice and see that you are a valid driver.

To get an international driver’s permit, contact your home country’s traffic or motor vehicles agency to apply for one before you plan to leave. It may take around two weeks to receive your IDP, so be sure to apply well in advance. An IDP is typically valid for one year from when you get it and includes your information displayed on the driver’s license. You will likely need to provide a passport-style photo that the agency can attach to the IDP.

Car insurance for international drivers in the U.S. also depends on where you plan on staying. Each state in the U.S. has its own rules and insurance requirements. Most states only ask for liability insurance to legally drive, which helps pay for damage and injuries others sustain in an accident you cause. A small number of states also require you to have underinsured/uninsured motorist insurance , which kicks in to help pay your expenses if the party at fault does not have insurance.

In no-fault states, drivers usually carry coverage for personal injury protection (PIP) and/or medical payments to cover their medical expenses regardless of fault in addition to liability coverage. PIP pays for medical and burial costs, lost wages, childcare expenses and other household services, regardless of who was at fault in the accident. Medical payments coverage only covers medical payments.

Car insurance rates by state will vary based on local factors such as local cost of living, population density and crash statistics. Your car insurance rates will also vary based on whether you have full or minimum car insurance coverage. While minimum coverage car insurance is typically cheaper, it can leave you financially vulnerable in the event of an accident. If your car insurance doesn’t cover the full amount of damages, you may end up having to pay out-of-pocket. Minimum coverage also does not include coverage for damage to your own vehicle. Full coverage car insurance , on the other hand,  includes coverage for your vehicle, may include other optional types of coverage and is more likely to protect your finances.

Compare auto insurance rates

Car insurance is legally required for all foreign visitors operating a vehicle in the U.S. (except in New Hampshire ), regardless of how temporary your stay may be. If you plan on driving a rental car in the U.S., most rental companies will offer travel car insurance. This is the option to purchase coverage for the entire rental period, as the protection extends to the rental vehicle itself.

Some foreign visitors choose to ship their foreign vehicles to America instead. This is an option that will require you to purchase a separate car insurance policy before you can legally operate your vehicle on U.S. roadways. Many of the cheapest car insurance companies can help you find the right amount of coverage for your foreign vehicle at an affordable rate, so you can begin driving as soon as you pay your first premium and your vehicle arrives.

What is a REAL ID?

A REAL ID is a driver’s license that meets a set of federal standards and can also be used as identification when you fly. These IDs have security specifications, including a hologram meant to prevent the creation and use of counterfeit IDs. The U.S. has worked in recent years to phase out traditional driver’s licenses and replace them with REAL IDs.

Whether or not you need to buy travel car insurance when visiting the U.S. depends on a number of variables. For example, if you’re visiting the U.S. for a short period and are renting a car during your trip, you may not need to buy a separate car insurance policy. However, you’ll likely be required to obtain the insurance offered by the rental car agency in order to have liability coverage. On the other hand, if you’re visiting friends or family and don’t plan on driving during your trip, or plan to use public transportation, you won’t need car insurance for international drivers during your time in the U.S.

Can I use an international driver’s permit without a license?

An international driving permit (IDP) is essentially a translation document that complements, but does not replace, your foreign driver's license. It's important to understand that an IDP on its own does not grant you the legal right to drive a vehicle in the United States or elsewhere. Instead, it serves to provide a clear, internationally recognized translation of your existing driver's license, which can be useful if your license is not in English.

To drive legally in the U.S., you must carry your foreign driver’s license along with the IDP. The IDP is recognized in many countries and is useful for both identification purposes and to aid local authorities in interpreting your foreign driver’s license. However, it is not a standalone document for legal driving. If you are found driving without your valid foreign driver’s license but with only an IDP, it could be considered driving without a license, which is a serious offense.

Can foreigners get car insurance in the USA?

Yes, you can get car insurance for foreigners in the U.S.A. To do so, they typically need a valid foreign driver’s license and, in some cases, an IDP may be required. Insurance providers in the U.S. may offer various coverage options suitable for foreign drivers, whether they are short-term visitors or longer-term residents. It's essential for foreign drivers to research and compare different insurance policies to find coverage that best suits their needs and complies with state-specific regulations.

Does my driving record in another country affect the cost of my insurance in the U.S.?

Typically, car insurance companies don’t consider driving records from a foreign country, so foreign drivers are usually treated as new drivers by insurers. Unfortunately, this means that you might pay slightly higher rates even if you have a perfect driving record in your home country due to lack  of available driving history. However, the only way to find the actual cost of your car insurance in the U.S. is to request a quote based on your personal factors .

Can I get a car insurance policy without a Social Security number?

Whether you can get car insurance without a Social Security number (SSN) depends on the location and  insurance company. If you request a quote and are denied for not having a SSN, you might want to shop around. More states and insurance providers are working with foreign drivers to ensure they are covered on U.S. roads, so you might have luck with another provider.

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Car Insurance in the USA

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Compare Quotes from Multiple Insurers

Whether you’re a foreign national, a permanent resident, a U.S. citizen returning home, or an expat moving to America and looking for car insurance in the U.S.A., you can pick from several coverage options.

Save time and get a car insurance quote in the United States that fits your needs by comparing rates from multiple insurance carriers across the United States.

Available Vehicle Coverages for the U.S.

Car insurance.

Having a car in the U.S. can let you go anywhere. Before you start driving, know that most states in America require valid auto insurance. If you don’t have it, you could end up paying hefty fines or face jail time.

Choose a car insurance bundle with the coverage types and add-ons you need. That way, you can minimize your risks and keep your costs low regardless if you are an expat, resident, or U.S. citizen.

Motorcycle Insurance

Nothing says “freedom” like hitting the open road with your motorcycle. Just like driving a car, you’ll likely need motorcycle insurance, as most states require you to carry it. Motorcycle insurance can cover you and your motorcycle for things like accidents, damages, and theft.

No rider is the same, so choose a motorcycle insurance bundle with the coverage types and add-ons that fit your needs.

ATV Insurance

Love the thrill of driving an ATV? Getting specialized ATV insurance coverage is recommended, as accident and theft risks can be much higher with these vehicles.

RV Insurance

RV insurance can protect you from unforeseen risks, whether you’re looking to insure your RV or modify your current coverage. Our insurance advisors can help you pick the coverage that best fits your needs.

Boat Insurance

With a boat, adventures can feel limitless. Like most things in life, owning a boat can come with risks and responsibilities. Even though most states don’t require boat insurance, having it can be the difference between an inconvenience and financial strain. Quotes typically are quite affordable, but pricing can depend on the type of boat you have.

Jet Ski Insurance

Owning a jet ski is a lot of fun, especially if you’re an experienced rider. In some circumstances, having jet ski insurance can be necessary, as riding without it could leave you liable in the event of an injury or accident. Speak to our insurance advisor to see if jet ski insurance is right for you.

Classic Car Insurance

While it may be a cherished hobby of yours, maintaining your classic car can leave a hole in your wallet if something happens to it. Classic car insurance can fit the unique needs of your vintage ride and typically costs less than your standard car insurance policy.

Umbrella Car Insurance

Umbrella coverage can provide additional protection on top of your standard car insurance coverage in the US. It can be a great addition if you worry your existing liability coverage isn’t adequate.

Clements Worldwide offers all this through our partnership with  bolt agency , making your transition to the United States much easier with affordable and comprehensive insurance solutions.

Request a U.S. Car Insurance Quote

What are the main types of car insurance in the u.s..

Liability Insurance – covers the other driver’s property and bodily injuries if you’re at fault in an accident

Comprehensive Coverage – protects your vehicle from non-driving events such as theft or acts of nature, like hail damage

Collision Insurance – covers car accidents or collision with a stationary object

Most U.S. states require basic liability insurance that provides coverage in the event you injure a person (bodily liability) or damage their property (property damage liability). Each state in America has different minimum car insurance requirements, but many follow the “25/50/25 limit” which is:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

In addition to the above types of auto insurance in the U.S., there is also stated amount and agreed/guaranteed value insurance, but these coverages are usually only applied in unique circumstances, such as insuring expensive or modified vehicles.

For specific limits in your state, consult an insurance professional or contact your state’s Department of Motor Vehicles (DMV).

Which Insurance Do I Need?

Your state’s legal limits, which vary by state.

Financial risk you are willing to assume should something happen to your car, as described above. If you are unable or unwilling to pay out of pocket for those events, then you should consider comprehensive and collision coverage.

Be prepared! If you are unsure which insurance is right for you, please speak with a licensed insurance professional to ensure your level of coverage is sufficient to prevent being financially blindsided in the event of an accident.

How Will I Get My Quote?

After submitting the quote form, you will receive an email in response to your request for a U.S. car insurance quote

A licensed insurance agent will contact you by phone or email to help you find suitable coverage

The agent will then provide you with multiple insurance quotes to review and choose from

Select the quote that best fits your needs

Submit your payment details by phone or email with a DocuSign application form

You’ll receive an email confirming your new insurance policy details

How Does American Car Insurance for Foreigners and Expats Work?

We do not require a U.S. driver’s license to obtain a car insurance policy

The claims process is the same for non-U.S. citizens

A live person is available 24/7 to handle your claims

What are the Benefits of Expats in the U.S. Using Clement?

Do short-term visitors to the u.s. need to be insured.

Yes. Both visitors and residents are legally required to carry the minimum auto insurance requirement for the state in which they are visiting or living. Vehicle insurance in America is necessary whether you rent, own, or lease the car. Rental car companies usually provide tourists with insurance options, but depending on the length of your stay, you may save money through an insurer instead of a rental car company. If you’re unsure which U.S. car insurance option is best for you, give our insurance specialists a call at 1-833-385-2866 to discuss your options.

bolt is one of the world’s leading property and casualty (P&C) insurance marketplaces, with a broad range of carriers and insurance options available. On behalf of Clements, their licensed agents will assist you in understanding your insurance needs, answering questions, and addressing any concerns you have.

Coverage available may vary depending on the state you live in. Our expert agents can provide details on what’s available for your location.

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1-833-385-2866.

You’ll speak directly with an agent when calling during business hours:

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FAQs About U.S. Car Insurance

What should i think about when looking for u.s. car insurance.

Make sure you consider:

• The financial responsibility requirements for your state
• The quality of the company’s claims service
• What level of liability coverage fits your needs
• The type of optional coverage you want

Does Clements Offer Car Insurance for Non-U.S. Citizens?

Yes, non-U.S. citizens can get car insurance in the U.S.! Clements specializes in providing expats—those who reside outside their home country—with insurance.

Is It Possible to Purchase Car Insurance in America with an International Drivers License?

Yes. Our policies are created with expats’ needs in mind and we are able to provide car insurance in the U.S. for expats with an international drivers license. Our agents are dedicated to finding the best options for car insurance for foreigners in the USA and making the process seamless.

How Does Collision Coverage Differ from Comprehensive Coverage?

Collision Coverage pays for damages when your car collides with another vehicle or object.

Comprehensive Coverage typically covers your vehicle for other direct physical damage losses, such as hailstorms, theft, vandalism, glass breakage, etc.

What Can Affect the Cost of My U.S. Car Insurance Premium?

A few things that can impact your premium costs, like:

• The type of car you drive
• Where you commute to (work or school)
• Where you store your car
• Your credit worthiness

How Can I Lower My Car Insurance Rates?

You can lower your auto insurance by:

• Making sure insurers are offering the same or comparable coverage
• Increasing your deductible on your comprehensive collision coverage
• Seeing if you’re qualified for any discounts

Additional Policies for All Your Needs

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U.S. Home Coverage

Save time and money by finding a U.S. Home insurance solution that fits your needs. Find out how you can cover your home with peace of mind.  

U.S. Pet Coverage

Keep your furry family member happy and healthy. Discover how U.S. Pet insurance can support your cat or dog.  

Still have questions? Fill out the form or call us at 1-833-385-2866 during business hours: Monday – Friday, 8am – 8pm, EST

June 1, 2020

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The Savvy Traveler's Guide to Overseas Rental Car Insurance

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at 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.

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...

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Overseas Insurance

Moving overseas? Get an overseas insurance quote.

Select a country:, products available in belgium:.

• Marine Transit (Car Shipping)
• Personal Property (Renter's)

Start your overseas insurance quote:

Driving to Canada? Learn more about car insurance coverage in Canada .

Products available in germany:.

• ADAC Roadside Assistance

Products available in Ireland:

Products available in italy:, products available in mexico:, products available in spain:.

Please include "Spain" and your destination city in the message to get a free quote.

Products available in the United Kingdom:

• Personal Property (Renter's)

Products available:

• Auto (Physical Damage including Transit Coverage)

To manage an existing policy you can:

Call an agent in your country

Email [email protected]

Call (800) 248-4998 from the US. Calls are forwarded to our European office, please call Mon – Fri 2:30 AM – 11:00 AM (Eastern Time).

From outside the US, call +49 631-414-63100 . Hours are Mon – Fri 8:30 AM – 5:00 PM (CET).

Need an overseas insurance quote?

Existing policyholder?

What is overseas insurance?

Overseas insurance is an easy way to protect your car, motorcycle, or personal property when you move to a different country. Please note that overseas insurance isn't travel insurance and doesn't include health insurance.

If you're moving abroad, whether with the military, government, or as an expat, GEICO Financial Services GmbH (a GEICO affiliate) can help take the hassle out of getting international car insurance, motorcycle insurance, and personal property insurance coverage. If you're shipping your car, they can help arrange international marine transit insurance. GEICO GmbH can connect you with the international insurance you need.

Who may need overseas insurance coverage?

People who are often looking for an overseas insurance policy are:

• Military personnel
• Government employees
• Expatriates

What does overseas insurance cover?

Depending on your country, GEICO GmbH may be able to assist with international insurance for cars, motorcycles, personal property (renters), and marine transit.

For your specific location, please contact us. We're here to help!

Getting international car insurance

Driving your car.

If you plan to drive your car outside of the United States, it's important to make sure you have proper auto insurance coverage before hitting the road. Our auto insurance policies do not extend to cover you in foreign countries, so it's important to research and obtain additional coverage. Check the specific insurance requirements for the country you'll be driving in, as they can vary widely. It's recommended to plan ahead and purchase coverage well in advance of your trip to ensure that you're protected while driving abroad.

International rental car insurance

You should consider purchasing international rental car insurance when renting a car abroad to protect yourself from potential damages or accidents. There are many credit card companies and rental car agencies that offer insurance coverage, but you should read the terms and conditions carefully to make sure you're adequately covered. You should contact your credit card company with questions about coverage and compliance with international auto insurance policies.

Before you drive or rent a car in a foreign country, make sure you know the specific insurance requirements and laws. Some countries may require you to purchase certain types of coverage or provide proof of insurance before you're allowed to drive on their roads. It's also important to note that insurance coverage may vary widely depending on the country, so it's important to do your research in advance.

Be sure to carefully review the international rental car insurance policy before purchasing it to ensure you know what is covered. Some policies may have exclusions or limitations that could leave you vulnerable in certain situations. Also, be aware of any deductibles or out-of-pocket expenses that may apply if the rental car is damaged or in an accident. By doing your research and carefully reviewing your options, you can ensure that you're adequately protected while driving a rental car abroad.

International Insurance for Cars, Motorcycles, and Personal Property

GEICO GmbH can help you with your international insurance needs when you're moving to Europe. From arranging marine transit insurance to cover your vehicle while it's being shipped overseas to finding the coverages you need when you get there. They'll work with you to help you get the coverage you need so you can spend more time getting used to your new home.

International Motorcycle Insurance

Riding your motorcycle in other countries can be different than in the US. However, like the US each country has their own laws, so be sure to check for things like:

• Helmet laws
• Special license plate tags
• Special insurance requirements

International Property Insurance

GEICO GmbH can help you protect your personal belongings even when you're abroad. Typical things that can be covered are:

• Smoke damage
• Theft and more

Help with overseas insurance when you move abroad.

Country-specific agents.

Around the corner, even halfway around the world. Stop in, call, or email the right overseas contact to speak with someone who knows the ins and outs of international insurance coverage in your area.

Easy Payment Methods

With flexible payment plans, choose a plan that works for you. For more information, contact your overseas insurance agent .

Other International Insurance Options

Travel or short-term insurance.

If you're taking a vacation, going home for the holidays, or visiting friends, travel insurance can help protect your trip. The last thing you want to think about is something going wrong. GEICO can get you a quote for travel insurance for additional peace of mind.

Mexico Auto Insurance

If you drive your car into Mexico, your US auto insurance policy can't come with you. Driving your car in Mexico requires a separate international auto insurance policy. But don't worry. GEICO can help you get a Mexico auto insurance quote .

Canada Auto Insurance

Driving your car into Canada? Learn more about car insurance coverage in Canada or contact a GEICO licensed agent for additional information.

Overseas Insurance: Get the answers you're looking for.

• What type of policy options are available overseas? Coverage options vary by location, but in many countries, we can help you with auto, motorycle, personal property (renter's), and marine transit (car shipping) coverages. For more information contact us .
• What information do I need before I move? Moving overseas can be a challenge – but we can help! Determine what coverages you'll need if you're storing your vehicle in the USA, or shipping it across the ocean and registering it in a foreign country. Learn more before you go !
• Does GEICO offer other services for members of the military? GEICO has been proudly serving our military personnel since we opened in 1936. Our military team is composed of veterans who understand the unique circumstances of our servicemen and women. For more information on military services .
• Does an overseas policy cover my US-registered vehicle if I'm using it to drive on holidays? Generally, our overseas auto policies are only available to customers who will be living in and registering their vehicle in their new country. Please contact an overseas agent .
• Does GEICO offer other services for government employees? In 1936, Leo and Lillian Goodwin started an insurance company to serve federal government employees. That company was Government Employees Insurance Company, or GEICO. We continue to support federal employees as we share a special history together.
• How do I maintain my overseas insurance? GEICO Financial Services GmbH , our affiliate in Germany, can help you find insurance coverage while you are overseas and has local agents in Europe to assist you. GEICO also has storage options for your vehicle if you're leaving it behind in the US.
• Does my overseas insurance policy extend coverage to driving in the United States? No. A U.S. auto insurance policy is required to drive in the United States.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. Flexible payment plans may not be available for all products. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Overseas coverages are provided by non-affiliated companies through GEICO Financial Services GmbH, a GEICO affiliate, representing Mirascon Versicherungsagentur GmbH in Belgium and Germany, representing Clements Worldwide in England and Wales and the European Union, and representing Patria Hispana, S.A. de Seguros y Reaseguros in Spain. Overseas offices other than Kaiserslautern are operated by independent contractors.

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Mexico Tourist Auto Insurance and Mexico Watercraft Liability Insurance coverages are written through non-affiliated insurance companies and are secured through GEICO Insurance Agency, LLC.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

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Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

• Main content

Obamacare for 'Dreamers': Biden expands access to affordable healthcare for DACA recipients

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Beneficiaries of the Deferred Action for Childhood Arrivals, commonly known as DACA, will now be eligible for health coverage and financial assistance under the Affordable Care Act, granting about 100,000 undocumented immigrants the chance to enroll in health care coverage through the federal health insurance marketplace.

The new rule, announced Friday by the Biden administration, will help streamline administrative and verification processes, promoting greater clarity and transparency, according to a statement from the White House.

"Nearly twelve years ago, President Obama and I announced the DACA program to allow our young people to live and work in the only country they’ve called home," President Joe Biden said in his statement on the new rule. "I’m proud of the contributions of Dreamers to our country and committed to providing Dreamers the support they need to succeed."

DACA recipients, commonly known as "Dreamers," will be able to apply for coverage starting in November through the HealthCare.gov website and through state marketplaces, where they may qualify for financial assistance when purchasing health insurance coverage.

Prep for the polls: See who is running for president and compare where they stand on key issues in our Voter Guide

Immigrants 'deserve access to these resources'

More than one-third of DACA recipients currently do not have health insurance, and limits on healthcare access have significant impacts on the health of hundreds of thousands of Dreamers.

Mario Montoya, research analyst and coalition consultant for the Arizona-based Aliento organization, has experienced concerns about the cost of going to the doctor and the impact this can have on his health.

"I've been in that situation before, needing a simple checkup or physical exam and not having insurance or the availability of services at a lower cost," Montoya said in an interview with La Voz Arizona/The Arizona Republic. "(The new rule) benefits me personally."

As a DACA recipient, Montoya said he was excited about the implications this rule will have for the health of many people in his situation across Arizona and the country.

As of March 2024, the United States Citizenship and Immigration Services reported more than 530,000 active DACA recipients , of which approximately 4%, or just over 20,000 people, were located in Arizona, according to the Migration Policy Institute. The majority of DACA recipients are from Mexico.

Aliento is a local organization that seeks to improve the well-being of those impacted by the inequalities of not having legal immigration status in the United States.

“This is a step in the right direction, and I am glad to see that many people will now have access to affordable health care,” Montoya said. However, the battle does not end here, he said.

When this measure was initially introduced in April 2023, it sought to extend the Affordable Care Act to include DACA recipients and the scope of Medicaid and the Children's Health Insurance Program, which was not successful.

“(Undocumented immigrants) have been living here for a long time, paying taxes, and they are part of the working population that is essential to our community,” Montoya said. “They deserve access to these resources to care for their well-being.”

Nearly 1 million DACA recipients since 2012

According to USCIS, more than 832,000 young immigrants have benefited from this program since its inception. Beneficiaries of the protections provided by DACA have received work permits and the ability to go to school and build their lives without the constant threat of deportation.

A survey by the Center for American Progress estimates that 254,000 children born in the U.S. have a parent who is a DACA recipient , and 1.5 million people live with a DACA recipient. From these mixed-status families, the government receives more than $5 billion in federal taxes and $3 billion in state and local taxes. Additionally, these households have a combined $24 billion in purchasing power.

The benefits to Dreamers have allowed a significant sector of the population in this country to advance in educational and professional terms. Still, the program has not lived up to its original promise: citizenship.

The DACA program began in 2012 through an executive order signed by President Barack Obama to protect young immigrants who came to the United States as children from deportation. Despite efforts over the past decade to create permanent solutions and provide a path to citizenship, this has yet to happen.

In 2018, former President Donald Trump announced the decision to rescind DACA. Since then, the status of the program has been renewed but its future remains uncertain, and with it, the benefits currently offered to Dreamers.

Reach La Voz reporter Silvia Solis at [email protected] .