expedia travel insurance claim

Expedia Flight Cancellation & Insurance (7 Important Facts)

If you want to cancel a flight that you booked through Expedia, you need to know 7 things so that you don’t get frustrated and get every penny you owe from Expedia or your airlines.

This article also talks in-depth about Expedia travel insurance. The information outlined here will help you save money on your next trip.

Can Expedia Flights be Canceled?

The US Department of Transportation requires every airline to provide a 24-hour free cancellation option upon booking an airline ticket. Expedia honors this law.

It doesn’t matter whatever type of plane ticket you purchase from Expedia; your flight can be freely canceled within 24 hours of your ticket purchase, and you can get a full refund without any fees.

However, once the 24 window passes, Expedia will apply the airline ticket cancellation policy.

If you bought a refundable ticket, airlines would allow you to cancel your flights and refund you, but they would cut the cancellation fee from your refund money.

Budget airlines such as RyanAir, Frontier, and Spirit handle all the cancellation by themselves, and most of the time, they sell non-refundable tickets. Therefore, contact your airline directly if you want to cancel these tickets. 

Sometimes, they can cancel a non-refundable ticket and give you travel credits which you can use at a future date with the same airline. However, they will not refund your full money; they will charge you a cancellation fee.

Can You Get a Refund from Expedia if Your Flight is Canceled?

Expedia offers two types of airlines on its platform for booking. 

• Low-Cost Airlines
• Full Service Airlines

RyanAir, Frontier, AirAsia, Spirit, EasyJet, or Jetstar are low-cost airlines. If you hold tickets from any of these airlines and it gets canceled, you have to talk to the airlines for a refund or future alternatives directly. Expedia can’t help you get a refund with these airlines.

However, if the full-service airline cancels your flight, Expedia will handle all the refunds, and you don’t have to call the airline. Expedia will refund your money in original form to your bank or credit card. It may take up to 7 days to process the refund.

Related : 8 Reasons Why Expedia Is So Cheap (In-Depth Explanation) 

Does Expedia Travel Insurance Cover Cancellation?

The Expedia travel insurance will not cover your flight cancellation either by you or your airline carrier. Travel insurance has strict claim guidelines, which we discussed below.

There are two types of Expedia flight insurance:

• Flight cancellation plan
• Flight protection plan

The flight cancellation plan is for domestic flights within the USA except for Alaska and Hawaii. The flight protection plan is for international flights, including Alaska and Hawaii.

Expedia doesn’t give these insurances. A third-party company named “AIG” provides this insurance. It’s similar to the car’s extended warranty that auto dealers sell. It costs a lot of money but isn’t that helpful.

Both of these travel insurance will refund your flight cancellation money if and only if the following criteria are met:

• You or your travel companion becomes seriously sick or injured and needs hospitalization. If the Physician says that your or your travel companion’s injury is life-threatening and you can’t travel, you can file a claim with AIG. However, you must submit a certified paper from your Physician when you file a claim. AIG will call your Physician to find the authenticity of your claim. Your claim will be denied if your hospital or Physician doesn’t receive the call.
• You or your travel companion receive a jury duty subpoena, or you are required to visit court as a witness in legal action.
• If you lose your job and were employed with the same employer for the last 12 months.
• You get into an accident while going to the airport and need medical attention. When filing your claim, you must submit a police report and certified hospitalization paper.
• You lose your passport. You must submit a police report with your claim.

As you can see, the travel insurance will refund you if and only if any of these things happen to you. 

Expedia flight insurance will not refund your money if you cancel for any other reason.

However, please remember that criterion 4 and 5 doesn’t apply to all state residents. For example, for Indiana residents, these two criteria don’t apply. Therefore, if you lose your passport, AIG will not refund you.

Read the flight insurance policy from AIG here .

Related : Expedia Refunds (8 Things You Must Know For Quick Refund)  

Is Expedia Cancellation Plan Worth It?

The Expedia flight cancellation plan does very little to protect a consumer. The claim criteria are ridiculously challenging and apply to almost no one. For most airline passengers, the cancellation plan is a waste of money.

In five rare circumstances, Expedia travel insurance will refund your money. Those circumstances are not only rare, but you will also have a hard time filing your claim successfully because of paperwork and verification.

It is not only an expensive plan, but it’s also useless. 

We highly recommend you not buy the cancellation plan because AIG will usually deny your claim outright. This is how these insurances work. 

The Expedia cancellation plan isn’t worth your hard-earned money.

Is Expedia Free Cancellation Really Free?

Expedia, on their website, advertises that they offer free cancellation. However, these cancellations aren’t really free. 

Expedia is saying that they don’t charge the customer for cancellation. But the airlines or hotels might charge you a cancellation fee. If they do, Expedia will pass the cancellation fee to you. 

Why Did Expedia Cancel My Flight?

Airline cancellation is common due to bad weather, pilot shortage, airline maintenance, or other reasons.

Expedia doesn’t cancel flights; airlines do. If you get your flight cancellation email or notification, call Expedia immediately.

Even though you have booked your flight through Expedia, it’s better to contact the airlines and ask for a refund. Or ask them to give you another ticket for your trip.

Sometimes Expedia proactively will book another flight for you. 

Remember that Expedia will not reimburse you if you need to stay extra a few days in a hotel, nor will they refund you any money if you must leave early due to flight schedule changes.

If you need hotel accommodations due to flight cancellations, you have to talk to airline customer support.

If either Expedia or your airlines refuse to give you another flight ticket or refuse you a full refund, call your credit card company and put a chargeback claim. It’s because Expedia failed to provide you with a service for which they took the money.

How to Cancel Expedia Flight Insurance?

If you purchased the flight insurance, you have 15 days to cancel it to get a full refund of your insurance premium. However, if you already filed a claim with the insurance, you can’t cancel it.

To cancel the flight insurance, follow the steps outlined below:

• Go to My Trips on the Expedia website.
• Select Cancel insurance and follow the instructions.

You can also call Expedia to cancel your flight insurance.

Is Expedia Travel Insurance Worth It? Your Questions Answered

Expedia is a popular travel booking site that offers a variety of travel insurance options. But is Expedia travel insurance worth it? In this article, we’ll take a closer look at Expedia’s travel insurance policies to help you decide if it’s the right choice for you.

We’ll cover everything from the different types of coverage offered by Expedia to the cost of their policies. We’ll also provide tips on how to get the most out of your Expedia travel insurance policy.

By the end of this article, you’ll have a better understanding of Expedia travel insurance and you’ll be able to decide if it’s the right choice for your next trip.

• What is Expedia Travel Insurance?

Expedia Travel Insurance is a travel insurance policy that can be purchased through Expedia.com. It provides coverage for a variety of travel-related risks, such as trip cancellation, lost luggage, medical expenses, and emergency medical transportation.

Types of coverage offered by Expedia Travel Insurance

Expedia Travel Insurance offers a variety of coverage options, including:

• Trip cancellation: This coverage reimburses you for the cost of your trip if you have to cancel for a covered reason, such as a medical emergency or a natural disaster.
• Lost luggage: This coverage reimburses you for the cost of replacing lost or stolen luggage.
• Medical expenses: This coverage reimburses you for medical expenses that you incur while traveling, such as doctor’s visits, hospital stays, and prescription drugs.
• Emergency medical transportation: This coverage reimburses you for the cost of transporting you to a medical facility in the event of a medical emergency.
• Baggage delay: This coverage reimburses you for the cost of essential items if your luggage is delayed in arriving at your destination.
• Cancel for any reason: This coverage allows you to cancel your trip for any reason and receive a full refund, minus a small fee.

How much does Expedia Travel Insurance cost?

The cost of Expedia Travel Insurance varies depending on the length of your trip, the destination you are visiting, and the amount of coverage you choose. You can get a quote for Expedia Travel Insurance by entering your trip details into the Expedia website.

When is Expedia Travel Insurance worth it?

Expedia Travel Insurance is worth it if you are concerned about the risks associated with your trip. For example, if you are traveling to a high-risk destination, have a pre-existing condition, or are traveling with children, you may want to consider purchasing travel insurance.

Here are some specific examples of when Expedia Travel Insurance may be worth it:

• You are traveling to a high-risk destination. If you are traveling to a country with a high risk of natural disasters, political unrest, or crime, you may want to purchase travel insurance to protect yourself in the event of an emergency.
• You have a pre-existing condition. If you have a pre-existing condition, you may want to purchase travel insurance to cover the cost of medical expenses that you may incur while traveling.
• You are traveling with children. Children are more likely to get sick or injured while traveling, so you may want to purchase travel insurance to cover the cost of medical expenses.
• You are traveling for a business trip. If you are traveling for a business trip, you may want to purchase travel insurance to cover the cost of lost wages if you have to cancel your trip for a covered reason.

Of course, whether or not Expedia Travel Insurance is worth it for you depends on your individual circumstances. You should carefully consider the risks associated with your trip and decide whether the cost of travel insurance is worth the peace of mind.

Expedia Travel Insurance is a valuable tool that can help you protect yourself against the financial risks of travel. If you are concerned about the risks associated with your trip, you may want to consider purchasing travel insurance.

3. How to file a claim for Expedia Travel Insurance

Step-by-step guide to filing a claim for Expedia Travel Insurance

If you need to file a claim for Expedia Travel Insurance, here are the steps to follow:

1. Gather your documents. You will need to provide the following documents when you file your claim:

• Your Expedia Travel Insurance policy number
• Your original travel documents, such as your airline tickets, hotel confirmations, and rental car receipts
• Any medical bills or other documentation related to your claim
• A copy of your passport

2. Contact Expedia Travel Insurance. You can file a claim online, by phone, or by mail. The contact information for Expedia Travel Insurance is available on their website.

3. Complete the claim form. When you file your claim, you will need to complete a claim form. The claim form will ask you to provide information about your trip, your claim, and your damages.

4. Submit your claim. Once you have completed the claim form, you can submit it to Expedia Travel Insurance. You can submit your claim online, by fax, or by mail.

5. Track your claim. You can track the status of your claim online by logging into your Expedia Travel Insurance account.

What to do if your claim is denied

If your claim is denied, you can appeal the decision. To appeal the decision, you will need to provide additional information or documentation to support your claim. You can appeal the decision online, by phone, or by mail.

4. FAQs about Expedia Travel Insurance

Common questions about Expedia Travel Insurance

Here are some common questions about Expedia Travel Insurance:

Expedia Travel Insurance is a travel insurance policy that can help you protect yourself against unexpected expenses that may arise during your trip. These expenses can include medical expenses, trip cancellation costs, and lost luggage.

The cost of Expedia Travel Insurance depends on the length of your trip, your destination, and the amount of coverage you want. You can get a quote for Expedia Travel Insurance on their website.

• What is covered by Expedia Travel Insurance?

Expedia Travel Insurance covers a wide range of expenses, including:

• Medical expenses
• Trip cancellation costs
• Lost luggage
• Missed connections
• Accidental death and dismemberment
• Baggage delay
• Emergency medical evacuation
• What is not covered by Expedia Travel Insurance?

Expedia Travel Insurance does not cover all expenses. Some of the things that are not covered include:

• Pre-existing conditions
• Intentional acts
• Loss or damage to your belongings
• Expenses that are not reasonable or necessary

How do I file a claim for Expedia Travel Insurance?

To file a claim for Expedia Travel Insurance, you can do so online, by phone, or by mail. The contact information for Expedia Travel Insurance is available on their website.

• What if my claim is denied?

Expedia Travel Insurance can be a valuable tool for protecting yourself against unexpected expenses that may arise during your trip. However, it is important to understand what is and is not covered by your policy before you purchase it. By doing your research, you can make sure that you have the right coverage for your trip.

Is Expedia Travel Insurance Worth It?

Answer: Expedia Travel Insurance can be a valuable purchase for travelers who want to protect themselves from financial loss in the event of a trip interruption or cancellation, a medical emergency, or other covered event. However, it is important to weigh the cost of the insurance against the likelihood of needing it, and to make sure that you understand the terms and conditions of the policy before you purchase it.

What does Expedia Travel Insurance cover?

Answer: Expedia Travel Insurance covers a wide range of events, including:

• Trip cancellation or interruption: If you have to cancel your trip for a covered reason, such as a medical emergency or a natural disaster, Expedia Travel Insurance can reimburse you for your non-refundable travel expenses.
• Medical expenses: If you become sick or injured while on your trip, Expedia Travel Insurance can help cover the cost of medical treatment, hospital stays, and medical evacuation.
• Baggage loss or damage: If your luggage is lost or damaged while on your trip, Expedia Travel Insurance can help you replace your belongings.
• Trip delay: If your trip is delayed due to a covered reason, such as a weather delay or a mechanical failure, Expedia Travel Insurance can reimburse you for your extra expenses, such as meals and lodging.

Answer: The cost of Expedia Travel Insurance varies depending on the length of your trip, the number of travelers, and the level of coverage you choose. However, it is typically a relatively affordable purchase, and it can provide peace of mind knowing that you are protected in the event of a trip interruption or cancellation.

How do I purchase Expedia Travel Insurance?

Answer: You can purchase Expedia Travel Insurance when you book your trip on Expedia.com. The insurance will be added to your total purchase price, and you will be able to review the terms and conditions of the policy before you confirm your purchase.

Is Expedia Travel Insurance worth it?

Answer: Whether or not Expedia Travel Insurance is worth it for you depends on your individual needs and circumstances. If you are traveling to a remote destination, have a pre-existing medical condition, or are simply concerned about the possibility of a trip interruption or cancellation, then Expedia Travel Insurance may be a good investment. However, if you are healthy, are traveling to a major tourist destination, and are not concerned about the possibility of a trip interruption or cancellation, then you may be able to save money by skipping the insurance.

Answer: If you need to file a claim for Expedia Travel Insurance, you can do so online or by calling the customer service number on your policy. You will need to provide proof of your claim, such as medical bills, receipts for lost or damaged items, or a letter from your doctor stating that you were unable to travel due to a medical emergency. Expedia Travel Insurance will review your claim and make a decision on whether or not to approve it.

What are the terms and conditions of Expedia Travel Insurance?

Answer: The terms and conditions of Expedia Travel Insurance vary depending on the policy you choose. However, all policies have some common terms and conditions, such as:

• The policy must be purchased before you travel.
• The policy covers only certain events, such as trip cancellation or interruption, medical expenses, baggage loss or damage, and trip delay.
• The policy has a maximum payout amount.
• The policy has a deductible.
• The policy may have exclusions, such as pre-existing medical conditions.

It is important to read the terms and conditions of your policy carefully before you purchase it so that you understand what is covered and what is not.

Expedia Travel Insurance can be a valuable purchase for travelers who are looking for peace of mind and financial protection. However, it is important to weigh the costs and benefits of the policy before making a decision. Some factors to consider include the cost of the policy, the type of coverage it offers, and your personal travel needs. If you are unsure whether or not Expedia Travel Insurance is right for you, it is a good idea to speak to a travel agent or insurance specialist.

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What Is Expedia’s Travel Insurance Policy?

As much as we want our vacations to go according to plan — and many actually do — travel mishaps aren’t exactly uncommon. However, if you booked your trip with Expedia and took advantage of one of the company’s various travel insurance options, you won’t be left high and dry, figuring out solutions on your own. These plans are designed to protect you and your fellow travelers if something goes awry.

Insurance options include hotel, flight and vacation package coverage plans, each with different protection for the different aspects of your trip. Each insurance plan derives from a partnership between Expedia and Travel Guard insurance . Regardless of which type of plan you select, you can manage your trip, file claims (if necessary) and keep everything on track using Expedia’s accompanying online portal.

Basics of Expedia’s Travel Insurance Policy

Expedia partners with Travel Guard to provide travel protection services for your next vacation or any other trips you take. These services include flight insurance, hotel insurance, cruise insurance and even insurance for your entire vacation package. Expedia’s Package Protection Plan goes into effect once the company receives the appropriate plan payment.

Before choosing a plan, it’s important to browse through the descriptions and summaries of the different protection options to see what is covered and what isn’t. It won’t do you any good to pay for coverage you don’t need, and you also don’t want to risk any unpleasant surprises because you believe something is covered that isn’t.

You can access Expedia’s Customer Service Portal at any time after purchasing your insurance to change or manage your upcoming trip, check for government travel alerts and warnings, book a flight using airline credits, change the components in your vacation package and more. Expedia’s most current information is available through this portal.

Flight Insurance

Expedia has partnered with AIG’s Travel Guard to provide flight insurance via Flight Cancellation Plan and Flight Protection Plan insurance options. The Flight Cancellation Plan insures all domestic flights within the United States, except for Hawaii and Alaska. Under this insurance plan, you can expect to be reimbursed for the entire cost of your trip if you must cancel or shorten your trip for covered reasons. Each state has its own limitations and exclusions for residents.

The second flight insurance option is the Flight Protection Plan, which is available for all flights outside of the continental U.S., including Alaska and Hawaii. This plan includes everything you get in the Flight Cancellation Plan, plus additional benefits, such as medical assistance and coverage for any loss or theft as well as damage to your baggage or personal belongings. Accidental death is also covered under this plan.

To book flight insurance coverage, you can add the insurance to your flight during checkout or for a period up to 24 hours after your purchase. You can cancel the insurance before your trip for up to 15 days after you book the flight as long as you haven’t filed a claim. If you pay for the insurance at the same time as your flight and then cancel the flight online, your insurance purchase will also be canceled.

Hotel Insurance

Expedia also offers two Travel Guard hotel insurance options: Hotel Booking Protection (U.S. hotels only) and Hotel Booking Protection Plus (outside U.S.). The Hotel Booking Protection plan covers trip cancellation as well as trip interruption for up to the total cost of the trip. Trip delay coverage can be used if you experience a delay of six hours or more or if a delay causes you to miss a night of a hotel stay. Baggage delay insurance protection is also included in this insurance plan. If you need to cancel or shorten your trip due to covered reasons, you will be reimbursed for the total cost of your trip, up to a maximum of $3,000.

The Hotel Booking Protection Plus plan includes everything the Hotel Booking Protection plan offers along with expense coverage for accidents, sickness and certain medical conditions. You also have insurance protection in the event of an emergency evacuation. These extra coverages are only available when staying in hotels outside the U.S.

Cruise Insurance

Expedia’s Cruise Travel Protection plan covers you if your cruise is canceled or unavoidably delayed. It also provides coverage in the event of unforeseen medical expenses along with lost luggage. Make sure you read the terms carefully for limitations and exclusions.

Vacation Package Insurance

Through its partnership with Travel Guard, Expedia provides two vacation package travel insurance options: Package Protection Plan and Pre-Travel Vacation Waiver. With the Package Protection Plan , your coverage protects you when you must cancel for certain covered reasons. You also get insurance coverage for trip delays and interruptions as well as medical expenses you may incur after your departure.

Just as the name indicates, the Pre-Travel Vacation Waiver provides protection from certain costs before you travel but doesn’t provide any coverage on your trip. The waiver allows you to cancel or change your package reservation one time before your scheduled travel date without paying any fees to make these changes.

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Get a quote today., expedia travel insurance: plans, costs, reputation, & services.

Expedia markets itself as “the world’s travel platform.”

In business since 1996, the company has grown to be one of the biggest travel insurance providers in the world.

Expedia’s plans can be customized with a variety of add-ons and extra benefits that let travelers make sure they get the best travel insurance for their needs and budget.

Travelers can find out more about the costs of an Expedia travel insurance plan by visiting its website and inputting their personal information, with the details of their planned trip.

The company routinely provides flights and hotels, bundling travel insurance as part of this main offering.

Expedia’s travel insurance is only available for purchase when you book your trip and accommodation with the company.

Aon Affinity Travel Practice, who administers Expedia’s travel insurance policies, has a rating of A+ from the Better Business Bureau (BBB).

This is an indicator of the efficient way this company deals with complaints that are filed against it.

While it had 49 logged complaints within the last 12 months, according to the BBB, the company’s prompt response time is reflected in its A+ rating.

Expedia provides a mobile app which gives its customers the ability to file a claim from anywhere in the world.

It also offers 24/7 telephone support.

While this is a pretty standard offering in the travel insurance industry, it’s a great relief knowing that if you need to talk to your travel insurance provider from a different time zone, you’ll be able to.

An insurance company’s financial stability is regularly overlooked by potential customers, but can often be just as important as analyzing travel insurance reviews.

Expedia’s underwriting company, Stonebridge Casualty, has received a rating of “A” by A. M. Best through its parent organization Transamerica Casualty.

Financial stability should always be something to consider when you’re looking at travel insurance providers .

Expedia Travel Insurance Coverage & Plans

Expedia travel insurance offers a wide variety of coverage plans to ensure protection across a variety of situations.

Each offering has several available levels of coverage, so there’s a big chance you can find something that’s right for you to protect you when you’re away from home.

Expedia travel insurance provides the following types of coverage:

• Comprehensive
• Trip Cancellation/ Interruption
• Accidental Death

Expedia Package Protection

This plan provides trip cancellation and interruption coverage.

It also includes reimbursement for any expenses incurred if your travel is delayed due to mechanical failure, strike, or adverse weather conditions.

This plan also protects you in the event of medical emergencies and can help with the costs of medical expenses and medical transportation.

Baggage and personal property is covered, so any lost, stolen, or damaged items during travel can be replaced.

If a hurricane warning has been issued and you need to change the specifics of your trip, the company may waive cancellation fees and liaise with its partnering companies to waive its associated fees as well.

You can also receive assistance with re-booking the entirety of your trip, including your flight and any activities you may have booked.

Though Expedia only offers one travel insurance plan, the company has a wide range of add-ons.

These include coverage for lost passport and document assistance, emergency cash, translation services, medical case management, and concierge services such as restaurant or event referrals and reservations.

While these add-ons may understandably increase the cost of your travel insurance, they also provide you with a greater degree of protection and offer added value.

Expedia Travel Insurance Costs

Travel insurance generally costs between 4 and 8 percent of the total trip.

While this is the industry standard, the actual costs of your travel insurance usually depend on the level of coverage you select and how comprehensive your plan is.

Travel insurance companies base their actuarial math on several factors.

The length of the trip is a significant determiner, as the longer you’re traveling, the more likely adverse calamities could occur. Destination dramatically impacts the price as well.

If you’re visiting an area with a high crime rates, political unrest, or poor infrastructure, to name just a few, insurance providers may view you as a higher risk. The age of the policyholder can also influence the price of the premium.

Generally, consumers aged 70 or over can expect to pay considerably more for their travel insurance.

The price of travel insurance is calculated based on risk, and the older you are, the more your risk increases in the eyes of the insurance providers.

Travelers can get a quote from Expedia by visiting its website and providing precise details of the trip that they plan on making.

Expedia doesn’t have annual options available, so it may not be possible to get a standard rate year in year out.

There’s no minimum age limit for insuring children via this company, though dependents are covered under their parents’ policy.

Expedia only refunds policies purchased ten days before the trip, provided no claims have been made.

Customer Reviews & Reputation

Before purchasing any travel insurance policy, it’s important to look at the insurer’s reviews, to gain insight into the company should you need its services on your trip.

Expedia (through Aon Affinity) has been awarded the Better Business Bureau’s highest rating of A+.

Though this rating is not uncommon, it is noteworthy that Aon Affinity has closed 49 complaints in the past 12 months.

This high volume of complaints can be attributed to the fact that this company is quite a large insurance provider.

Customer Assistance Services

When you take out a travel insurance plan with Expedia, you benefit from 24/7 support and access to its mobile app, with paperless claim filing available.

Choosing a travel insurance company that has modern interfaces is always a good choice, as instant access can significantly reduce your stress should something go wrong on your trip.

Another critical aspect to consider, and one which may not initially cross your mind, is whether the insurance company you choose has 24/7 support available.

This is particularly important for travel to far removed time zones from your own.

Expedia also provides additional concierge services such as ground transportation, up to the minute travel advice, and event or restaurant referrals and bookings.

Expedia Travel Insurance Financial Stability

Financial stability is an essential factor to consider when choosing an insurance company.

Dedicated credit rating agencies such as A.M Best, Standard and Poor’s, and Moody’s analyze insurance companies and report their findings, publishing results regularly.

Good ratings with any of these are generally indicative of a company’s ability to meet its obligations.

Expedia is underwritten by Stonebridge Casualty, a subsidiary of Transamerica Casualty, which has received a rating of A from A. M. Best.

This high rating shows that the backing company can meet its ongoing insurance obligations.

If there were any concerns with the quality of the coverage offered by this company, or of its ability to make good on claims, A. M. Best would have a lower rating.

Expedia Travel Insurance Phone Number & Contact Information

• Homepage URL : https://www.expedia.com/
• Provider Phone : (877) 227-7481
• Headquarters Address : 333 108th Ave NE Ste 300, Bellevue, WA 98004-5736
• Year Founded : 1996

Best Alternatives to Expedia Travel Insurance

Not satisfied with what Expedia has to offer? These companies provide great travel insurance alternatives:

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below:

• Allianz Travel Insurance Review
• Aon Travel Insurance Review
• Carnival Travel Insurance Review
• Chubb Travel Insurance Review
• CSA Travel Insurance Review
• Expedia Travel Insurance Review
• Hotwire Travel Insurance Review
• IMG Travel Insurance Review
• InsureMyTrip Travel Insurance Review
• JetBlue Travel Insurance Review
• John Hancock Travel Insurance Review
• Medjet Medical Transport Insurance Review
• Orbitz Travel Insurance Review
• Patriot Travel Insurance Review
• Priceline Travel Insurance Review
• Progressive Travel Insurance Review
• Red Sky Travel Insurance Review
• Ripcord Travel Insurance Review
• Travel Insured International
• Travelex Travel Insurance Review
• USAA Travel Insurance Review
• USI Affinity Travel Insurance Review 
• World Nomads Travel Insurance Review

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Top 10 Benefits of Travel Insurance Through Expedia

Are you ready to embark on your next adventure? Remember the essential item that starts with the letter ‘T’ – travel insurance through Expedia!

In this article, we’ll explore the top 10 Expedia insurance benefits. From protecting your trip against cancellations and interruptions to providing medical emergency assistance, Expedia’s insurance partners offer comprehensive plans to ensure your peace of mind throughout your journey.

With 24/7 customer support, help is just a phone call away, no matter where you are. Plus, integrating insurance with your travel booking on Expedia is a breeze, making the entire process seamless and hassle-free.

So, before you take off on your next adventure, ensure you’re covered with travel insurance from Expedia.

Key Takeaways

• Expedia travel insurance offers comprehensive coverage, including pandemic-related issues, providing peace of mind for travelers.
• Integrating travel insurance with online booking platforms like Expedia offers a seamless experience for travelers.
• There is a growing emphasis on sustainable and responsible travel, with insurance policies adapting to these values.
• Technological advancements have made it easier for travelers to manage and claim their insurance remotely.

1. Trip Cancellation and Interruption Coverage

When booking your trip through Expedia, you can enjoy the peace of mind that comes with their comprehensive trip cancellation and interruption coverage. Expedia travel protection covers you in case you need to cancel your trip or if it gets interrupted for any reason.

Whether it’s due to an unexpected illness, a family emergency, or even a natural disaster, Expedia has you covered. Their travel insurance policy details provide the information you need to understand what’s covered and how to make a claim if necessary.

Expedia’s trip cancellation and interruption coverage is designed to protect your investment and provide you with financial peace of mind. So go ahead and book your trip with confidence, knowing that Expedia has your back.

2. Medical Emergency Protection

To ensure your safety and well-being during your travels, Expedia offers comprehensive medical emergency protection as part of their travel insurance coverage. With Expedia’s travel insurance, you can have peace of mind knowing you’re protected in a medical emergency while away from home.

The medical emergency coverage includes reimbursement for emergency medical expenses, hospital stays, and emergency medical evacuations. Expedia’s travel insurance policy details the specific coverage limits and benefits so you can understand exactly what’s included.

Whether it’s a sudden illness or an unexpected injury, Expedia’s medical emergency protection covers you.

Now, let’s move on to the next significant benefit: baggage loss and delay insurance.

3. Baggage Loss and Delay Insurance

Baggage loss and delay insurance are integral to a comprehensive travel insurance plan, offering essential protection for travelers. This coverage ensures peace of mind and financial assistance when luggage is delayed or lost. Here’s a closer look at the importance and benefits of this coverage:

• Financial Reimbursement : If your baggage is lost, stolen, or damaged during your trip, baggage insurance provides financial compensation, helping to cover the cost of replacing the lost items.
• Protection of Valuables : This coverage is crucial for travelers carrying valuable items like electronics, jewelry, or important documents.
• Coverage for Essential Purchases : If your luggage is delayed, the insurance typically covers the cost of essential items such as clothes and toiletries, ensuring you have what you need until your luggage arrives.
• Reduced Stress : Knowing you’ll be compensated for necessary purchases helps reduce the stress and inconvenience caused by delayed baggage.
• Peace of Mind : Baggage insurance provides travelers with peace of mind, knowing they’re protected against the financial impact of lost or delayed luggage.
• Comprehensive Travel Protection : Integrating baggage insurance into your travel plan means a more comprehensive coverage, protecting you from a broader range of potential travel issues.
• Convenience : In the event of baggage loss or delay, insurance streamlines the process of getting compensation, making it less hassle.
• In addition to baggage coverage, many travel insurance policies, including those offered by providers like Expedia, come with global travel assistance services. These services can include 24/7 emergency support, help with lost passports, medical emergencies, and more.
• Access to global travel assistance adds another layer of security, ensuring that you have professional support available no matter where you are.

Now, let’s explore the next important aspect of Expedia’s travel insurance: global travel assistance services.

4. Global Travel Assistance Services

Expedia’s travel insurance offers comprehensive coverage for international travel, providing essential services and support to ensure your safety and peace of mind during your journeys abroad. Here’s a detailed overview of their key offerings:

• Emergency Evacuation Services : Assists in arranging medical evacuations and ensuring safety during severe medical emergencies or natural disasters.
• 24/7 Global Travel Assistance : Offers round-the-clock support for any emergencies or issues you encounter during your travels. This includes access to a team of professionals who can provide immediate guidance and assistance.
• Expertise and Experience : Backed by trusted partners and extensive experience managing travel emergencies, ensuring a swift and effective response to various crises.
• Trip Cancellation and Interruption : Covers non-refundable expenses if your trip is canceled or interrupted due to covered reasons.
• Medical Emergency Coverage : Includes expenses for medical treatment, emergency medical evacuation, and repatriation of remains.
• Baggage Loss and Delay Insurance : Reimburses you for lost, stolen, or delayed baggage, reducing the inconvenience and financial impact of such situations.
• Rental Car Damage Protection : Provides coverage for damages to rental vehicles, which can be a significant concern when traveling abroad.
• Trip Delay Reimbursement : Compensates for additional expenses incurred due to unexpected trip delays.
• Accidental Death and Dismemberment : Offers financial protection in the unfortunate event of accidental death or dismemberment during the trip.
• Emergency Medical Transportation : Ensures coverage for emergency medical transport to the nearest appropriate medical facility if required.
• Reading customer reviews of Expedia’s travel insurance can provide insights into other travelers’ experiences, helping you gauge the reliability and effectiveness of their coverage.

In summary, Expedia’s travel insurance for international trips provides a safety net for various potential travel issues, from medical emergencies to travel inconveniences. This comprehensive coverage and efficient emergency response services ensure that travelers can enjoy their international adventures with confidence and security.

5. 24/7 Customer Support

Expedia’s customer support is a reliable resource for travelers seeking assistance with their travel insurance. When you have questions or need help with your policy, you can count on Expedia’s support team to provide prompt and knowledgeable assistance.

Here are three reasons why Expedia’s customer support stands out:

• 24/7 availability : Whether you’re planning your trip or already on the go, Expedia’s customer support is available around the clock to assist you with any travel insurance inquiries or concerns.
• Expert guidance : The support team is well-trained and experienced in travel insurance policies. They can help you understand the coverage options, compare different plans using travel insurance comparison tools, and find the right policy that suits your needs.
• Seamless integration : Expedia’s online travel insurance booking platform seamlessly integrates with their customer support, making it easy for you to access assistance whenever needed.

With reliable customer support, you can have peace of mind knowing that help is just a phone call or message away.

In the next section, we’ll explore Expedia’s comprehensive coverage options for flights.

6. Comprehensive Coverage for Flights

Expedia’s travel insurance offers comprehensive flight coverage, addressing various concerns like cancellations, delays, and lost baggage. Here’s a breakdown of these coverages:

• Financial Reimbursement : In case of flight cancellations, you are entitled to coverage for non-refundable expenses. This ensures you’re not financially burdened due to unforeseen cancellations.
• Flexibility : This protection allows you to rebook your flight or choose alternative travel arrangements without incurring extra costs.
• Peace of Mind : Knowing that your investment in travel is protected in case of cancellations can provide significant peace of mind.
• Reimbursement for Additional Expenses : If your flight is delayed, you can claim reimbursement for additional expenses like meals, accommodations, and transportation.
• Missed Connection : This coverage also extends to situations where you miss a connecting flight due to a delay.
• Including COVID-19 Related Delays : With the current global situation, coverage for delays related to COVID-19, such as quarantine requirements, adds an extra layer of protection.
• Compensation for Lost Items : If your baggage is lost during your journey, Expedia’s insurance offers reimbursement to cover the cost of your belongings, reducing the inconvenience of lost luggage.
• Customizable Insurance Options : You can tailor your insurance package to include specific coverages based on your needs, whether for high-value items or additional activities.
• Overall Assurance : Having coverage for lost baggage ensures you can travel without worrying about your luggage’s safety.

Making a Claim :

• If you need to make a claim, it’s essential to have all the necessary documentation, such as receipts and proof of delay or loss. Expedia’s customer support can assist you throughout the claim process.

Choosing Expedia’s comprehensive flight coverage can safeguard you against various travel-related uncertainties. Whether it’s a canceled flight, a delay, or lost luggage, having this protection can make a significant difference in your travel experience, offering financial security and peace of mind. Always review your insurance policy’s specific terms and coverage limits to ensure it meets your travel needs.

7. Adventure and Cruise Insurance Options

When considering adventure and cruise travel, exploring the insurance options available through Expedia is essential. Whether embarking on a thrilling hiking expedition or setting sail on a luxurious cruise, having the right insurance coverage can provide peace of mind. Expedia offers adventure travel insurance and cruise insurance options to cater to the specific needs of these types of trips.

Here is a table summarizing the key features of Expedia’s adventure and cruise insurance options:

Expedia’s adventure travel insurance covers trip cancellations or interruptions, medical emergencies, and baggage loss or delays during your adventure travel. Similarly, their cruise insurance options offer the same coverage for cruise-specific scenarios. Additionally, both options include global travel assistance and 24/7 customer support to assist you throughout your journey.

With Expedia’s adventure and cruise insurance options, you can confidently travel, knowing that you are protected against unforeseen circumstances that may arise during your trip .

8. Family-Friendly Plans

You’ll be pleased to know that Expedia offers family-friendly plans for travel insurance, ensuring that you and your loved ones are protected during your adventures.

Here are some key benefits of Expedia’s family travel insurance plans:

• Coverage for the whole family: Expedia’s plans provide comprehensive coverage for all members of your family, including children and elderly relatives.
• Affordable options: Expedia understands that family trips can be expensive, so they offer affordable travel insurance packages that fit your budget.
• Peace of mind: With Expedia’s family travel insurance plans, you can confidently travel knowing that you have protection against unforeseen events such as trip cancellations, medical emergencies, and baggage loss.

Choosing the right travel insurance for your family is essential, and Expedia makes it easy by offering tailored plans that prioritize your loved ones’ well-being.

9. Coverage for International Trips

Expedia’s travel insurance provides comprehensive coverage for international trips that ensures peace of mind throughout your journey. Whether you’re exploring ancient ruins in Greece or embarking on a safari adventure in Africa, Expedia has you covered.

Their multi-trip insurance policies are designed to meet the needs of frequent travelers, offering protection for multiple trips within a specified period.

Additionally, Expedia understands that different destinations have unique risks, so they offer destination-specific insurance coverage. This means that your policy will be tailored to your chosen destination’s specific risks and requirements.

10. Convenient Online Booking and Management

To conveniently book and manage your travel insurance, Expedia offers a user-friendly online platform where you can easily compare plans and customize coverage to suit your specific needs. Here’s why their online booking and management system is a game-changer:

• Streamlined Comparison : Expedia’s platform allows you to compare different insurance plans side by side, making it easy to understand the differences in coverage and pricing.
• Customizable Coverage : With Expedia, you can customize your insurance policy to meet your specific requirements. You can select the level of coverage for trip cancellation, medical emergencies, baggage loss, and more.
• Effortless Policy Management : Expedia’s online platform lets you easily manage your insurance policy. You can access your policy details, make changes, and renew or cancel your policy in one convenient place.

With Expedia’s convenient online booking and management, you can find the right travel insurance policy and have peace of mind while exploring the world.

Frequently Asked Questions

What are some specific examples of trip cancellation or interruption scenarios that expedia insurance benefits covers.

Expedia travel insurance covers specific trip cancellation or interruption scenarios such as illness, injury, or death of you, a travel companion, or a family member. It also includes coverage for natural disasters, travel supplier bankruptcy, and job loss.

How Does Expedia’s Medical Emergency Coverage Differ From Regular Health Insurance?

Expedia’s medical emergency coverage provides additional protection beyond regular health insurance, offering financial assistance for medical expenses, emergency medical evacuation, and repatriation. It ensures peace of mind during your travels, knowing you’re covered in case of unexpected medical situations.

Are there Any Specific Limitations or Exclusions for Baggage Loss and Delay Insurance Through Expedia?

There are specific limitations and exclusions for baggage loss and delay insurance through Expedia. Reviewing the policy details to understand what is covered and any conditions or exclusions that may apply is essential.

What Types of Global Travel Assistance Services Does Expedia Offer, and How Can They Be Accessed?

Expedia offers various global travel assistance services accessible through their customer support. Whether you need help with medical emergencies, trip cancellations, or lost baggage, Expedia provides support and ensures your peace of mind while traveling.

Can You Provide Examples of Situations Where Expedia’s 24/7 Customer Support Has Been Particularly Helpful for Travelers?

Expedia’s 24/7 customer support has been a lifesaver for travelers in various situations. From flight cancellations to lost luggage, their responsive and helpful team is always ready to assist you, ensuring a stress-free travel experience.

So, before starting your next adventure, remember to secure travel insurance through Expedia. You can travel with peace of mind with comprehensive coverage and 24/7 customer support.

And here’s an interesting statistic to keep you interested: did you know that 30% of travelers experience some form of trip interruption or cancellation? Don’t let unexpected events ruin your trip – protect yourself with travel insurance through Expedia.

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June 1, 2020

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

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How to Use Travel Insurance to Cancel a Flight

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Table of Contents

Basic process for travel insurance flight cancellation

Additional tips for travel insurance flight cancellation, if you need to cancel a flight with travel insurance.

Travel insurance can reimburse you for the nonrefundable portion of your flight expenses when you have to cancel a trip due to serious illness, a death in the immediate family, natural disaster or other reason specifically covered by your policy. But to make sure your claim is processed, you need to cancel your flight and file your claim the right way.

If you’ve been wondering how to cancel a flight with travel insurance — here's what you need to do.

The steps necessary to cancel a flight with travel insurance vary by travel insurance company, but many have the same basic process for submitting a claim.

1. Cancel your flight with the airline

Contact the airline to cancel your flight. For most airlines, this can be done online, through its app or by calling customer service. The airline isn't concerned about whether or not you have travel insurance protections.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

2. Determine the amount of your claim

When you cancel a plane ticket, you may be entitled to a refund of some or all of your ticket price. Travel insurance reimburses you for the nonrefundable portions of your affected travel plans; your claim amount is the price of your nonrefundable travel plans minus refunds that you have received, up to your eligible limits.

3. Start your claim

Claims can be started online or over the telephone with most travel insurance providers. Some allow you to submit your claim through their mobile app. To get started, have your policy information and travel details handy.

» Learn more: The majority of Americans plan to travel in 2022

4. Review the claim documentation checklist

Travel insurance companies often provide a checklist of documents you’ll need to process your claim. Gather all of the documents required by the insurance company, even if you don't understand why it is asking for them.

5. Submit your supporting documents

Once you have the documents, submit them to the travel insurance company for its review. It's best to submit all of the information at once, rather than piecemeal, so that the claims adjuster can quickly make a decision.

6. Respond to additional requests right away

If the insurance company requests additional documents or information, respond as quickly as possible. If too much time passes, your claim could be denied.

» Learn more: The best credit cards for travel insurance benefits

Here are tips for dealing with a trip cancellation to make the process as smooth as possible.

Determine if you're canceling for a covered reason. A common question travelers have when they need to cancel a trip is: Can I cancel my flight with travel insurance? Depending on your policy, the answer may be yes. With many trip insurance policies, you can expect to get reimbursed only if you cancel for a covered reason, like serious illness, terrorist attack or death in the immediate family. Review your policy to determine what reasons are eligible for coverage.

Document everything and save all receipts. Save all of your receipts, emails and other items related to the trip. Keep a journal of all communications with the airlines, your doctor (if applicable), the insurance agency and anyone else related to your claim. Consider scanning and backing up your documents in case they are lost.

Call your doctor if you’re sick. You may not be feeling well, but can you prove you are sick enough that a reasonable person would need to cancel the flight? A doctor’s advice that you cancel your trip can help prove that your travel insurance claim is valid.

Contact your travel insurance company right away. You should start your travel insurance claim as quickly as possible. If you don't submit your claim and supporting documentation within the required timeframe, your claim will be denied.

Consider rescheduling your flight. After the pandemic struck, many airlines dropped the fees for changing flights . If you are planning to make this trip in the near future, contact the airline to ask about rescheduling your flight. This could be quicker and easier than trying to get reimbursed through insurance.

Remember that travel companions might be covered, too. Review your travel policy to see if it covers travel companions as well.

Buy the right insurance coverage from the get-go. The most flexible types of plans are Cancel For Any Reason, or CFAR plans; you can avoid a lot of phone calls and proof-of-coverage demands by purchasing CFAR policies.

Travel insurance offers protection in case you need to cancel a flight. Follow the steps carefully and document everything to prevent the insurance company from denying your claim.

Before canceling, discuss your situation with the airline to see if you can cancel or reschedule your flight without incurring a fee. This may be quicker and easier than submitting a claim through your travel insurance provider.

To file a trip cancellation claim on travel insurance, contact your insurance provider online, through its app or by phone. They will provide detailed instructions on how to submit your claim, including what documentation they'll need based on your reason for filing a claim.

In many cases, yes, you can cancel your flight and be reimbursed if you have an eligible reason for canceling. You may not cancel the flight because you've changed your mind. You must have a valid reason that is detailed in your travel insurance policy.

Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

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

Start your claim

Generali is committed to providing prompt, fair and equitable claims service. Start here to file your travel insurance claim online or contact our claims group.

What is your policy number? We will use this to direct you to the correct page in our eClaims portal.

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Don’t know your policy number or don't have one? Click here .

If you need help filing your claim, please contact us. You can use our e-Claims Chatbot, email us at [email protected] ,  or call us toll-free at 800-541-3522. We're here to support you!

 If you have any questions after filing your claim, please feel free to reach out to our Customer Service Department. You can email us at [email protected] or call us toll-free at 800-541-3522. We're here to help!

Once you submit your travel insurance claim, you will receive an email confirming that we received it, and a dedicated claims team member will manage your case from start to finish. If any additional information is needed, they will contact you.

When you  file an eClaim , you can monitor the status of your claim or add required documents at that website.

We are pleased to provide details about the seamless payment process through the 'Bank of America - Recipient Select' digital payment hub. Follow the steps outlined below:

• Look out for an email from ‘Generali Global Assistance’ with the subject line ‘Initiate your payment from Generali Global Assistance.’
• Follow the link provided in the email to register.
• Log in or create an account using the email sent to your inbox.
• Verify your identity.
• Choose your preferred payment method within 5 days of registration. Options include bank transfer, debit card, Zelle®, PayPal, or check.
• Initiate your payment.
• Expect your payment to arrive within 1 hour to 14 days, depending on your chosen payment method.

Please note that failing to set up an account and/or initiate your payment within 5 days will result in defaulting your payment method to a check.

Payment timeframes

• Bank Transfer: 1-3 business days.
• Your Debit Card: Within 30 minutes to 1 day.
• Zelle®: Within 1 hour to 1 day.
• PayPal: 1-5 hours but may take up to 1 day.
• Check: 10-14 business days.

For more details, or to watch an instructional video, please refer to our full  FAQ .

The plan will go into effect the day after purchase at 12:01 a.m. Any loss that occurs before that time will not be covered under the plan. If you are unsure of your effective date, you may still go through the claims process to determine if you are eligible for benefits.

Claims need to be submitted within one year after a covered loss, but should be submitted as soon as possible.

• Travel Insurance
• Best Travel Insurance Companies

12 Best Travel Insurance Companies Of September 2024

Expert Reviewed

Updated: Sep 1, 2024, 10:16am

Key Takeaways

• The best travel insurance companies are  PrimeCover,   Travel Insured International and WorldTrips , based on our analysis of 42 policies.
• Travel insurance policies can compensate you for unforeseen events that can happen before or during your trip. Examples include if you have to cancel your trip for a reason listed in the policy, experience a delay or get injured during your trip.
• Our analysis found the average cost of travel insurance is 6% of your insured trip cost.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best Travel Medical Insurance
• Best “Cancel For Any Reason” Travel Insurance
• Best Medical Insurance For Visitors
• Best Senior Travel Insurance

Compare Travel Insurance Quotes

The best travel insurance companies, the best travel insurance companies in more detail, best travel insurance companies: summary, how much does travel insurance cost, what does travel insurance cover, when to skip travel insurance, methodology, best travel insurance companies frequently asked questions (faqs), compare & buy travel insurance.

• PrimeCover – Best for Evacuation
• Travel Insured International – Best for Non-Medical Evacuation
• WorldTrips – Great for Add-On Coverage
• TravelSafe – Best for Missed Connections
• Nationwide – Best for Policy Perks
• AIG – Best for Customization
• Seven Corners – Great for Medical & Evacuation
• AXA Assistance USA – Best for Baggage
• Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
• Travelex – Best for Families
• HTH Worldwide Travel Insurance – Best for Trip Interruption
• Nationwide – Great for Cruise Itinerary Change/Inconvenience

How We Chose the Best Travel Insurance

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

• 42 travel insurance policies evaluated
• 1,596 coverage details analyzed
• 102 years of insurance experience on the editorial team

BEST FOR EVACUATION

Top-scoring plan

Average cost

Medical & evacuation limits per person

$250,000/$1 million

We recommend the Luxe policy because it has superior benefit limits for nearly all core coverage types. We were especially impressed with its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

More:  PrimeCover Travel Insurance Review

• Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
• Non-medical evacuation benefits of $100,000.
• Superior trip interruption reimbursement of 200%, which is twice as much as many competitors.
• You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.
• Medical expense coverage of $250,000 per person is great, but some competitors provide $500,000.

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

Also included:

• Change benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Itinerary change benefits of $500.
• Lost golf fee benefits of $500 and lost ski/snowboard fee benefits of $150.
• Rental property damage liability benefits of $1,500.
• Search and rescue benefits of $5,000.
• Sports equipment rental coverage of $1,000.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• AD&D flight-only choices of $100,000, $250,000 and $500,000.
• “Cancel for any reason” upgrade.
• Increased trip delay coverage choices of $4,000 or $7,000.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

BEST FOR NON-MEDICAL EVACUATION

Travel insured international.

Worldwide Trip Protector

Average price

$100,000/$1 million

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

More: Travel Insured International Travel Insurance Review

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a three-hour delay.
• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

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

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

Optional add-ons offered:

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

I have been working with Travel Insured for over 15 years, and have been using them almost exclusively. Typically, they have been quite responsive and pay their claims in a timely fashion.

– Stephanie Goldberg-Glazer, chief experience officer of Live Well, Travel Often

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

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

Another option is the Atlas Journey Escape plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $150,00 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

• Very good travel delay benefits of $2,000 per person after only five hours.
• Good baggage insurance coverage of $2,500.
• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

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

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

WorldTrips offers a streamlined process for purchasing insurance online and filing claims. A user-friendly interface and efficient claims handling contribute to a positive customer experience and increased satisfaction.

– Joe Cronin , advisory board member

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

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

More: TravelSafe Travel Insurance Review

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a six-hour delay.
• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

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

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

TravelSafe packs essential coverage into budget-friendly rates without skimping on key benefits, and its responsive claims handling preserves peace of mind.

– Timon van Basten, tour guide and founder of Travel Spain 24

BEST FOR POLICY PERKS

Cruise Luxury

$150,000/$1 million

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

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

More: Nationwide Travel Insurance Review

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.
• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

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

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

Optional add-on offered:

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

Count me in as a believer in Nationwide’s trusted track record in insurance. Their travel policies check all the boxes, especially for cruises. My only gripe is that some of their medical limits seem lower than other guys. But the rates are easy on the wallet.

– Tim Schmidt, travel expert, entrepreneur, published travel author and founder of All World

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

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

More: AIG Travel Insurance Review

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of five hours.
• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

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

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

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

AIG’s TravelGuard offers an easy-to-use online platform for purchasing insurance and filing claims. A streamlined process minimizes hassle for customers, making it convenient to obtain coverage and receive reimbursement for eligible expenses.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

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

More: Seven Corners Travel Insurance Review

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation.
• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

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

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

With over two decades of experience in the insurance industry, Seven Corners has built a reputation for reliability and customer service. Their track record of handling claims efficiently and providing support to customers in need adds to their credibility. Their Choice plan offers primary coverage, meaning they will pay all claims as if they are the primary insurer, so your claims will be processed faster.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

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

More: AXA Assistance USA Travel Insurance Review

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.
• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

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

• “Cancel for any reason” coverage
• Lost ski days
• Lost golf rounds

AXA Assistance USA impresses with its strong global reach and access to an extensive network of medical providers. This is particularly valuable in travel insurance, where emergencies can occur in any part of the world. Their attention to detail in crafting policies that include benefits for trip cancellations and interruptions adds a layer of security that reaffirms their strengths in protecting travelers against a wide array of potential issues.

– John Crist, founder of Prestizia Insurance

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

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

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

More: Generali Global Assistance Travel Insurance Review

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.
• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

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

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

Generali Global Assistance excels in providing user-friendly services and efficient claims processing, which enhances customer experience significantly. Their policies are particularly valuable due to the inclusion of concierge services, which can be a lifesaver during unforeseen travel disruptions.

– Pradeep Guragain, co-founder of Magical Nepal

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

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

More: Travelex Travel Insurance Review

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.
• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

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

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

Optional add-ons & upgrades offered:

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

Travelex is a go-to for many of our clients due to its straightforward coverage options and ease of use. The company excels in offering plans that are simple to understand, which is great for first-time buyers of travel insurance. However, their basic plans might lack the depth of coverage seen with more premium offerings.

– Jim Campbell, independent travel agent and founder of Honeymoons.com

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

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

More: HTH Worldwide Travel Insurance Review

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.
• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

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

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

My experience with HTH Worldwide Travel Insurance has been positive. While their policies may come at a slightly higher cost, the peace of mind and level of coverage they offer make it worth considering for travelers seeking comprehensive protection. HTH Worldwide stands out for its extensive coverage of medical emergencies, which is essential for international travel. Their policies are flexible, allowing travelers to customize coverage based on their specific requirements, and their worldwide assistance services ensure travelers have access to support wherever they are in the world.

– Kevin Mercier, travel expert and founder of Kevmrc.com

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

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

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

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

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

Nationwide stands out primarily for its versatility in coverage options catering to diverse travel needs—a vital advantage often overlooked by travelers until they face a mishap. They have built a robust system for handling claims efficiently, which I find crucial for travel insurance, where timely support can dramatically impact the customer experience.

Via Forbes Advisor’s Partner

$371 (Explore) $400 (Elevate)

$250,000/$1 million (Elevate) $150,000/$750,000 (Explore)

$539 (Deluxe) $413 (Preferred)

$100,000/$1 million (Deluxe); $50,000/$500,000 (Preferred)

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

Here’s a look at the average travel insurance cost for a 30-year-old woman traveling from California to Mexico for a 14-day trip.

What Affects Travel Insurance Costs?

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

Trip Cost Being Insured

The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, non-refundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.

The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims.

The more protection you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade and generous travel medical expense coverage, you’ll pay more.

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

Trip Cancellation Insurance

Trip cancellation insurance  reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy. Common reasons include unexpected illness, injury and family member sickness. This is different from the “cancel for any reason” travel insurance upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip, up to policy limits. Accidents and health issues can arise unexpectedly, so this is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage.

Case Study: Food Poisoning in London

I was excited to try a highly regarded restaurant while visiting London, but shortly after lunch, I experienced severe nausea and symptoms suggesting food poisoning. It got worse so quickly that I had to rush to the emergency room for medicine and IV fluids. Thankfully, my travel insurance came through. It covered 100% of the $822 in hospital charges and medication costs. The claim process was surprisingly smooth—I just submitted my records and receipts online. This experience made me realize just how essential travel insurance is!

– Katy D., New York

Emergency Medical Evacuation Insurance

Emergency medical evacuation insurance pays up to the policy limits to get you to the nearest adequate medical facility. This can especially come in handy if you are in a remote location and need emergency transportation for medical care.

Travel Delay Insurance

Travel delay insurance compensates you for expenses for things like meals and lodging if you’re stuck somewhere due to a delay that’s covered by your travel insurance plan. Specified waiting period before benefits apply—for example, six or 12 hours—and also a per-day maximum limit and a total maximum per person.

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance reimburses you for the non-refundable parts of your trip that you miss. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Insurance

Baggage insurance reimburses you for lost, stolen or damaged belongings.  But note that reimbursement is for the depreciated value of your items, not the cost to buy new ones.

And baggage delay insurance lets you recoup expenses for necessities, such as clothes and toiletries, while you wait for your luggage. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

“Cancel For Any Reason” Travel Insurance

“Cancel for any reason” (CFAR) travel insurance is optional coverage that allows you to cancel your trip for any reason that’s not listed in your base policy and be partially reimbursed for non-refundable trip costs.

You generally must cancel at least 48 hours before your departure time. Reimbursement under a CFAR claim is usually 75% or 50% of your trip costs. CFAR adds an average of about 50% to an insurance plan’s cost, but might be worth it if you want the most flexibility for trip cancellation.

“Interruption For Any Reason” Travel Insurance

“Interruption for any reason” (IFAR) travel insurance is an optional upgrade that permits you to cut short a trip for any reason and get up to 75%  reimbursement for the non-refundable money you lose. You usually must be at least 48 hours into your trip to file a claim. It typically adds 3% to 10% to your travel insurance cost.

Accidental Death and Dismemberment Insurance

Accidental death and dismemberment (AD&D) insurance is included in some policies. If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

It usually pays out a percentage of the maximum benefit, depending on the loss.

EXPERT TIPS

How to Buy Travel Insurance

Michelle Megna

Insurance Lead Editor

Insurance Managing Editor

Ashlee Valentine

Insurance Editor

Les Masterson

Begin Shopping Right After Your First Trip Deposit

It’s wise to buy travel insurance immediately after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers

Start by Estimating the Non-Refundable Trip Cost

The non-refundable trip cost is the amount you want to insure for trip cancellation. If you’re unsure of what the total cost will be, estimate the amount and then update it later with the travel insurance company, as long as you do so before your departure date.

Buy Travel Medical Insurance for International Trips

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

Check for Delay and Missed Connection Coverage

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re worried about paying extra money due to a delay or missed connections, look for a policy that has a generous amount of travel and baggage delay coverage and missed connection insurance. You’ll also want to find a policy with a short waiting period for delay coverage, such as six hours.

Decide How Much Cancellation Flexibility You Want

If you have a lot of non-refundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

You likely don’t need travel insurance if:

• Your airfare and hotel costs are refundable.
• You can afford to lose the money you spent on non-refundable trip costs.
• You’re not traveling internationally.
• You’re not traveling to a remote area with limited healthcare facilities.
• Your destination is not prone to hurricanes and severe weather.
• You have a direct flight.
• You’re not worried about losing your trip investment if you need to cancel or cut a trip short.
• Your credit card travel insurance provides adequate coverage for your trip.

A new rule going into effect in October 2024 requires airlines to provide automatic cash refunds to passengers when their domestic flights are canceled or delayed by three hours or more. Given this, I think you may want to skip travel insurance if you have a direct flight within the U.S. and you don’t have large prepaid deposits on accommodations and tours.

– Michelle Megna, Lead Editor

Ask The Expert

We Answer Your Questions

What’s the best travel insurance option for 19 family members planning a multi-generational trip abroad.

– D. Frankfurt, Crested Butte, CO

Consider buying a group travel insurance plan. These policies usually allow parties of 10 or more to purchase one travel insurance policy to cover the entire group on a trip. However, individual policies typically offer higher benefit limits and upgrades. So if some family members have specific coverage needs—for example, they want high limits for medical expenses—an individual travel insurance policy might be a better fit for them.

Do I still need travel insurance if my airline is required to refund canceled flights?

– Anna P., Austin, Texas

Travel insurance still makes sense if you have a lot of non-refundable trip costs, such as excursions, accommodations and tours. It’s especially beneficial if you’re traveling internationally. It can help pay for medical expenses and evacuation if you get sick or injured during your trip.

Why do travel insurance companies need my state of residence when I get a quote?

– John T., Lewiston, Maine

Travel insurance regulations and laws vary by state, so insurers use that information to ensure the policy you buy is the one that’s approved in your state.

We researched and analyzed 42 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

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

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

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

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

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

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

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

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

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

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

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

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

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

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

What is travel insurance?

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

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

What do I need for travel insurance?

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

Is there travel insurance for multiple trips?

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

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

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

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

What’s not covered by travel insurance?

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

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

Next Up In Travel Insurance

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

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

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

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

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Travel insurance claims are on the rise - here’s what travelers need to know.

ST. PETERSBURG, Fla., Sept. 05, 2024 (GLOBE NEWSWIRE) -- Following a summer marred with travel disruptions and delays , travel insurance claims have risen 21% over last year. With travel up 8% this fall and trip costs continuing to reach record numbers , protecting your trip expenses with travel insurance is more important than ever. Leading travel insurance comparison site, Squaremouth, reveals 3 of the top reasons travel insurance claims are denied, and how travelers can give themselves the best chance of getting their claim approved.

You Were Inconvenienced, Not Interrupted

Travelers often think their insurance will pay out because their trip didn’t go as smoothly as they planned. However, in order for a traveler to be covered by their travel insurance, their trip must be disrupted by a circumstance listed in their policy. If the disruption is covered and occurred after they purchased a policy, they can be refunded for out-of-pocket trip payments, as well as additional expenses incurred. Squaremouth Tip : Don’t assume you’re automatically covered if anything goes wrong. If you have specific concerns, make sure they are covered by your policy. If you realize your policy falls short of your coverage needs, you may be able to cancel the policy for a full or partial refund .

You Didn’t Keep Your Receipts

In order to be reimbursed, you must provide proof of the expenses you incurred. Receipts are required to authenticate a claim, whether it’s for a cancellation, delay, or medical emergency. Squaremouth Tip : Ask for receipts to document any expenses incurred. If you forget, or if receipts are not available, your bank or credit card statement will usually prove you made the payments you are claiming for.

You Bought the Policy Without Knowing You Were Ineligible

Most travel insurance policies provide coverage for unforeseen medical emergencies, however, many travelers think they can buy travel insurance after they become sick. If a traveler is already sick when they buy their policy, any claim related to that same illness will not be covered. Squaremouth Tip : Some policies offer Pre-Existing Condition coverage, which can extend benefits to a traveler if their trip is impacted by an illness or injury that existed when they purchased their policy. To get this coverage, you usually must buy a policy within 14-30 days of making your first trip payment. However, even with this coverage, you must be medically able to travel when you buy a policy.