meridian travel insurance

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Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Long-Term Expatriate Medical Insurance

Azimuth meridian global medical insurance: one of the most popular long term international health insurance options for young families, international medical insurance options for those requesting flexible underwriting and on a tight budget, why we like it:.

The Azimuth Meridian Travel Insurance plan is one of our most affordable international health insurance plans. It offers flexibility in coverage options, with three levels to fit each budget. You can “exclude coverage in the U.S. and Canada” to save even further. This plan is great for young families because your 2 youngest children under 10 are covered at no cost (if both parents are covered). It is also more flexible in underwriting for those who might otherwise have trouble getting approved, and it includes 6 months of coverage in the U.S. each year.

Learn about the plan through this video

Note: If you are not a U.S. resident or a Canadian resident and do not need coverage in the U.S. or Canada, select “Exclude the U.S. and Canada” when you apply or get a quote.

• Those doing missionary or charitable work abroad up to age 65 on a tight budget looking for an affordable international health insurance plan
• People needing more flexibility in underwriting
• People wanting up to 6 months a year in the USA
• Young families – your 2 youngest children (under 10) are covered at no cost

More about Azimuth Meridian Travel Insurance

Azimuth Meridian Travel Insurance is an affordable international plan with three coverage options

• Choose from Enhanced, Essential or Clear based on your needs and budget
• Can save money by excluding the U.S. and Canada if that coverage is unnecessary
• Azimuth is a little more lenient with underwriting
• Choose this plan if needing up to 6 months coverage in the U.S. per year
• Great for young families since first two children are free if both parents sign up together
• Backed by Lloyd’s of London, uses Aetna as PPO network in U.S.
• Rapid underwriting process – 48 hours for Essential plan and 72 hours for Enhanced plan
• Excellent customer service through 24/7 call center, offers medical referrals, travel advisories, lost baggage tracking, etc.
• Coverage includes medical evacuation, repatriation of remains and bedside visit

All of our Azimuth Meridian Travel Insurance Plans:

• Are backed by Lloyd’s of London
• Use Aetna as the PPO network in the U.S. which is an excellent network
• Have flexible Underwriting
• Six months out of twelve months coverage in the U.S. each policy year
• Allow up to 30 days of coverage in the U.S. at the start of the policy
• Maternity coverage – Meridian Enhanced: $50,000 maternity benefit included after a 12 month waiting period. Co-pay of $2500 per pregnancy.

Meridian Enhanced

Click to view plan features.

• Medical coverage – $5,000,000 Maximum Limit
• Deductibles choices – $250; $500; $1,000; $2,500; $5,000; and $10,000 per member per coverage period
• Family deductible – maximum of 2 deductibles per family per coverage period
• Coverage Area 1 – Worldwide including US/Canada; or… Coverage Area 2 – Worldwide excluding US/Canada
• Coinsurance – 100% for eligible medical expenses outside the U.S. and Canada and within the PPO in US and Canada after the deductible has been met. If outside PPO 90% of the next $5000 of eligible expenses, then 100%.
• Urgent Care facility – not subject to deductible.
• Pre-existing cover – If disclosed on the application and not limited or excluded by rider, covered after 12 months same as any other illness
• Maternity cover – Automatically included, covered up to $50,000 maternity coverage. There is a 12 month waiting period before maternity benefits begin. There is co-pay of $2,500 per pregnancy.
• Vision Benefit – $250 per Coverage Period for exams and materials (after 1 year).
• Emergency evacuation – $110,000 maximum limit. $55,000 maximum limit for ages 65 onwards.
• Wellness – Adult (over 25): $350/year after 90 days waiting Wellness – Child: $200 after 60 days
• Optional Dental and Extreme Sports Riders
• And many more benefits (see brochure)

Meridian Essential

• Deductibles choices – $500; $1,000; $2,500; $5,000; and $10.000 per member per coverage period
• Family deductible – maximum of 2 deductibles per family per coverage period.
• Coverage Area 1 – Worldwide coverage to include the U.S. and Canada Coverage Area 2 – Worldwide excluding the U.S. and Canada
• Coinsurance – 100% for eligible medical expenses outside the U.S. and Canada and within the PPO in US and Canada after the deductible has been met. Outside of PPO: 80% of the next $5000 of eligible expenses, then 100%.
• Pre-existing condition cover – After 24 months of continuous coverage, $10,000 per year with a $50,000 lifetime maximum limit
• No Maternity Coverage
• Wellness – Adult (over 25): $250/year after 180 days waiting Wellness – Child: $170 after 90 days
• Medical Evacuation – NOTE that this plan is limited to $50,000 ($2,500 for ages 65 and older) maximum medical evacuation

Meridian Clear – For specific needs

• Deductibles choices – $250; $500; $1,000; $2,500; $5,000; and $10,000 per member per coverage period
• Coinsurance in the U.S. and Canada – After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Expenses, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO.
• Pre-existing cover – $5,000 per coverage period after a 24 month continuous coverage period. $50,000 maximum limit
• Maternity Cover – $10,000 Maximum Limit after 24 months of continuous coverage.
• Emergency evacuation – Note that this plan is limited to $30,000 maximum emergency evacuation . Medical evacuation could run $10,000-$100,000 depending on severity of circumstances and your location

More about the Meridian travel insurance plan

Who is eligible for the meridian series.

Clients who qualify medically, are more than 14 days old and under the age of 65, and who live outside of the United States. They are able to apply for the plan and once accepted, would be able to continue indefinitely with no medical questions subject to the terms of the Evidence of Insurance. If you are a US citizen residing in the USA, you must depart the US within 30 days of your Effective Date for each Coverage Period of insurance and within 30 days of your continuation of coverage date.

Those clients who qualify medically and are accepted on the plan after the age of 65 would be able to continue on their plan up to their 75th birthday.

Meridian Speed Underwriting

The Meridian Series plans involve a review of your application by underwriters to determine your eligibility for coverage and acceptance on the plan.

Meridian Essential applications are routinely reviewed and processed within 48 business hours. Meridian Enhanced are regularly reviewed and processed within 72 business hours. This is provided we receive all necessary information.

Once accepted on the plan, you will receive confirmation of coverage via email if you provide email information. This is followed by a complete fulfillment kit containing your Evidence of Insurance, identification card(s), Azimuth claim form, welcome letter and receipt for the transaction. If an application is declined, the premium will be refunded in total.

Family Friendly Rates

Thanks to the First Two Free feature, families enjoy the benefit of having the first two children under age 10 covered at no extra charge if both parents are insured on the same plan.

What if I have a Claim?

The claim process is quite simple. in the event that you have a claim for eligible expenses you have already incurred, simply complete the azimuth claim form. it is included in your plan fulfillment or you may download one at www.azimuthrisk.com ..

Submit the completed Azimuth Claim Form, original itemized bill and receipts of payment to our office. All eligible expenses will be promptly reimbursed. With every aspect of Azimuth’s operations, if you have questions or difficulty with the claim submission process, simply contact our office and we will be happy to assist.

In the event that you have a large or ongoing claim your pre-notification through Azimuth will in many cases allow us to arrange direct billing and payment to your healthcare provider.

Pre-notification

In order to receive complete benefits, hospital admissions, trip interruptions, repatriation of mortal remains, emergency medical evacuations, any Inpatient or Outpatient Surgery or procedure indicated in the Evidence of Insurance, must be pre-notified by contacting Azimuth Risk Solutions prior to receiving services.

In the case of emergency hospital admission, Azimuth must be contacted within the first 48 hours of admission or as soon as reasonably possible.

Pre-notification is not a guarantee of benefits.

Additional information

• General FAQ and Answers
• Maternity FAQ and Answers

For Unlimited maternity coverage, you may also want to consider Global Navigator.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

Search When autocomplete results are available use up and down arrows to review and enter to select.

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

• Customer Stories
• Resume Quote / Application

What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, let's find the right plan for you, answer a few questions below to see prices.

Already know what you need?

• By Popularity
• Global Medical Insurance
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• Visitors Care
• Outreach Travel Medical Insurance
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• Student Health Advantage
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• Student Health Advantage Platinum
• Global Crew Medical Insurance

International Health and Travel Insurance Offerings from IMG

IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

Travel Insurance Questions Answered

How to choose the best travel protection plan for you, the cost of increased flight delays & cancellations: how travel insurance can help, is travel insurance worth it, select why you are away from home., get plan recommendations and helpful resources., government services, give us a call, have any questions we’re here to help you, 866-263-0669.

You can find more information on health, travel, tourism, and insurance on our blog, Global Connect.

• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

Global Resources. Local Care.

Languages spoken in-house, countries where members are served, insurance plans to fit your needs, employees & growing, doctors & hospitals in our global database, headquarters, send a message.

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9 Best Travel Insurance Companies of July 2024

Best travel insurance main takeaways.

• Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations and emergency medical expenses.
• Purchase travel insurance right after booking the trip to ensure the best coverage.
• Our top picks include Seven Corners, Generali Global Assistance and TravelInsured.com.

Why Trust Us?

To select our top picks, our team vetted 15 companies. We read the fine print on travel insurance plans and compared coverage options and prices to determine which insurers offer coverage that could meet the needs of specific groups. Read the full methodology to learn more.

• 15+ data points considered
• 13 insurers reviewed
• 1,000+ hours of research

Our Top Picks for the Best Travel Insurance

Note: The following companies are listed in alphabetical order.

• AIG Travel Guard - Best for Add-Ons
• Allianz Travel - Best for Business Travel
• Generali Global Assistance - Best for Emergency Support Services
• HTH Travel Insurance - Best for Long-Term Insurance for International Travel
• Nationwide - Best Cruise Travel Insurance
• Seven Corners - Best for Large Groups
• Travelex - Best for Families with Children
• TravelInsurance.com - Best for Comparing Travel Insurance Quotes
• World Nomads - Best for Adventure Sports Coverage

Best Travel Insurance Reviews

• Lodging expense benefit
• Trip saver and exchange specialized coverage included
• A child 17 and under is covered per insured
• Covers trips to Cuba if the traveler provides additional documentation
• High cost of premiums
• Most add-ons are not available for the basic plan

Why we chose it : We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options with which to customize their plans.

AIG Travel Guard offers unique services such as MedEvac and Bag Trak® as well as coverage options few (if any) other insurers offer: a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.

Another of AIG's specialized insurance products is lodging expense coverage. This benefit is for travelers who test positive for COVID-19 and must remain abroad until they present a negative test result. There's also a Pack N’ GO Plan for last-minute trips which includes post-departure coverage and 24-hour emergency travel assistance.

Read AIG Travel Insurance Review

See rates on AIG Travel Guard's Secure Website

• Epidemic coverage endorsement
• Allianz TravelSmart App
• Annual plan geared to business travelers
• 24-hour multilingual assistance hotline
• Low medical coverage
• No "cancel for any reason" benefit

Why we chose it : Allianz Travel is our choice for the best travel insurance for business trips because its annual plan offers comprehensive coverage that includes trip cancellation and interruption, emergency medical and transportation, rental car damage and theft, and business equipment protection.

Allianz offers 10 distinct travel insurance plans, ranging from basic cancellation benefits to comprehensive multi-trip protection. All plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and more.

Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.

Read Allianz Travel Insurance Review

See rates on Allianz Travel's Secure Website

• Offers 24-hour emergency assistance services
• Up to $1K upfront payment for acute medical treatment
• Car rental damage add-on available
• Pre-existing condition coverage only available in the Premium plan
• High premium costs
• "Cancel for any reason" only available for Premium plan

Why we chose it : Generali Global Assistance is our choice for the best travel insurance for emergency support services because all of its policies include 24-hour Travel Support, which can provide immediate assistance for problems that might arise during a trip — from medical emergencies to identity theft.

Travelers can choose between three plans — Standard, Preferred and Premium — that cover trip cancellation, trip interruption, travel delay, and baggage damage, loss or theft. Each plan also covers medical and dental emergencies up to specific payout limits (from $50,000 per person to $250,000 per person).

Both its Preferred and Premium plans include trip cancellation benefits or trip interruption in case a travel supplier — say, a cruise company, hotel or rental car company — becomes insolvent and can no longer offer its services.

Read Generali Global Assistance Travel Insurance Review

See rates on Generali Global Assistance's Secure Website

• Travel medical insurance for groups of five or more
• International expatriate comprehensive coverage
• mPassport app to find doctors, pharmacies, and translations of drug names
• Pet medical expense coverage
• 12-hour wait for bag delay coverage (24 hours under the economy plan)
• "Cancel for any reason" option only offered in the Preferred plan
• Participants must be enrolled in a primary health insurance plan to be eligible for the multi-trip plan

Why we chose it : HTH Travel Insurance is our choice for the best travel insurance for long-term international travel because it offers specialty coverage for expats and students. Its Xplorer Plan features no deductible for office visits, no waiting periods for preventive care services and no pre-existing condition waiting period with proof of prior coverage.

HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums, includes supplies and prescriptions and covers medically necessary COVID-19 testing and treatment.

Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.

Read HTH Worldwide Travel Insurance Review

See rates on HTH Travel Insurance's Secure Website

• Offers a pre-existing condition waiver
• 24-hour assistance
• Multi-trip plans
• Must wait 12 hours before bag delay coverage
• Cancel for any reason is only available in premium plan
• Few options for additional coverage.

Why we chose it : We picked Nationwide as the best travel insurance for cruises because it offers three cruise insurance plans (Universal, Choice and Luxury) that fit different budgets and needs.

Nationwide's emergency medical coverage starts at $75,000, and all three plan tiers include “cancel for work reasons” coverage, a $500 return-home-early benefit, $200 in coverage for shipboard service disruption, and $25,000 for non-medical evacuations.

Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.

Read Nationwide Travel Insurance Review

See rates on Nationwide's Secure Website

• Coverage from five up to 364 days
• Allows coverage extensions
• Website includes sample scenarios to illustrate how the coverage works
• Hazardous activities not included in coverage (add-on only)
• Different plan options for WA, NY, PA, and MO residents

Why we chose it : We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.

Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.

In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions. These plans include 24/7 multilingual customer service.

Read Seven Corners Travel Insurance Review

See rates on Seven Corners's Secure Website >>

• Flight insurance plans available
• Pre-existing conditions waiver
• Several upgrades available
• Upgrades not available for the Basic plan
• Customer service has limited operating hours

Why we chose it : Travelex is our choice as the best travel insurance for families with children because it offers two plans that cover family members under 17 at no additional cost.

Travelex Insurance Service features two main plans for international trips, Travel Basic and Travel Select — plus a Travel America plan for trips in the USA. Both plans include children 17 and under at no additional cost.

The Travel Basic is an affordable plan perfect for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections.

Read Travelex Insurance Services Review

See rates on Travelex's Secure Website

• Shows results from the top-rated insurers
• Offers helpful tips and articles
• Site only shows all add-ons available at checkout
• You may prefer a company that isn't on the marketplace

Why we chose it : We picked TravelInsurance.com as the best travel insurance for comparing quotes because it allows users to quickly and easily view plan details and prices from some of the top travel insurance providers in the industry.

TravelInsurance.com is a travel insurance comparison platform that simplifies the shopping process by connecting users with top-rated carriers. It breaks down coverage options and presents policies in a simple table for easy comparison.

This marketplace simplifies the process for travelers to input their trip details and receive customized quotes based on factors such as trip cost, duration and traveler ages. The results page presents essential coverage information, reviews, ratings and a link to each provider's COVID-19 policy FAQs.

Read TravelInsurance.com Review

See rates on TravelInsurance.com's Secure Website

• Emergency medical $100,000 (accident and sickness)
• Buy more while traveling
• 24/7 emergency support (Generali Global Assistance)
• Does not cover pre-existing conditions
• No CFAR option offered
• Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K)

Why we chose it: World Nomads is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.

Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include accident and illness coverage and 24/7 emergency support as well as emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft.

While most companies don't let you purchase or extend coverage during the trip, World Nomads offers a rare alternative; individuals who didn't purchase coverage before their trip can enroll in the company's "Buy While Traveling" plan. Those who already purchased a policy can also extend their coverage to keep exploring.

Read World Nomads Travel Insurance Review

See rates on World Nomads's Secure Website

Other travel insurance companies we considered

In this section, we feature popular companies that didn't make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:

• Tin Leg Travel Insurance Review
• TravelSafe Insurance Review
• AXA Travel Insurance Review
• Faye Travel Insurance Review
• Trawick International insurance review
• John Hancock travel insurance review
• Berkshire Hathaway Travel Protection

Travel Insurance Guide

Travel insurance reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or have an accident during the trip.

Read on for more information on coverage benefits and tips on how to select the right type of coverage.

What does travel insurance cover?

What does travel insurance not cover, how much does travel insurance cost, is travel insurance worth it, how to get travel insurance, how much travel insurance do i need, credit card travel insurance.

Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.

The following are standard coverage options and add-ons.

• Trip cancellation insurance refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for eligible reasons.
• Trip interruption coverage reimburses you for the unused portion of the trip and any expenses you may incur to get back home. Insurers typically cap reimbursement at 150% of the cost of the trip.
• Travel delay coverage reimburses you (up to your policy limits) for extra expenses such as meals or lodgings during a flight delay. It may also cover airport delays and any flight change fees necessary to catch up on your travel plans.
• Emergency travel medical insurance reimburses you for medical expenses incurred during your trip under certain circumstances. Coverage amounts for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you're pregnant while traveling .
• Emergency medical evacuation coverage reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 and $500,000 but can be as high as $1 million.
• Baggage and personal effects coverage refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.
• Worldwide assistance offers 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.

Popular travel insurance add-ons

Here we explain a variety of add-ons or riders that allow you to increase benefit limits and cover activities that may be excluded from standard policies.

The most common exclusions in a travel insurance policy are:

• Pre-existing medical conditions
• Injuries caused by extreme sports
• Theft/loss of personal items such as electronic devices and jewelry
• Pregnancy-related conditions
• Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination
• Missed flights, where the traveler is at fault
• "Foreseeable events" such as epidemics and pandemics that are officially declared by federal or international health agencies. (Claims related to COVID-19 illness may be covered)

The cost of travel insurance can range from 4% to 12% of the total cost of your trip and depend on:

• Your travel destination
• The length of your trip
• The types of benefits and policy limits you select

* Insurance for a $2,200 trip for a family of four ranged from $90 to over $300, based on 6% of trip costs.

Travel insurance could be worth it in specific situations. Before buying a policy, consider the following scenarios.

You can buy travel insurance after booking a flight . However, it's advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you'll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.

The best time to purchase travel insurance coverage is right after you've booked your trip’s costliest non-refundable expenses, such as flight tickets and lodging.

1. Define your travel insurance needs

Consider your reasons for traveling and how long you'll be away, taking into account who is traveling with you as well as your planned activities.

Business travel insurance is suitable for frequent travelers who need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as Nationwide's cruise insurance plans , and students in overseas programs may want to look into a plan like Trawick International Insurance .

2. Review the policy limits

Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.

3. Check the policy's fine print

Make sure the trip insurance policy you're interested in covers the activities you have planned, especially if there are recreational sports involved.

Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need to look for a different provider or purchase supplemental medical coverage.

Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.

4. Compare travel insurance quotes

We recommend getting insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance. Even if you're traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials, such as medical expenses and personal effects.

Consider the following when comparing quotes:

• Affordability
• Maximum payout limits for baggage loss or theft
• Available add-ons such as "Cancel for Any Reason"
• Policy terms regarding pre-existing medical conditions
• Minimum wait time before you can file a claim for baggage loss and trip delays
• Maximum payout limits for medical expenses and emergency evacuation

Before buying travel insurance , consider what losses you would incur if unforeseen events forced you to cancel the trip or if you suffered an unexpected medical emergency.

• Non-refundable travel expenses: These include flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours, and transportation expenses booked in advance.
• Potential medical emergencies: Travelers may need medical care abroad due to injuries, endemic illnesses and other health emergencies. Some travel insurers recommend a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations.
• Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from most trip insurance policies.

Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you compare credit card travel coverage with travel insurance , you'll see that most credit cards lack benefits such as medical expenses and emergency evacuation coverage.

Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter.

More on Travel Insurance

• Domestic Travel Insurance: What Does It Cover?
• What Is Schengen Travel Insurance?
• Pre-Existing Conditions and Travel Insurance
• Best Cancel For Any Reason Travel Insurance
• Best Places to Travel in Spring
• Best Places to Travel in the Summer
• Best Places to Travel in Fall
• Best Places to Travel in Winter

Travel Insurance FAQs

What is a pre-existing condition for travel insurance.

Pre-existing conditions are illnesses or injuries diagnosed 60 to 180 days before purchasing a policy. Definitions vary by provider, so clarify with your insurer, even if you have a waiver, to avoid claim denial due to misunderstandings.

Do I need travel insurance?

Travel insurance can be worth it, especially for international trips with non-refundable expenses. It acts as a financial safety net for unforeseen events, covering flight insurance, medical expenses and reservation costs if you get sick or need to cancel or interrupt your trip. However, if your credit card offers travel insurance, additional coverage may be unnecessary.

How does travel insurance work?

Travel insurance reimburses covered expenses or losses before or during your trip, including medical emergencies and prepaid costs like airfare and accommodations. To get reimbursed for a covered loss, file a claim with evidence. The insurer will review and reimburse if the claim is valid; you can appeal if it's denied.

What is the best travel insurance?

Based on our research, the best travel insurance companies are Seven Corners, Generali Global Assistance, World Nomads, Nationwide, Travelex, Allianz Travel, AIG Travel Guard and HTH Travel Insurance.

When is it too late to buy travel insurance?

Once you depart, you can't buy travel insurance. Coverage may be available up to 24 hours before departure, but specifics vary by provider. Last-minute policies cover basics like trip interruptions, delays, medical emergencies, and baggage loss, but exclude benefits like "cancel for any reason," "trip interruption for any reason," and pre-existing condition waivers.

How We Chose the Best Travel Insurance Companies

As part of our methodology, we obtained travel insurance quotes from the online comparison site Travelinsurance.com using the following profile:

• Family of four traveling from New York City to London
• $2,200 on flight tickets for all four travelers

We then reviewed the available plans and looked at the following factors to evaluate and compare each company:

• Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with unique add-ons, such as coverage for extreme sports and lost gear or equipment.
• Ease of use: We considered how easily you could get a quote and understand the policy information. Most of our top picks offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.
• Customer service and support: We rated companies higher for having a 24/7 hotline, a global emergency network, mobile apps, multiple customer support options, and perks like concierge and translation services.
• Reputation : To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.

Summary of Money's 9 Best Travel Insurance Companies of July 2024

Best Travel Insurance Companies

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Best Travel Insurance Companies

Travel insurance provides financial protection and peace of mind for a nominal cost

Contributor, Buy Side from WSJ

Kat Tretina is a contributor to Buy Side from WSJ.

Updated May 28, 2024, 10:05 PM EDT

When it comes to travel , many things can go wrong that are outside your control. From missed flight connections—which airlines aren’t required to compensate passengers for—to injuries, these mishaps can derail your plans and cost you a lot of money.

Best overall

Best medical coverage, best for cruise vacations, best for specialty protection, best for road trips.

• Other companies we considered 

Travel insurance 101

How we picked.

Travel insurance can provide financial protection and peace of mind, often for a nominal cost. Americans who travel internationally spend an average of $3,580 per person per trip, and we found that coverage averages $155 for the four most common destinations: Canada, Mexico, France and the United Kingdom.

To help you find the right coverage for your upcoming trip, we researched 21 leading travel insurance companies and identified five standouts based on cost and coverage options.

Why we chose it: Purchasing travel insurance can be an overwhelming experience. Many travel insurance companies have complex sites with lots of fine print, making it difficult to choose the right policy.

Allianz works differently. It has a simple site that clearly specifies which of its plans best suits each type of traveler, making it easy to choose coverage that meets your needs and budget. For example, those looking for very basic, affordable coverage can choose Allianz’s OneTrip Cancellation Plus Policy, which provides trip cancellation and interruption protection. This form of coverage is suitable for those going on shorter trips or who have other medical coverage and only want insurance for the trip’s cost.

Those who want more robust coverage may prefer OneTrip Premier. This plan includes trip interruption and cancellation insurance along with emergency medical care and evacuation coverage. Under this plan, children 17 and under are covered at no charge when traveling with a parent or grandparent, a helpful benefit if you’re planning a family vacation . This is a comprehensive plan that is a good fit for both individuals and families that want the peace of mind that comes with both trip and medical coverage.

For frequent travelers, Allianz has annual and multitrip policies that allow you to purchase coverage that lasts an entire year. These options include added benefits such as a trip concierge and 24-hour hotline assistance.

If you have an existing health condition, typical travel insurance policies won’t cover medical treatments related to it. But Allianz provides coverage for pre-existing conditions if you add an optional rider to your policy for an additional fee. (All five of our winners offer pre-existing medical coverage, but only eight of the 21 companies we looked at do.)

With most policies, your trip is only covered if it is canceled for specific reasons, such as the death of an immediate family member or a natural disaster affecting your destination. If you cancel for other reasons, you don’t qualify for reimbursement. However, Allianz offers “cancel for any reason” coverage. Allianz will reimburse you 80% of your lost nonrefundable trip costs—a higher reimbursement percentage than other companies offer—if you cancel for other issues, such as a job loss or breakup.

The average cost for travel insurance for a single traveler taking a $3,500 trip was $169 with Allianz. That’s slightly higher in price than the $155 average cost across insurers we looked at, but we feel the strength of Allianz’s offerings made it worth the extra couple bucks.

Caveats: Allianz may not be the best choice for adventurous travelers. It excludes high-risk activities such as skydiving, bungee jumping, mountain climbing and scuba diving. That’s not uncommon for basic travel insurance plans, but many companies, such as Faye and Berkshire Hathaway, have optional coverage for those activities that you can purchase for an additional fee; Allianz does not.

Allianz also has a surprisingly low maximum for emergency medical care. The maximum coverage limit on OneTrip Premier—the highest tier of coverage—is just $75,000. Other companies have coverage limits of $100,000 or more. While $75,000 is enough to cover most issues, it may be insufficient if you have a major health crisis and need surgery or other intensive care while traveling.

Generali Global Assistance

Why we chose it: With typical travel insurance policies, treatments for medical care related to pre-existing conditions are not covered. Some policies allow you to add optional waivers for pre-existing conditions, but the requirements are strict.

With Generali Global Assistance’s Premium plan, coverage for pre-existing conditions is included. The company also provides up to $250,000 in medical and dental coverage and $1 million in emergency assistance and transportation—higher limits than other companies offer.

Generali’s policies include coverage for telemedicine and give you access to a network of physicians who can provide medical consultations over the phone or via email. If you come down with the flu or forget a prescription and need a refill right away, having access to a telehealth provider in your destination country can be helpful.

Its coverage will also pay for your out-of-pocket medical costs. If you become ill or are injured during your trip, call the insurer’s emergency hotline. It will connect you with providers in its network, and it will guarantee payment to the physician up to a maximum of $1,000. This perk eliminates the need for you to have to pay the physician upfront at the time of your visit; the insurance company handles it for you.

Averaging just $127, Generali’s premiums were also consistently lower than the industry average.

Caveats: Generali Global Assistance has a shorter “free look” period than other companies. The free look period gives you time to review your policy and cancel it for a full refund. While most travel insurance companies have free look periods of 30 days from when you purchase your coverage, Generali’s is just 10 days. After that free look period ends, if you decide to cancel your coverage, you won’t be eligible for a refund of your premiums.

Travel Guard by AIG

Why we chose it: Cruising requires unique insurance protection. For example, if you have a medical emergency at sea, the cost to access care can be in the six figures.

Travel Guard by AIG is Buy Side’s choice for the best insurer for cruise vacations, because it offers several benefits and tiers of coverage that are useful for cruisers, including:

• Pack N’ Go plan : This plan is an excellent option for spontaneous travelers taking advantage of last-minute deals on cruises, a type of travel where discounts are common a few days before the ship’s departure date. It is more affordable than other plans because last-minute travelers don’t need trip cancellation coverage, but it provides full medical and interruption insurance. 
• Medical expenses: AIG’s plans have higher maximums for medical care than those of most other insurers. Its premium plan covers up to $1 million in evacuation costs, such as getting airlifted by helicopter to a hospital, and it will pay for up to $100,000 in medical expenses and $500 for dental work. 
• Baggage losses or delays: AIG offers a higher-than-usual coverage maximum for baggage losses or delays, making it a good option if you have to replace missing clothing or toiletries in a ship’s boutique, which will likely be quite expensive compared with your local shops. 
• Return transportation: If your trip is interrupted due to an illness, injury or the death of a family member, this benefit covers up to $1,000 in additional return transportation expenses. This benefit can help you cover the cost of last-minute flights from the ship’s port of call or car rentals so you can get home. 

Caveats: While AIG is a useful choice for cruise vacations, there are some drawbacks to keep in mind. On its basic plan, baggage delay coverage only kicks in after 24 hours; other insurers will reimburse you for delays as short as 12 hours. If your baggage is delayed after a flight and your ship is scheduled to leave port, that difference can be significant. And its basic plan has lower-than-usual limits for trip interruption or delay coverage.

Travel Guard by AIG features higher coverage limits than other policies, so expect to pay a higher premium. On average, TravelGuard by AIG costs $170.

Why we chose it: Through Faye, you get not only a comprehensive travel insurance policy but also access to a range of optional add-ons to meet your unique needs.

To be clear, Faye’s standard policy is solid, including coverage for trip cancellation or trip interruption, as well as for medical emergencies and evacuation. However, Faye’s standout features are its customizations, including:

• Pet care: If your pet joins you on your trip and becomes ill or injured, this rider provides reimbursement for up to $2,500 in veterinary expenses. Or if your return is delayed and your pet has to stay in a kennel for a few extra days, you can get up to $250 in reimbursement for boarding fees. 
• Vacation rental protection: For short-term rentals booked through sites like Airbnb and VRBO, this rider will pay for up to $3,000 in damages that you or your traveling companions cause to vacation rental properties during your stay. Generally, travel insurance doesn’t cover vacation rentals, so this is an unusual perk. 
• Adventure and extreme sports: For people who want to skydive or bungee jump while traveling, this rider provides up to $250,000 of medical coverage for international trips and up to $50,000 of medical coverage for domestic trips. 
• Nonmedical emergency evacuation: If you’re in an area where a sudden disaster occurs, this rider covers up to $100,000 of emergency evacuation costs. 

Caveats: Faye is also higher priced than some other companies, averaging $175 for a policy that includes trip cancellation and interruption, baggage loss or delay, and medical care and medical evacuation coverage—but before any specialty extras.

Although Faye offers robust coverage options, it was founded just a few years ago and isn’t available everywhere yet. Residents of Washington state or Missouri aren’t eligible for its travel insurance. And Faye doesn’t sell its policies to residents of U.S. territories including Puerto Rico, the U.S. Virgin Islands, the Northern Mariana Islands, Guam and American Samoa.

Berkshire Hathaway

Why we chose it: Like other travel insurance companies, Berkshire Hathaway offers comprehensive coverage for medical care and trip cancellations or interruptions. Where Berkshire Hathaway stands out is in its policies specifically designed for particular types of travel, like its ExactCare Lite policy for road trips.

Typical travel insurance policies are shaped—and priced—with the expectation that you’re flying or boarding a cruise ship. But Berkshire Hathaway’s policy covers issues that pop up while you’re driving within the United States. For example, if you get stuck in traffic and miss that concert you bought tickets for, the ExactCare Lite policy will cover up to $750 of your cost.

And while driving anywhere in the country, you may become sick or injured and need medical care. If that happens and the only available options are out of your primary health insurance provider’s network, this policy will cover your care. Depending on the tier you choose, the maximum amount of coverage will range between $10,000 and $25,000 for medical care.

Plus, Berkshire Hathaway’s road trip coverage is much lower-price than traditional travel insurance; policies that include trip interruption/cancellation insurance, medical expense coverage and emergency evacuation protection start at $33 for a two-week road trip.

Caveats: Berkshire Hathaway has policies designed for different profiles, such as budget-focused travelers or road-trippers. But its policies aren’t customizable, meaning you can’t add riders to your policy to adjust your coverage. Nor does Berkshire Hathaway offer “cancel for any reason” coverage on most of its policies. The only plan that allows you to cancel for any reason is its highest-price, luxury travel policy.

Other companies we considered

World nomads.

World Nomads is a well-known travel insurance company, and its policies are usually relatively inexpensive. However, it doesn’t offer coverage for pre-existing health conditions. While most travel insurance companies exclude pre-existing conditions in their base policies, coverage is often available as an optional add-on. Not having that option through World Nomads is a significant drawback.

Seven Corners

Seven Corners ’ coverage options include ones for people who will be in another country for several months and coverage for large groups. But its inclement weather policy only provides coverage if your trip is delayed by 48 hours or more with some exceptions for hurricane watches or warnings issued by the National Oceanic and Atmospheric Administration Hurricane Center; other companies require a delay of just 12 hours.

Whether you’re driving through the U.S. or taking an international cruise, travel insurance can provide critical protection when you’re on vacation. Understanding how travel insurance works can help you choose the right plan, so you get the appropriate coverage for your needs without overpaying.

What are the main types of travel insurance?

A comprehensive travel insurance policy includes the following coverages:

• Trip cancellation and interruption: If your vacation is canceled or interrupted by illness or bad weather, the insurer will reimburse you for a percentage of your trip cost. The insurers on our list reimburse at least 100% of the trip cost in cases of cancellation, and 150% of the trip cost for interruptions. 
• Trip delay: If your trip is delayed for reasons outside your control, such as a flight cancellation that causes you to miss a night at a hotel, trip delay insurance will reimburse you for some of your expenses. The companies on our list cover at least $300 a day of expenses. 
• Baggage loss: If your bags are lost or stolen, the insurer will reimburse you up to a specific amount per bag, such as $150 per bag, up to a total of $2,000. 
• Emergency medical care: If you need medical care for a health emergency, this benefit provides for your treatment. Because your U.S.-based health insurance won’t cover treatments that you receive outside the country, look for coverage amounts of at least $50,000. 
• Medical evacuation: If you have a medical emergency and need to be transported to a hospital or other healthcare facility, this coverage will pay for the cost up to the plan maximum. Because of how expensive evacuations can be, look for a policy that provides at least $100,000 in medical evacuation coverage. 

Depending on the vacation you’ve planned, you may need to add optional coverages to your policy. Common add-ons include:

• “ Cancel for any reason” coverage: Typical travel insurance policies only reimburse you if your trip is canceled for covered reasons, such as a death in the family. If you add “cancel for any reason” coverage to your policy, you can cancel and get reimbursed for a percentage of your trip no matter the reason. For example, if you switch jobs and want to change your travel dates, your insurer may reimburse you up to 80% of the total cost. 
• Baggage delay insurance: If your bags are delayed and you need to buy toiletries or clothing until they arrive, this add-on will reimburse you up to a specific amount, such as $300. 
• Car rental insurance: Car rental coverage provides insurance for damage, theft and injuries that occur while you’re driving a rental vehicle. 

Do I need other coverage if my credit card provides travel insurance?

Some travel credit cards offer insurance as a perk for cardholders. But even if you have a credit card that provides travel insurance, you may need to purchase additional coverage for the following reasons:

• Not everyone will be covered: Credit card travel insurance usually only covers the cardholder and their immediate family members, meaning spouse, children and parents. Significant others or friends are typically excluded. 
• Coverage only applies to certain expenses: Travel insurance through a credit card only applies to expenses that you paid for with your credit card. For example, if you book your flights with another card that doesn’t include travel insurance and your flight is canceled, you’re ineligible for coverage. 
• It may provide inadequate medical coverage: Many cards exclude medical emergency coverage, and even when cards do offer it, the maximum limit is often quite low. And some cards have travel assistance benefits and will help arrange for medical evacuation, but you’re responsible for the cost of the services provided. 

Below is a snapshot of how Allianz, our pick as the best overall provider for travel insurance, measures up to some of Buy Side’s favorite travel credit cards ’ insurance coverage.

What doesn’t travel insurance cover?

Policies differ by company, but travel insurance policies usually exclude the following:

• Pre-existing conditions: Basic travel insurance policies don’t provide coverage for medical treatments or losses that occurred due to a pre-existing health condition. However, there are some companies, including all of our top picks, that cover pre-existing conditions under certain plans or if you purchase coverage for pre-existing conditions as an optional rider. 
• High-risk activities: Standard policies won’t cover high-risk or adventurous activities such as skydiving. However, some companies offer optional riders you can purchase to get coverage for those activities. 
• Civil or political unrest: The majority of travel insurers exclude coverage for travelers visiting countries experiencing civil or political unrest, riots or acts of war. If you were to incur any losses, you would not be eligible for coverage. 
• Pregnancy and childbirth: Travel insurance policies typically exclude coverage for complications of pregnancy, childbirth and neonatal intensive care. 

How much does travel insurance cost?

Travel insurance for domestic and international travel generally costs between 4% to 8% of the total trip price for a policy that includes the following:

• Trip cancellation/interruption coverage
• Medical and emergency evacuation insurance
• 24-hour emergency assistance hotline

If your vacation costs $3,500, that means you should expect to pay between $140 and $280 for a travel insurance policy. Variables that affect your cost include the length of the trip, your selected destination and your age. Policies that include additional protections, such as car rental or baggage delay insurance, will be higher priced.

The rates listed throughout this story were for the policies that met the following minimums:

• $50,000 medical
• $100,000 emergency evacuation
• 100% trip cancellation
• 150% trip interruption

How does travel insurance work with Covid-19?

Coverage for issues related to the coronavirus, including medical treatments for coronavirus or trip interruptions or cancellations related to Covid-19, varies by insurer.

Many insurers have declared Covid-19 a “ foreseeable event .” That distinction means you should know about the risks of contracting the virus when traveling, so it won’t cover any treatments or losses you may incur due to Covid-19.

However, some companies will provide coverage for medical care or trip interruptions or cancellations related to Covid-19 if you test positive during a covered trip.

Before purchasing a policy, contact prospective insurers or check their exclusions to find out if medical care or losses related to Covid-19 are covered.

We chose Buy Side from WSJ’s Best Travel Insurance Companies based on available policies, coverage maximums, optional add-ons, financial stability ratings and cost. We also looked for companies that offered “cancel for any reason” coverage and insurance for pre-existing conditions.

We evaluated 21 leading insurers. Policies and coverage amounts were current as of March 7, 2023.

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Best Travel Insurance for Cruises

That peaceful ebb and flow of the waves as you drift off to sleep, the halls filled with shopping and entertainment, and the chance to see multiple destination cities all in one trip are just a few reasons why travelers love cruises. Before you set sail, consider purchasing the best travel insurance for cruises to protect your trip and finances. 

So much can happen before you board the boat that could prevent you from traveling and cause you to lose the thousands of dollars you’ve paid for the trip. Many other events can happen while aboard the ship, leading to major challenges that could be quite costly. Here’s a look at the best insurance to protect against the unknown and why you might consider a policy.

• Quick Look: Best Travel Insurance for Cruises
• Best for Managing Policy via Mobile App: Faye
• Best for Tiered Insurance Plans: Travelex Insurance Services
• Best for Plan Comparison Across Many Providers: Aardy.com
• Best for Cruising with Children: Arch RoamRight

4 Best Cancel for Any Reason Travel Insurance

1. best for mobile app to manage policy: faye.

• See All 18 Items

Cruise insurance can help, whether you want to know you’re covered in case your flight to the port is delayed or are interested in financial support for medical care while aboard the ship. Here are the leading travel insurance options designed specifically for cruises.

Download the Faye app to access 24/7 customer service for your travel insurance policy. Whether you need telemedicine with doctors to diagnose an ailment while aboard or you’re worried about missed connections with all the complex comings and goings that cruises can involve, this travel insurance is excellent.

Prices start at $5.16 per day for long trips of 14 days when your cruise includes international stops. 

Enjoy trip cancellation, delay, interruption, missed connections, lost or damaged belongings, rental car care, cancellation for any reason, vacation rental damage protection, adventure and extreme sports coverage, emergency medical, and the option to add on coverage for preexisting medical conditions.

Why We Love It: This insurance can be purchased entirely online, making it simple to purchase right after booking your travel accommodations. Then, you can switch from booking to managing your policy through digital channels. Should you need the insurance, it includes quick reimbursement for claims.

2. Best for Tiered Insurance Plans: Travelex Insurance Services

Be fully in control of the coverage options you want included with your travel insurance plan with Travelex Insurance Services. You have three tiered options to select from. This allows you to decide whether you need optional upgrades while balancing your coverage with the price to insure your trip. 

Basic coverage includes up to $15,000 for emergency medical care, $10,000 in trip cancellation and interruption insurance, lost or delayed baggage, missed connections, and 24/7 travel assistance.

Basic coverage averages $170 per trip, while Travel Select averages $240. The company is reputable and known for paying claims and providing outstanding customer service.

Why We Love It: Customize your travel insurance plan to include the coverage you want to provide peace of mind for your cruise experience. Consider your land activities and excursions so you can tailor the plan to meet your needs. 

3. Best for Plan Comparison Across Many Providers: Aardy.com

When you want to price shop your cruise insurance plan, head to Aardy.com. This marketplace lets you input your travel information and review quotes and information for many insurance providers simultaneously.

The online marketplace has an A+ rating from the Better Business Bureau. You’ll see pricing and information from the leading travel insurance providers; prices are not inflated to provide the service. Choose the best insurance plan for you based on the coverage you need and your unique travel details.

Why We Love It: With just a few clicks, you can easily compare trip insurance prices across many carriers. Then, you can purchase your insurance directly and speed up the quoting and information process to plan the fun parts of your trip, such as what excursions you’ll participate in at each port.

4. Best for Cruising with Children: Arch RoamRight 

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

When cruising with children, you receive complimentary coverage for one child with the purchase of adult coverage. That makes your travel insurance more affordable so you can make family memories with peace of mind.

Arch RoamRight grew out of an insurance agency, where the staff saw what customers wanted in an insurance plan. They tailored their coverage to common needs. While the plan only includes two main policy options, you’ll find standard trip insurance needs at a fair price to protect your investment in family fun. 

You’ll enjoy coverage for trip delays, cancellations, interruptions, bag delays, lost luggage, missed connections, emergency evacuations, accident and sickness medical coverage, and more.

Why We Love It: The two policy options simplify selecting your insurance coverage options, especially if you’re new to travel insurance. Adding children ages 17 and younger for free with each paying adult makes covering a family cruise more affordable.

What Is Cruise Travel Insurance?

Cruise insurance is a type of travel insurance that covers expenses like airfare and accommodations, as well as emergency medical situations. The amount of coverage included in your plan will depend on the insurance company you select and the plan tier you choose.

Some insurance coverage includes cancel-for-any-reason, allowing you to recoup costs if you can’t go on the trip for any reason. 

What Does Travel Insurance for Cruises Cover?

Travel insurance offers a variety of coverage options. Look at some coverages you might encounter as you shop for the best policy to protect your trip.

Trip Delays

Cruises involve many transfers and experiences. One small airfare delay could mean you miss the boat, and getting to the next port to board is expensive and complex. Your travel insurance can reimburse you for trip delays.

Trip Interruptions

Once you leave for your cruise, various circumstances could send you home, cutting your trip short. In case of an emergency, insurance can help pay the difference between your previously booked flight and the new one you need to get home.

Trip Cancellations

If you can’t go on your cruise for a covered reason, the insurance will refund you the expenses you’ve paid up to that point. Some covered reasons for trip cancellation include your or a close family member’s illness or a jury duty summons. 

Medical Emergencies

If you need medical care in a country where your health insurance plan is different from your travel insurance, your travel insurance will provide a financial security plan. You won’t have to foot the bill for international medical care. Some plans also cover emergency medical transportation to get you back to the U.S. for treatment. 

Lost, Stolen or Delayed Baggage

Cover your baggage if lost, stolen or delayed during your travels. This includes while it is in the care of the airline and when it is on the cruise ship. It covers replacing the items if the luggage is never returned to you or purchasing items while in port to help you get by until you get your luggage back. 

What Is Not Covered?

Travel insurance for cruises offers many outstanding coverage options to protect your financial investment and prepare for unforeseen events. However, the insurance does have some limitations. Here are some common exclusions in most plans.

• Reasonably foreseeable events that lead to cancellation or problems while on your trip
• Acts of war
• Known storms
• Government-imposed travel restrictions
• Preexisting medical conditions unless you purchase an insurance plan that includes this add-on
• Dangerous activities, such as sky diving or parasailing
• Unlawful acts
• Injuries you sustain while under the influence of illegal drugs, you do not have a prescription for

How Much Does a Cruise Travel Insurance Policy Cost?

Cruise travel insurance costs approximately 3-10% of your trip costs. The final cost of your insurance will depend on how many people you’re covering, the level of coverage you’re seeking, the ages of the travelers you’re insuring, the length of your trip, and various other unique risk factors that insurance companies use to quote your insurance.

Should You Buy Travel Insurance Through a Cruise Line?

Many cruise lines offer the chance to purchase travel insurance when booking. However, shopping around for the best insurance is in your best interest. Policies offered through cruise lines are fast and easy to purchase but don’t allow for customizations and often come at a premium. While you know you won’t forget to shop around for this important insurance and can complete your booking faster when you buy through the cruise line, it’s often better to talk to an agent or shop a comparison website for travel insurance than to book through cruise lines or airlines.

When you do some independent research, you can often find outstanding travel benefits for a better price. Ideally, you also want travel insurance as primary coverage. That way, you don’t have to go through your homeowners insurance policy or pay the larger deductibles your homeowners insurance policy charges for losses.

Protect Your Voyage from a Variety of Mishaps

Cruises are exciting and relaxing experiences. You can go from exploring new cities to relaxing on the cruise ship deck with a cold beverage. It’s an incredible mix of adventure and relaxation you won’t find with many other types of trips. Protect your investment with trip insurance designed specifically for cruises.

Frequently Asked Questions 

Can you get travel insurance for a cruise.

Yes, many travel insurance companies offer policies specifically designed for cruises.

When should I purchase cruise travel insurance?

Purchase cruise travel insurance shortly after booking your trip to protect your investment.

Is travel insurance for a cruise worth it?

Travel insurance for a cruise is a small percentage of the total cost of your trip, making it well worth the investment to protect you in various circumstances.

How do I choose the right travel insurance plan for my cruise?

Compare the coverages available through the travel insurance plan to decide which is best for you based on your needs.

About Rebekah Brately

Rebekah Brately is an investment writer passionate about helping people learn more about how to grow their wealth. She has more than 12 years of writing experience, focused on technology, travel, family and finance. Her work has been published in Benzinga, Hearst Bay Area, FreightWaves and Dallas Observer publications.

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HTH Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What is HTH travel insurance?

What does hth cover, hth policy overview, what’s not covered by an hth plan, how hth compares to its competitors, how much is hth travel insurance, how to buy an hth policy, which hth travel insurance plan is best for me, does hth offer 24/7 travel assistance, how to file a claim with hth travel insurance, is hth travel insurance worth it, hth travel insurance recapped, star rating methodology.

HTH Travel Insurance

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

HTH travel insurance provides plans for all types of travelers, including those going on a single trip, those looking for an annual policy, ship crew members, missionaries and students.

Combined with the ability to have your health care providers paid directly by your policy, this makes HTH travel insurance a good choice for many.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Founded in 1997, HTH travel insurance provides coverage to more than 700,000 customers a year. HTH has policies offering wide range of coverage to many types of travelers, so odds are you’ll find a plan that suits your needs.

HTH’s travel insurance policies are underwritten by Nationwide Mutual Insurance Company. Nationwide Mutual Insurance Company scores a Financial Strength Rating (FSR) of A (excellent) from credit rating firm AM Best.

Many specialized HTH travel insurance medical coverage plans exist, though HTH travel’s insurance coverage still provides limited trip protections.

Generally speaking, here’s what you can expect when you purchase an HTH travel insurance plan:

HTH health insurance coverage : Covers doctor visits, inpatient visits, surgery and more, whether routine or an emergency. 

Medical evacuation : Reimburses costs for when your medical care requires evacuation to another location. 

Trip interruption : Covers costs for nonrefundable expenses as a result of your trip being interrupted. 

Trip delay : Pays for costs incurred as a result of your travel being delayed. 

Lost luggage : Reimburses you for loss, theft or damage to personal effects during a covered trip.

HTH’s policies have a broad array of inclusions. It offers five single-trip plans that fall into two main categories, medical and travel.

It also offers two annual travel insurance plans for specific kinds of travelers.

Some plans focus on medical care, whether or not you have a primary health insurance plan in the U.S. These provide high limits for medical care but limited and fixed benefits for trip protections.

Single Trip Option for Travelers with Primary Health Insurance.

Single Trip Option for Travelers Without Primary Health Insurance.

TripProtector plans, meanwhile, have a lower maximum on health costs and they cover only accidents or illnesses while you’re traveling, not routine care. At the same time, they provide more trip protections, which can be better for those on expensive vacations.

TripProtector Economy.

TripProtector Classic.

TripProtector Preferred.

Here's an overview of HTH's single-trip plan options and what is included.

Long-term travel insurance

HTH also offers long-term travel medical options for those who travel often or who are away for longer than six months.

HTH offers two types of annual plans:

Plans for standard or corporate travelers, called the Xplorer plan.

Plans for maritime crew members, missionaries and students, called the Navigator plan.

Both plans provide only medical coverage and don’t offer other trip protection benefits.

» Learn more: How does annual travel insurance work?

Add-on options

HTH doesn’t provide many options when it comes to add-ons. However, it's most expensive TripProtector Preferred plan allows you to purchase Cancel For Any Reason (CFAR) insurance, which will reimburse you for up to 75% of expenses if you cancel your trip.

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

The coverage you’ll receive with an HTH plan will depend on which plan you’re purchasing. For example, TripProtector Preferred comes with rental car insurance , though none of the other available options do.

HTH’s medical-focused plans are also missing trip cancellation insurance , which is included on each of the TripProtector policies.

Whether you have pre-existing conditions included on your HTH plan is also going to depend on which plan you choose. TripProtector Economy and a Single Trip plan for those without health insurance do not have this option.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

» Learn more: How to find the best travel insurance

On a 5-star scale, NerdWallet rated HTH 4.5 stars. Jump to see our methodology.

A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest HTH plan cost $146. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $233.

When looking across multiple providers, the basic plan for the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does HTH travel insurance cost? To find out the cost of various HTH travel insurance policies, we generated a sample quote for a 28-year-old from Nevada on a three-week vacation to Ireland, with a total trip cost of $4,700.

As you can see, HTH travel insurance costs much more when you add in greater trip protection benefits.

Purchasing an HTH travel insurance policy can be done online. To do so, you’ll first want to generate a quote on HTH’s website .

Before getting a quote, you’ll want to decide if you want more medical benefits or trip protections. Based on this, you can select Single Trip Medical or Trip Cancellation from the drop-down menu on the homepage.

Once you’ve put in all your travel information, HTH will generate quotes for each plan level. You can then select the one that suits your needs and check out with your new policy.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from HTH, you can use a travel insurance aggregator to compare policies across multiple companies at once.

The HTH plan that best suits you will vary based on your needs. For example, if you anticipate having health needs while traveling abroad, you may want to opt for medical-focused plans.

But if you’re planning a more extended trip with many moving parts and want to be reimbursed for things like delayed luggage or missed connections, a TripProtector plan may be more appropriate.

Not everyone has the same needs when traveling, so not everyone should choose the same insurance policy. Here are some things to consider before purchasing a plan.

Look at coverage details

Scour your plan benefits to see what’s covered. If you won't need trip interruption insurance, don’t buy it. Similarly, depending on your health status, you may feel comfortable purchasing a less expensive plan with fewer medical benefits.

Think long term

How often do you travel? If you’re frequently out of the country, you’ll want to weigh the cost of purchasing multiple single-trip plans versus one annual plan. Do the math and see where you’d come out ahead.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

HTH offers 24/7 travel assistance on its TripProtector plans. The issues with which HTH can help you range from prescription replacements and passport replacements to lost luggage retrieval.

You can contact HTH at 877-865-5979, 610-254-8771 or via email at [email protected] .

One of the best features of HTH travel insurance is its Direct Pay option. This allows your HTH policy to pay your medical costs directly to the provider, eliminating the need for a refund.

If you can't use a provider within HTH’s network and the one you choose won’t accept Direct Pay, it’s possible to submit a claim.

To do so, you’ll need to log in to your HTH account.

From there, you can fill out and submit the paperwork for your claim. This is also true of any trip protection claims you have, such as lost luggage or a trip delay.

Is HTH travel insurance good? You'll rarely find health care plans for travel abroad unless they’re just covering accidents and illnesses.

That’s what makes HTH’s medical policies stand out. The fact that HTH provides long-term policies for expats is another bonus, as many countries require that you provide independent medical coverage.

But its TripProtector plans are somewhat limited in scope compared with those from other insurance companies, plus they lack customization opportunities.

Overall, HTH may be a good option for you if you need to seek health care while traveling and don’t mind missing out on many trip protection benefits. Otherwise, you may want to look elsewhere .

HTH’s trip interruption and trip delay benefits can help reimburse the costs incurred by a flight cancellation.

If you use Direct Pay, you won’t need to file a claim since HTH will pay for your health care visit automatically. Otherwise, the time it takes to receive a refund can depend on a variety of factors, including what you’re claiming and the documentation you submit.

HTH travel insurance is secondary, which means it will pay out after other available insurance benefits.

Yes, HTH plans will cover COVID-19 costs.

HTH offers a few travel insurance plans depending on your needs, including options for single- and multi-trip policies. Before you buy a plan, be sure you’ve understood its coverage and costs, especially compared with other policies.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

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: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on 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.

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

7 Nearly Secret Things to Do If You Fly Southwest

Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

Pay no interest until nearly 2025 with these credit cards

Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

5 Signs You’re Doing Better Financially Than the Average American

Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

9 Things You Must Do Before The Next Recession

Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

More from FinanceBuzz:

• 7 things to do if you’re barely scraping by financially.
• 12 legit ways to earn extra cash.
• Can you retire early? Take this quiz and find out.
• 9 simple ways to make up to an extra $200/day

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Meridian Visa* Cash Back Card

The Meridian Visa Cash Back Card is your key to earning cash back and more simply for making everyday purchases. Enjoy great rewards 1 , unique benefits, and exceptional service.

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The Unique Burial of a Child of Early Scythian Time at the Cemetery of Saryg-Bulun (Tuva)

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Pages:  379-406

In 1988, the Tuvan Archaeological Expedition (led by M. E. Kilunovskaya and V. A. Semenov) discovered a unique burial of the early Iron Age at Saryg-Bulun in Central Tuva. There are two burial mounds of the Aldy-Bel culture dated by 7th century BC. Within the barrows, which adjoined one another, forming a figure-of-eight, there were discovered 7 burials, from which a representative collection of artifacts was recovered. Burial 5 was the most unique, it was found in a coffin made of a larch trunk, with a tightly closed lid. Due to the preservative properties of larch and lack of air access, the coffin contained a well-preserved mummy of a child with an accompanying set of grave goods. The interred individual retained the skin on his face and had a leather headdress painted with red pigment and a coat, sewn from jerboa fur. The coat was belted with a leather belt with bronze ornaments and buckles. Besides that, a leather quiver with arrows with the shafts decorated with painted ornaments, fully preserved battle pick and a bow were buried in the coffin. Unexpectedly, the full-genomic analysis, showed that the individual was female. This fact opens a new aspect in the study of the social history of the Scythian society and perhaps brings us back to the myth of the Amazons, discussed by Herodotus. Of course, this discovery is unique in its preservation for the Scythian culture of Tuva and requires careful study and conservation.

Keywords: Tuva, Early Iron Age, early Scythian period, Aldy-Bel culture, barrow, burial in the coffin, mummy, full genome sequencing, aDNA

Information about authors: Marina Kilunovskaya (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Vladimir Semenov (Saint Petersburg, Russian Federation). Candidate of Historical Sciences. Institute for the History of Material Culture of the Russian Academy of Sciences. Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail: [email protected] Varvara Busova  (Moscow, Russian Federation).  (Saint Petersburg, Russian Federation). Institute for the History of Material Culture of the Russian Academy of Sciences.  Dvortsovaya Emb., 18, Saint Petersburg, 191186, Russian Federation E-mail:  [email protected] Kharis Mustafin  (Moscow, Russian Federation). Candidate of Technical Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Irina Alborova  (Moscow, Russian Federation). Candidate of Biological Sciences. Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected] Alina Matzvai  (Moscow, Russian Federation). Moscow Institute of Physics and Technology.  Institutsky Lane, 9, Dolgoprudny, 141701, Moscow Oblast, Russian Federation E-mail:  [email protected]

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