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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Best Annual Travel Insurance in 2024

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If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

• Newsroom Emirates

Emirates reaffirms care for its customers with latest policy updates

• Airline offers industry’s most generous ticket validity, offering customers the ability and flexibility to hold or use their ticket anytime for up to 36 months
• Extends complimentary multi-risk travel insurance cover for all Emirates customers
• Extends Emirates Skywards Tier Status and Miles validity for frequent flyers

Dubai, UAE, 08 April 2021 – Emirates has announced the latest updates to its already generous booking policies, offering customers even more confidence and flexibility to make their travel plans.

Customers holding tickets issued before 30 September 2020 for travel before 31 December 2021, can now rebook to travel anytime within 36 months, an extension of 12 months from the previous policy.

Those holding tickets issued after 01 October 2020 for travel before 31 December 2021, can utilise their tickets anytime within 36 months from the date of their original booking.

Fees for reissuing any ticket will be waived, and vouchers or unused portions of Emirates tickets may be refunded without penalty.

Customers who hold tickets issued directly by Emirates, whether via emirates.com or the airline’s retail and contact centres, do not have to contact Emirates as the tickets are automatically extended. Customers who purchased their tickets via a travel agent will need to contact their agent before the expiry date to reissue their tickets.

For more information on Emirates’ rebooking policy : https://www.emirates.com/ae/english/help/covid-19/ticket-options/

Multi-risk travel insurance

Emirates was the first airline to provide global multi-risk travel insurance cover for all passengers, and the airline is now extending this facility beyond 31 March 2021 until further notice, offering added value and peace of mind for its customers.

For more information: https://www.emirates.com/ae/english/before-you-fly/multi-risk-travel-insurance/

Emirates Skywards Tier Status and Miles extension

For its loyal frequent flyers, Emirates Skywards is extending the Tier Status of its Silver, Gold and Platinum members until 2022.

The validity of any Skywards Miles due to expire since April 2020 has been further extended until 31 August 2021, providing Skywards members with more opportunities to utilize them for an extensive range of flight and partner rewards as well as other privileges.

For more information: https://www.emirates.com/il/english/skywards/retain-your-emirates-skywards-status/

In addition, Emirates Skywards is offering members a chance to earn double Tier Miles on all Emirates and flydubai flights booked from 01 April until 30 June, for travel until 30 December 2021.

More Information

About emirates.

The Emirates story started in 1985 when we launched operations with just two aircraft. Today, we fly the world’s biggest fleets of Airbus A380s and Boeing 777s, offering our customers the comforts of the latest and most efficient wide-body aircraft in the skies.

We inspire travelers around the world with our growing network of worldwide destinations, industry leading inflight entertainment, regionally inspired cuisine, and world-class service.

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

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

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

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

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Emirates Leads The Airlines With Complementary Multi-Risk Travel Insurance & COVID-19 Cover

by Staff Writer | Jan 4, 2021

Whether essential, business or leisure travel, Emirates' latest complimentary insurance covers most unforeseen eventualities that may pop up during this pre-vaccine era, including contracting Covid, trip postponements, cancellations or quarantine.

Travelling from any of the major destinations to or via Dubai while on Emirates is now a less stressful affair. Thanks to Emirates’ latest complementary expanded, multi-risk travel insurance cover on top of its current COVID-19 cover, the insecurity and unsurety of travelling in the pre-vaccine era now eases.

One of the perks now of being an Emirates customer is that there is peace of mind when planning for travel – knowing that borders may close abruptly, an outbreak or a large cluster could be detected leading to regional closures for a short period of time, or mandatory quarantines may be announced out of the blue – you are covered financially for medical or cancellation costs.

Emirates latest industry-first initiative to provide expanded, multi-risk travel cover on top of its current COVID-19 cover reassures its customers, existing and new that air travel continues to be one of the safest ways of getting around, despite most insurance companies going extra slow on Covid cover for new insurance plans.

HH Sheikh Ahmed bin Saeed Al Maktoum, Emirates Chairman and Chief Executive said: “Emirates was the first airline to offer complimentary global COVID-19 cover for travelers back in July, and the response from our customers has been tremendously encouraging. We’ve not rested on our laurels and instead continued to look at how we can offer our customers an even better proposition. We’re very pleased to be able to now provide this new multi-risk travel insurance and COVID-19 cover, which is another industry first, to all our customers.

“We see a strong appetite for travel around the world, especially heading into the winter holidays as people seek warmer climates and family destinations like Dubai. By launching this new multi-risk travel insurance and COVID-19 cover, we aim to give our customers even more confidence in making their travel plans this winter and moving into 2021.”

Emirates multi-risk travel cover for all

This new multi-risk travel insurance and COVID-19 cover will automatically apply to all Emirates tickets purchased in any class, from 1 December at no additional cost, and extends to Emirates codeshare flights operated by partner airlines, as long as the ticket number starts with 176.

Highlights of the insurance coverage include:

• Out-of-Country Emergency Medical Expenses & Emergency Medical Evacuation up to US$500,000, valid for COVID-19 (contracted during the trip) and other medical emergencies while travelling abroad.
• Trip Cancellation up to US$7,500 for non-refundable costs if the traveller is unable to travel because they are diagnosed with COVID-19 before the scheduled trip departure date, or for other named reasons – similar to other comprehensive travel cover products.
• Trip Cancellation or Curtailment up to US$7,500 if the school year is extended due to COVID-19 beyond the departure date, and the traveller is a full-time teacher, full-time employee, or a student at a primary or secondary school.
• Trip Curtailment up to US$7,500 for non-refundable trip costs and additional costs to return to their country of residence if the traveller falls critically ill, for instance, contracts COVID-19 while travelling abroad.
• Travel Abandonment up to US$7,500 if the traveller fails a COVID-19-related test or medical screening at the airport and is required to abandon the trip.
• US$150 per day per person, for up to 14 consecutive days if, while outside of their country of residence, the traveller tests positive for COVID-19, and if they are unexpectedly placed into a mandatory quarantine outside their country of residence by a governmental body.

In addition to Covid, Emirates’ cover also has provisions for personal accidents during travel, winter sports cover, loss of personal belongings, and trip disruptions due to unexpected air space closure, travel recommendations or advisories.

Other airlines such as Cathay Pacific, FlyDubai, Japan Airlines, Virgin Atlantic, WestJet and Etihad have also started offering complementary COVID-19 insurance cover that generally covers medical expenses related to COVID-19 diagnosis whilst overseas, hospitalisation, testing, mandatory quarantine and repatriation costs.

To pre-empt any developing situation that may arise, all tickets for travel on or before 31 March 2021 on Emirates have an easy rebooking option of extending the ticket validity for two years or change the travel dates.

When onboard the flight, in addition to the superb safety measures in place, the airlines provides a complimentary hygiene kit containing masks, gloves, hand sanitiser and antibacterial wipes to all customers. ◼

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© This article was first published online in Jan 2021 – World Travel Magazine.

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Emirates extends free insurance to cover passengers if trips get cancelled owing to Covid-19

Passengers flying in any class will automatically be covered if their trip is cancelled, extended or abandoned as a result of the coronavirus.

The new multi-risk travel insurance and Covid-19 cover will automatically apply to all Emirates tickets purchased from Tuesday, December 1. Courtesy Emirates

In an industry first, Emirates has launched free multi-risk travel insurance for customers, on top of its current Covid-19 cover.

Provided by AIG Travel, the new policy will automatically apply to all Emirates tickets purchased from Tuesday, December 1.

Emirates customers will be covered when they fly to any destination, in any class of travel. This extends to Emirates codeshare flights operated by partner airlines, as long as the ticket number starts with 176. Customers do not have to fill in any forms or register before they travel.

Highlights of the new cover include out-of-country emergency medical expenses and emergency medical evacuation of up to $500,000. This is valid for Covid-19 cases, if the virus is contracted during the trip, as well as other medical emergencies.

Also included is up to $7,500 of trip cancellation cover for non-refundable costs, if the traveller or a relative (as defined in the policy) is unable to travel because they are diagnosed with Covid-19 before the scheduled departure date, or for other specified reasons.

There is also trip curtailment cover of up to $7,500 for non-refundable trip costs and additional costs for passengers to return to their country of residence, if they or a relative contracts Covid-19 or any other critical illness while abroad.

If a passenger fails a Covid-19-related test or medical screening at the airport and is required to abandon their trip, they will be eligible to receive up to $7,500. Passengers can also get $150 per day, for up to 14 consecutive days, if they test positive for Covid-19 and are unexpectedly placed into a mandatory quarantine outside their country of residence.

"Emirates was the first airline to offer complimentary global Covid-19 cover for travellers back in July, and the response from our customers has been tremendously encouraging," said Sheikh Ahmed bin Saeed Al Maktoum, chairman and chief executive of Emirates.

"We've not rested on our laurels and instead continued to look at how we can offer our customers an even better proposition," he continued.

"We see a strong appetite for travel around the world, especially heading into the winter holidays as people seek warmer climates and family destinations like Dubai. By launching this new multi-risk travel insurance and Covid-19 cover, we aim to give our customers even more confidence in making their travel plans this winter and moving into 2021.”

Emirates’ new multi-risk travel insurance coverage

UAE-based carrier Emirates has announced a new multi-risk travel insurance coverage on top of its Covid-19 cover. The new multi-risk travel insurance coverage will be applicable on Emirates tickets purchased from December 1, 2020. The coverage will also apply to Emirates’ codeshare flights operated by partner airlines.

The newly launched insurance coverage by Emirates has provisions similar to other travel insurance such as personal accidents during travel, winter sports cover, loss of personal belongings among others.

Sheikh Ahmed bin Saeed Al Maktoum, Emirates chairman and chief executive told the media, “Emirates was the first airline to offer complimentary global Covid-19 cover for travelers back in July, and the response from our customers has been tremendously encouraging. We’ve not rested on our laurels and instead continued to look at how we can offer our customers an even better proposition. We’re very pleased to be able to now provide this new multi-risk travel insurance and Covid-19 cover, which is another industry first, to all our customers.

“We see a strong appetite for travel around the world, especially heading into the winter holidays as people seek warmer climates and family destinations like Dubai. By launching this new multi-risk travel insurance and Covid-19 cover, we aim to give our customers even more confidence in making their travel plans this winter and moving into 2021.”

Last month, Emirates said that it is looking to expand its reach in the African continent. In order to do so, it has signed an interline agreement with South Africa-based carrier Airlink. The carrier said in a statement that the deal would allow the carrier to boost its connectivity through its gateways in Johannesburg and Cape Town to more than 25 domestic and regional destinations in South Africa.

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

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From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

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Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

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• Etihad Guest
• Emirates Skywards
• Credit Cards

Free multi-risk insurance on all Emirates flights

• 10 March 2021 6 September 2023

This post includes everything you need to know about Emirates’ complimentary multi-risk travel insurance, including cover for COVID-19. 

Emirates was the first to include free COVID-19 cover on all bookings made with the airline. It is now the first to offer travellers a more comprehensive multi-risk travel insurance. 

What benefits are included? 

The main insurance benefits are: 

• up to  USD 500,000 for overseas medical expenses and emergency evacuation.
• Up to  USD 7,500  if your trip is cancelled due to contracting COVID‑19 or for other reasons named in the policy.
• Up to  USD 7,500  if your trip is cancelled or cut short if the school year is extended due to COVID‑19 beyond the departure date, and you or a relative is a full‑time teacher, full‑time employee, or a student at a primary or secondary school.
• Up to  USD 7,500  if your trip is cut short due to you or a relative falling ill overseas, including contracting COVID‑19, and you need to return home.
• Up to  USD 7,500  if you have to abandon your travels for failing a COVID‑19 test or medical screening at the airport.
• USD 150 per day , per person for up to 14 consecutive days if you test positive for COVID‑19 and are unexpectedly placed into mandatory quarantine while overseas.

Like other multi-risk travel insurance products, Emirates’ policy covers personal accidents during travel, winter sports, loss of personal belongings, and trip disruptions due to unexpected air space closure, travel recommendations or advisories.

Who is covered? 

Everyone who purchased a ticket after  1 December 2020  is covered by this insurance policy.  

All ticket types are covered, including Skywards Miles and Cash + Miles bookings. It also does not matter how you made your booking—all booking methods, whether direct with the airline or via a travel agent, are covered.

The coverage is automatic. There is no need to apply, fill out any forms or register with Emirates in advance. 

The coverage lasts for the duration of your trip or up to a maximum of 365 days. 

On one‑way trips, the cover ends 48 hours after you arrive at your final destination. Cover for emergency medical expenses and overseas quarantine allowance expires 31 days after arriving at your final destination.

How do you make a claim? 

If you need to claim while travelling, assistance is available 24/7 in 11 different languages. 

You will also need to contact the insurer for pre-authorisation if you are likely to be hospitalised for more than 24 hours or incur costs of more than USD 500.

You can find the assistance centre contact details here . 

What are other UAE airlines offering?  

flydubai is also providing passengers who booked after 1 December 2020 with multi-risk travel insurance , including cover for COVID-19. 

Etihad has now extended its  free COVID-19 insurance cover  for all passengers flying with the airline up to  30 September 2021.   The benefits are capped at EUR 150,000 and limited to COVID-19 related issues. 

Air Arabia provides passengers with a limited insurance policy capped at USD $20,000 for all travel up to  30 June 2021.

My thoughts 

This is a smart move by Emirates to boost passenger confidence. The Emirates multi-risk insurance policy is the most generous on offer from any airline in the world. I like the fact that it recognised that the pandemic can disrupt travel in more ways than just needing medical care.

Where is Emirates currently flying?

Emirates has resumed flights to over 70 destinations worldwide. This represents about half of the airline’s pre-COVID-19 network.

2 thoughts on “Free multi-risk insurance on all Emirates flights”

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Travel Insurance we've got you covered

Emergency medical expenses cover when abroad.

Including if you fall ill with Coronavirus during your trip

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Emergency support when abroad

Sports & activity cover available

Many sports & activities covered as standard

UK based customer service team

Here to help you with your policy queries

Please refer to the policy wording for details of cover, terms and conditions.

When we say you’re covered – you’re covered

So if you contract Coronavirus, either before your trip and have to cancel or when you’re abroad and need medical treatment, you’re covered for that too. That’s Travel peace of mind!

For full terms and conditions view our policy wording. For more details on Coronavirus Cover view our Coronavirus Cover Summary.

What's Covered

and what's not?

Coronavirus

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Travel Insurance

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FCDO Travel Advice

Foreign, Commonwealth and Development Office (FCDO) advice.

You’ll need to check the FCDO (Foreign, Commonwealth and Development Office) website for advice on your destination before you book a trip or purchase your travel insurance (whichever is later).

Under your policy terms and conditions, you won’t be covered for any claim if you travel against FCDO or other government advice.

Read our guide to our cover for COVID-19.

Single Trip Travel Insurance

Cover for cancellation.

Immediate cover should you need to cancel you trip Including if you test positive for Coronavirus and cannot travel

Emergency Medical/Dental Cover Abroad

Cover in the event you become ill during your trip.

Cover for personal belongings & baggage

For your items lost, stolen or damaged during your trip

Annual Multi-Trip Travel Insurance

Cover for an unlimited number of trips per year.

Automatic cover for all trips of up to 31 days Cover for up to 60 days per trip available Cost-effective for frequent travellers

Cover for families

Travelling with children aged under 18 at no extra cost

Select your cover type & options

Choose from three levels Bronze, Silver or Gold cover

Existing Medical Conditions

Cover for existing medical conditions available.

We can cover 100’s of medical conditions with our quick & easy online medical screening process

Cover for Worldwide Travel

It’s important you tell us about your medical conditions we will let you know if we are able to cover them whilst abroad

Emergency medical assistance abroad

Travel with peace of mind knowing you have assistance to hand whilst you enjoy your trip

Gadget Cover - Included

Travelling with your gadgets (including mobile phones).

Cover an unlimited number of gadgets up to the value of your cover level during your trip

Protects your gadget against accidental loss, theft or damage

Includes cover for accessories

Includes cover for unauthorised call or data use

Easy to arrange cover

No requirement to register your gadget to validate cover

Gadget - means the portable electronic equipment owned by you , the replacement value of which must not exceed the limit shown in the table of benefits with the relevant proof of purchase, that is in good condition and in full working order at the time of your trip , including laptops, mobile phones, smart phones, iPhones, iPads, tablets, e-readers, MP3 Players, CD/DVD players, head/ear phones, satellite navigation devices, PDAs, handheld games, consoles, cameras, video cameras and wearable technology (e.g. smart watch or health and fitness tracker) but excluding drones.

All gadgets must be less than 6 years old at the start date of the insurance (18 months for laptops) and must have been manufactured to a UK Specification, with valid proof of purchase.

All gadgets must have been:

a) purchased as new in the UK and must be in full working order at the start date of this policy, or

b) purchased by you as refurbished in the UK , as long as, the refurbished gadget was sold with a minimum 12-month warranty and this stated on your evidence of ownership , or

c) gifted to you , as long it meets the criteria in points a) or b) above, and you are able to provide a UK Gift Receipt.

In addition, all gadgets :

a) cannot have been purchased during the trip ,

b) cannot have been purchased outside the UK or Isle of Man,

c) must be in your possession and in good working condition (not accidentally damaged),

d) must not have not previously been repaired using non-manufacturer parts.

Cover Limits & Benefits

Holidayrisk Travel Insurance

Holidayrisk Trip Travel Insurance offers great value for all types of holidays. From beach holidays to city breaks to sightseeing, you can get a quote and buy cover for your trip right now.

So, whether you travel frequently and require an Annual Multi Trip policy or once in a while and need a Single Trip policy we’ve got you covered. With over 25 years of experience we specialise in providing travel cover at low cost prices. Our Travel Plans include 24 hours Global Medical Assistance Service. We pride ourselves on our professional and friendly staff. See what our customers have to say about us.

When Do You Need Travel Insurance?

T ravel is an adventure filled with unexpected detours. Whether it's a volcano erupting in Iceland or a sudden illness before a big trip to Kenya, the unpredictable happens. That's why travel insurance isn't just a checkbox on your planning list; it's a parachute in your backpack for your personal finances . Let's dive into when you really need travel insurance and how it shields your travel investments.

What travel insurance can cover

Travel insurance can give you peace of mind when it comes to several elements of travel.

Natural disasters and severe weather

Did you know that 12% of trips are affected by natural disasters? Take, for instance, my personal mishap in 2010 when the infamous Eyjafjallajökull volcano in Iceland erupted. Ash clouds billowed into the sky, grounding flights across Europe, including my own in London. Stuck unexpectedly and without travel insurance, the financial and logistical stress was immense. This experience underscored a harsh truth: Travel disruptions are not just possible; they are a real risk that can happen anywhere, anytime.

If your travel destination has a reputation for weather-related unpredictability, travel insurance is a must. It ensures you can recoup the costs if you need to cancel or your travel is disrupted. This kind of foresight is invaluable, particularly considering that 41% of U.S. travelers do not purchase travel insurance when going abroad.

Health emergencies

The risk of falling ill or having an accident is more common than most travelers anticipate. In 2022, 1 in 5 paid travel insurance claims was for medical emergencies. U.S. health plans often provide limited coverage overseas, which means you could be facing hefty medical bills far from home without travel insurance. Plus, emergency medical evacuation -- which can cost anywhere from $20,000 to $200,000 -- is typically covered under travel medical insurance, safeguarding your health and your wallet.

Read more: check out our picks for the best car insurance companies

High-cost trips

Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In 2022, the average claim payment for travel insurance was $2,157, while travelers only spent an average of $266 per policy. This relatively small investment can protect against significant financial losses, especially if your non-refundable trip costs are more than your budget can stand.

The "cancel for any reason" safety net

Sometimes, plans change not because of a disaster or illness but simply because you decide to. That's where "cancel for any reason" (CFAR) coverage comes in. This add-on allows you to recover part of your investment even if your reason for canceling isn't covered under a standard policy. While CFAR can add about 50% to your insurance cost, it offers flexibility and peace of mind, reimbursing you for 75% of your prepaid, non-refundable expenses if you cancel at least 48 hours before departure.

Long journeys and remote destinations

Extended vacations or travels to remote locations with limited medical facilities also warrant travel insurance. The further you are from home, the more complicated and expensive it is to handle unexpected issues like medical emergencies or trip interruptions. The average trip cancellation claim was $6,448 in 2022 -- highlighting how crucial it is to have coverage that matches the scope and scale of your journey.

This is also important if you plan to be abroad for a long time. For example, I live with my family in Switzerland for the summer, so we get insurance to cover our entire stay in the event we need to go to a doctor for anything from strep throat to a broken bone.

Other costs covered by travel insurance

Here's a quick list of what's typically covered.

• Trip cancellation: Reimburses 100% of prepaid, non-refundable deposits if you cancel for a covered reason.
• Travel delay: Covers expenses incurred due to delays if the policy covers the cause.
• Cancel for any reason (CFAR): Allows cancellation for any reason not listed in the base policy and provides partial reimbursement.
• Trip interruption: Reimburses non-refundable parts of your trip if interrupted for a covered reason.
• Interruption for any reason (IFAR): This policy offers reimbursement for any interruption, regardless of the reason, as long as it's not listed in the base policy.
• Missed connection: Compensates for costs incurred due to missing a scheduled flight or other transportation due to a covered event.
• Baggage delay: Reimburses for necessary purchases like clothing and toiletries if bags go missing during travel.

These coverages help manage the risks and potential inconveniences associated with traveling, providing peace of mind no matter where your journey takes you.

When you should get travel insurance

Like auto or home insurance , travel insurance is often considered a prudent investment, especially under certain travel conditions where the risks and potential losses could be significant. Here are some scenarios where buying travel insurance proves to be especially worthwhile.

• High nonrefundable costs: If your trip's upfront costs are substantial and nonrefundable, insurance can protect you from severe financial loss if your plans fall through.
• International travel: Having insurance is crucial when traveling abroad, where unexpected issues can complicate matters.
• Remote destinations: Travel insurance is essential for peace of mind and safety in areas with limited healthcare facilities.
• Hurricane-prone areas: Insurance can protect you from last-minute cancellations and disruptions when traveling to regions known for hurricanes or other severe weather.
• Complex itineraries: With connecting flights or multiple destinations, the chances of encountering issues increase, making insurance a smart choice.
• Flexible cancellation options: Certain travel insurance policies can offer partial reimbursement if you need to cancel or cut your trip short for any reason.

Choosing whether to buy travel insurance is about assessing risk. Will the peace of mind of knowing you can handle almost any issue while away from home make your trip more enjoyable? If the answer is yes, then travel insurance is worth it.

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