aviva travel insurance terms and conditions

Aviva Travel Insurance UK- Review, Policy, Contact

By Danielle Lyon

Head of content

Decent Value but you’ll need to add lot of extras to get full coverage.

Aviva History

Aviva is a British multinational company which has its headquarters in London in the UK. It has 33 million customers across 16 countries. It is the 26th largest financial services company by revenue in the world.

Aviva is the UK’s largest general insurer. It has various different brand names in the UK such as Aviva Life Insurance, Aviva Insurance and Aviva Investors.

Aviva can date its history back to the Hand in Hand Fire and Life Insurance Society which opened its doors in London in 1696, after the Great Fire of London.

Aviva prides itself on being an ethical company, treating not only its customers but also its staff well. It was one of the first companies to start paying the living wage in the UK.

Aviva Travel Insurance Reviews

Aviva is one of the biggest providers of insurance in the UK, and this can have positives and negatives for their customers. At Selectra, we’re here to help you choose from the best travel insurance deals on the market. To help with your decision, here is our independent review of Aviva Travel Insurance.

First, let’s look at Aviva’s customer service.

Many customers praised the simple layout and clear terms and conditions available on the Aviva Website. Aviva definitely has one of the clearest websites that we have seen. We especially like that in their terms and conditions Aviva uses real-life examples to help customers understand their policy more easily. There is also an obvious absence of “legalese.” It’s not difficult to understand what you are and aren’t getting with your policy.

Customers were also a fan of the “Travel Assistant,” a service which Aviva provides for its customers both before and during their trip. Customers can call the 24-hour helpline with any questions which they may have about travel insurance or other travel related enquiries.

Customers can call about issues such as visa and entry requirements, vaccinations, currencies, languages, time zones or even import and export allowances.

Aviva deals with its own claims and as such generally has positive reviews . Many customers were happy with the customer service that they had received, claiming that the staff they spoke to were knowledgeable, helpful and efficient. They also were pleased with how quickly they managed to get through to Aviva on the phone. Customers who requested callbacks received them promptly.

In reality, trying to get through to the Aviva claim line by phone is reasonably simple. We managed to get through in an average of 5 seconds. Emails were slightly more complicated, with the company taking a few days to respond to claims sent this way.

Generally, as with most insurers, the main problems that customers have is Aviva is problems with rejected claims. Customers have had problems getting their claim approved, especially in cases such as travel disruption and onward connections.

Overall, Aviva is a safe bet if you are looking for travel insurance. There are no middlemen to deal with, their documentation is clear and easy to understand, and their customer service is generally top notch. Just make sure that you read the policy documents carefully to make sure that everything you need is included in the policy. The best way to do this is to call them on their customer service number and buy over the phone.

Don’t just Take our word for it!

The reviews of Aviva online are a bit of a mixed bag. They have a five-star review on DEFAQTO and are in the top percentile of insurance companies on the website Fairer Finance, one of the leading review websites in the sector.

On their webpage, Aviva has an “independent reviews page” on Feefo where they have 2792 reviews and an overall rating of 4.6 out of 5 stars . 2009 of these reviews give the company a 5-star rating so on the face of it, it would appear that Aviva is doing a pretty good job of keeping their customers happy.

However, on other reviews platforms such as Trustpilot, the company only gained a score of 10% , which is abysmally low. So, it would seem that for a considerable percentage of customers.

Aviva Travel insurance policies

Aviva only offers one policy to try and make things easier for their customers. You won’t find different levels of cover here! Not only that but Aviva takes a different approach to the policy they offer. They aim to try and give customers the option of the lowest prices possible and so offer basic policies with “bolt-on” options that customers can add if they feel they might need them.

The maximum trip lengths with Aviva are generous, with the company offering up to 120 days for a single trip (the average is 31) and the number of days can be extended by adding a bolt on to your policy.

Excesses are also reasonably low and only charged in certain circumstances. You will need to view the policy documents to get a better idea of when you will and won’t pay an excess.

Medical emergency and repatriation services

Medical care is the most important part of a policy for most people. The level of cover available at Aviva is very good and should be enough to cover you in any circumstance. They offer £10,000,000 in medical emergency and emergency repatriation. It also offers an additional £1000 for dental treatment.

Hospital benefit and meal expenses are not mentioned in the policy documents so we assume that these will not be covered. Therefore, things like transport to and from the hospital will not be covered by the policy, and you will have to pay them out of pocket.

Customers should be aware that on trips to Australia customers will not be covered unless they are registered with Medicare which is like the Australian “NHS.” British people are covered for medical care under this system which works like the health service here. People can get free treatment much as they would in the UK.

Cancellation

Cancellation is just one of the reasons we recommend that you buy your holiday insurance around the same time that you book your trip. That way you are protected if anything happens between the time of booking and heading off on your holiday.

On the Aviva Insurance page, it doesn’t mention anything specifically about prepaid charges as a separate charge. However, in the policy documents, it does say that if you have paid a deposit on your holiday or have prepaid your travel expenses, then Aviva will cover these in the event of cancellation.

Generally, we would expect to see about £3000 for these types of expenses, so you are getting more than the usual amount in this case.

Generally, claims for cancellation need to be from causes which are outwith your control.

However, there are many ordinary circumstances in which your insurance company may not pay out for your insurance claim:

• If you have to cancel due to a pre-existing medical condition that hasn’t been declared to them when you signed up.
• If you are denied boarding due to your anti-social behaviour, drug use, alcohol or solvent abuse.
• If you forget or lose your travel documentation and aren’t allowed to board.
• If you have taken voluntary redundancy or if you have been fired due to misbehaviour or misconduct.

You do also get some cover for abandonment. This is when your delay becomes so great that you are forced to abandon your trip.

Losing your luggage or being robbed or pickpocketed on holiday can turn a dream into a nightmare. Baggage is one area that Aviva doesn’t have included in its policy as a standard. It must be added as a bolt-on to your policy.

The limits provided by Aviva are generous, and you will be covered whether your luggage is stolen or delayed by airlines.

Keep in mind the difference between the total and the single item limit. The cover for one single item is 450 and valuables at 400, so you will need to rethink any big-ticket items such as laptops or cameras that you will take along with you on your trip.

It is useful to know that you will be able to make a claim much more easily if you have documentation , for example, receipts and even photographs, for the items when you go to make a claim although it is not strictly necessary.

Remember that if you leave your items unattended at any time and they are stolen, you will not be able to make a claim. Generally, you will also need a police report to make a claim. Some customers have also claimed that it is difficult to get money back for things like pickpocketing as often proof of force is necessary.

Included Activities

Aviva has special cover for people who are going to participate in more risky activities . In the policy documents, you can find a full list of activities which are covered as standard in your policy.

Winter sports aren’t covered as standard on the annual policy or single trip cover. You can also add scuba diving, golfing, airspace closure and travel disruption.

As we mentioned before, no travel insurance policy is one size fits all . In order to compare prices we have done a comparison for an annual policy including Europe for a 35 year old woman with no pre existing medical conditions.

As you can see, Aviva's policies are generally quite a bit more expensive then the market average for a similar policy. However, we would encourage all customers to get a quote for themselves before deciding.

Aviva Travel Insurance - Emergency Assistance

Aviva insurance provides emergency 24 hour medical assistance .

If someone is ill emergency assistance means that there will be someone on the other side of the phone who has medical knowledge, contacts and knowledge of facilities to help you get the right care. The emergency assistance team can also help you arrange your transport to go home if necessary.

Aviva has an emergency contact customer service team in the UK. They are available 24 hours a day, 7 days a week.

You can contact them for 24-hr emergency medical assistance and Legal Assistance:

This call will cost the same as a call to a UK landline . We would always recommend having this number saved in your phone and written down somewhere in case of emergencies.

Aviva Travel Insurance Pre Existing medical conditions

Aviva uses an online medical screening process to see if you will be covered for any existing medical conditions. However, If you have any questions or doubts about if your medical condition can be covered or not then you can give them a call.

Many common conditions such as mild asthma or high blood pressure are free of charge and others may only add a few pounds to your policy.

We can’t stress enough that it is vital that you declare your condition as your policy may be invalid if you do need to make a claim for other things down the line.

Aviva Travel Insurance Making a claim

Claims are made direct to Aviva Travel Insurance. You can make a claim by telephone, email or by sending a letter to their claims address.

To make a claim you must get in contact within 31 days after the incident and must provide the relevant documentation.

For making every type of claim, you will need your policy number to hand. Additionally, when making a claim for theft or loss of property, you will need to contact the police to get either a police report or crime reference number. If your document is in another language, you may need to get it translated. In the case of hospitalisation, it will be useful if you have your hospital documents and final bill.

How can I make a Complaint About Aviva Travel Insurance?

It is fairly easy to get in touch with Aviva, and they have decent customer service ratings so you shouldn’t have a problem. However, if you do have a problem with the service you have received at Aviva, then you can contact them in a variety of ways.

If you are still not satisfied with the way they have handled your complaint, you may take your complaint to the Financial Ombudsman Service who will investigate your complaint:

How can I cancel my Aviva Travel Insurance Policy?

Cancelling your policy depends on the type of policy that you have contracted. With annual Aviva Travel Insurance, you have a 14 day cooling off period by law where you can change your mind and cancel the insurance. They will refund the whole sum that you have paid.

After 14 days you can still cancel your policy, but you won’t get any money back.

For all single trip policies that have an end date within 31 days of the date of purchase , there will be no cancellation or cooling-off period, and you won’t be able to get a refund on your policy.

Data and information correct as of December 2018.

All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.

Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary ( moneyadviceservice.org.uk offers free, independent advice on all financial issues).

The services and products mentioned on this website may only represent a small selection of the options available to you. Selectra encourages you to carry out your own research and seek advice if necessary before making any decisions. We may receive commission from selected partner providers on sales of some products and/or services mentioned within this website. Our website is free to use, and the commission we receive does not affect our opinion or the information we provide.

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Aviva: Travel Insurance reviews

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About the Travel Insurance

Travel insurance is important, not only for long-haul holidays, but also short getaways and business trips. Finding the right provider for your insurance policy is vital; knowing you’re in good hands can provide the reassurance required to relax and enjoy your travels. Check out our Aviva travel insurance reviews to find out what genuine customers have to say about Aviva’s policies. Aviva was founded in 2000, and has now insured over 15.5 million people in the UK. Every trip is different, but a suitably robust policy should always be a priority. If you’re planning lots of activities for your trip, Aviva offers cover for leisure activities. See what Aviva customers have said about this policy by reading our Aviva travel insurance reviews. If you travel a lot for business, Aviva’s Multi-trip policy is worth investigating too. Whatever your requirements, check our reviews to see if Aviva can provide what you need from your travel insurance policy. Have you taken out a travel insurance policy with Aviva? Would you consider your policy good value for money? Did you come into any problems with the policy? If you had to make a claim, how well was this handled? Share your experience by leaving an Aviva travel insurance review to help others just like you make an informed decision when choosing their new insurance provider. Help us increase trust and transparency in financial services.

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Aviva travel insurance makes sure you’re adequately covered.

Your peace of mind is crucial to make the most out of your trip or travels. It’s great to keep an itinerary handy but let’s get down to the brass tracks to get rid of the looming fear of going facing the unknown. Travel insurance provides much-needed security against unforeseen circumstances by taking care of the monetary aspect of travel. When you make a claim, you would be reimbursed for expenses covered by the policy. A trusted company that caters to the needs of travellers is Aviva.

Aviva travel insurance typically covers medical expenses, trip cancellations or disruptions, lost or stolen baggage, and emergency assistance services while travelling. They also offer different levels of coverage to suit the needs and budgets of customers. There is an option to add additional benefits like coverage for risky sports, delays in travel, damages, and much more. This article will review what Aviva travel insurance covers, what’s not covered, types of policies and their claims process.

Aviva Travel Insurance plans

Aviva Travel Insurance caters to the needs of different types of travellers and their budgets. Here is a list of their main plans:

Single-trip travel insurance

The single-trip travel insurance provides coverage for one trip and is available for up to a year. This is a great option for those that don’t travel often but have an important trip to take. The coverage typically includes medical expenses, trip cancellations or disruptions, and lost baggage.

Annual multi-trip insurance

The annual multi-trip travel insurance Aviva offers extensive coverage for multiple trips within a year, with a limitation of up to 31 days per trip. This option is recommended for those that are constantly on the go. This is an affordable choice for globetrotters, and includes the same coverage as that of a single tip cover, with additional security for travel delays and missed connections.

Optional extra covers:

• Winter sports: This provides coverage for winter sports like skiing and snowboarding. This would typically include cover for medical expenses, gear damage or loss, and piste closure.
• Backpacker: This is a more risky more of travel as leisure is not a top priority. With several things that could go wrong for the backpacker, this plan will cover for medical emergencies, cancellations, and damage to personal belongings. Its extended trip cover goes for up to 18 months.
• Travel disruption: This provides security for cancellations and trip abandonments due to a pertinent authority forbidding the travel or when there are strikes in the destinations due to which transportation gets cancelled. It is also applicable when natural disasters take a toll on the accommodations.
• Airspace closure: If the airport is closed on the date of travel, this extended clever comes into action. It is also applicable when volcanic activity affects travel or when there are no alternatives for transport for more than 24 hours from the time of departure.
• Baggage: This cover will provide insurance for damage or loss of personal belongings of up to  £1,500 per person. However, this is not applicable if the baggage has been left unattended or if the loss was left unreported for 24 hours.
• Golfing: This provides coverage for loss or damage of golfing equipment for up to £1,500 per person. However, this is not applicable if the equipment was stolen from a motor vehicle and left unreported for 24 hours.
• Scuba diving: A standard insurance will cover the diver for up to 15 m in depth but with this additional cover, it is extended to 30 metres. The specifics depend on the policyholder and there will be variations in the details.

Availing of extra coverage is a smart choice to stay ahead of hazardous accidents or incidents.

What’s not covered

Unfortunately, there are instances when Aviva travel insurance won’t provide coverage. They are:

• Cancellations: Unless you’ve taken out the travel disruption cover, Aviva won’t provide coverage for cancellations of trips if the Foreign, Commonwealth & Development Office advises doing so.
• If any event was bound to occur when purchasing a policy that would inhibit you from continuing the travel or affect travel plans.
• If there are costs recoverable from the travel/accommodation provider, or the bank, you’re advised to go to them instead.
• If the mishaps were not a part of any extra covers.
• Activities specifically excluded in the policy wording.
• If problems occur due to documents being out of date.

How the claims process works

Keep your documents ready: A dedicated team is available to help you 24/7 online or over the phone. Keep your policy number handy to start a claim, along with a copy of your insurance documents.

Expert Review: The speciality team will look at the claim and work out how to best help you. They will review the photos or documents you submit as part of the claim, along with receipts for emergencies.

Quick response- When the due process has been followed, they will reach out post-haste to sort things out.

At home or abroad, the Aviva travel insurance team are there for you. Travel insurance is crucial to provide protection against unforeseen circumstances. You can add up to 8 family members or friends on the Aviva travel insurance. Go through the policies to make the best of it and not blindsight you later on. It promises to give you peace of mind while you’re away from home. The insurance will come into action if things don’t go as planned. For more information, visit Tripcolumn.

Also, Read- Avanti Travel Insurance | Tesco Bank Travel Insurance | Travel Insurance with COVID Cover |

Does Aviva travel insurance cover a cancelled flight?

Aviva travel insurance covers you for costs that can’t be recovered anywhere else. If your flight is cancelled, the first thing to do is check with the airline to find out what options are available. If all costs cannot be recovered, they will look into your circumstances and see if there is help available.

Does Aviva travel insurance cover strikes? 

In case of flight cancellations, contact your airline first or travel agency. If you’ve added the Travel Disruption cover, you might be covered for cancellations due to strikes. This will ultimately depend on when the strikes were announced, the time of booking, and the time of purchasing the insurance. If the strikes we announced to take place in the media, you won’t be covered.

Will the insurance cover missed flights due to delays at the airport?

No, you won’t be covered for missed flights due to delays at or by the airport. Contact your airline or travel provider to see what options are available for you.

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How to Make Sure You Have Enough Auto Insurance Coverage

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Inflation and supply chain problems continue to impact Americans. Auto insurance rates have risen as a result, along with the prices of new and used cars, medical care and even car maintenance.

State-required car insurance limits haven’t followed suit, however, and even drivers with higher limits may not be protected. But if you’re driving around with only the minimum amount of car insurance required, then you’re probably underinsured.

Here are four ways to make sure you have enough coverage before a potential car accident puts you at risk.

Think twice about minimum coverage

Almost every state requires drivers to carry a minimum amount of liability insurance, which pays for injuries and property damage you cause in an accident. While minimum coverage is typically the cheapest policy you can get, your state’s minimum-required limits likely aren’t high enough to cover the full cost of injuries or property damage caused by an accident.

For example, the average bodily injury liability claim in 2020 included more than $24,000 in medical bills, according to the Insurance Information Institute's analysis of data from the National Association of Insurance Commissioners. And medical costs have only increased since that study, with some reaching up to hundreds of thousands of dollars.

Many states require a minimum of $25,000 in bodily injury liability, but even doubling that amount may not be enough. “If you only have $50,000 [...] that’s still not a lot of money to go to the hospital,” says Kevin Boggs, an agency owner with Goosehead Insurance in Bloomingdale, Illinois.

Cover your net worth

You’ll be held financially responsible for costs from an accident you cause, whether or not you have sufficient insurance coverage. If your liability limits aren’t high enough, then you’ll have to pay out of pocket.

NerdWallet recommends getting enough liability insurance to cover your net worth . Your net worth can be calculated by adding up all of your assets, including investment and retirement accounts, and subtracting any debt you owe.

Get uninsured motorist coverage

You should also protect yourself against the risks of being hit by a driver who doesn't have enough car insurance to pay for your medical bills and property damage — or doesn't have any car insurance at all.

About 1 in every 7 drivers is uninsured, according to a 2022 report from the Insurance Research Council. You can protect yourself from these drivers by including uninsured motorist and underinsured motorist coverage on your policy. These coverage types pay for your own medical bills and damage to your car if you’re hit by a driver without car insurance or with very minimal liability limits that don’t cover all of your expenses.

While some states require these coverages, they’re optional in many others. But you shouldn’t skip them just to save money. “Declining underinsured motorist or uninsured motorist coverage is the biggest insurance mistake people make,” said Golnoush Goharzad, a personal injury lawyer in Irvine, California, in an email.

Consider full coverage

To pay for damage to your car, consider full coverage, which includes comprehensive and collision insurance in addition to liability insurance.

Collision insurance pays for damage to your vehicle, even if you’re the at-fault driver or the victim of a hit-and-run. Meanwhile, comprehensive insurance pays for damage caused by things like inclement weather or wild animals. It can even help you replace a stolen vehicle. Both coverage types pay out up to the current market value of your car, minus your deductible, which is the amount of money you’re responsible for.

How to save without cutting coverage

Here are some tips to save on a policy without reducing or dropping coverage:

Ask about discounts . Don't assume you're getting every discount you qualify for; speak with your insurer or agent to see if there are additional savings available.

Increase your deductibles . Insurers will lower your premium if you raise your deductibles, but be prepared to pay the higher amount in the event you need to file a claim.

Bundle your policy . Many insurance companies offer a discount if you combine multiple insurance policies with them, such as car and homeowners insurance.

Shop around . Comparing car insurance is the best way to get the cheapest policy. You should shop around once a year, and compare quotes from at least three different companies every time.

On a similar note...

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

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Best term life insurance for 2024

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Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

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Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

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Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

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Best term life insurance companies

How to find the best term life insurance company for you, frequently asked questions.

Not everyone needs life insurance that covers you for your entire life. For anyone looking for more temporary coverage — like those with young children or a mortgage to pay off — there is term life insurance. Term life insurance provides coverage for a pre-set period of time, which is usually between 10 and 30 years. In exchange for your regularly paid premium, your beneficiaries receive a payout if you die while the policy is active. However, the payout tends to be lower compared to other types of life insurance policies. Bankrate’s guide to the best term life insurance can help you find an insurer that meets your policy needs and budget.

Compare life insurance providers quickly and easily

See which provider is right for you.

Whole life insurance combines life insurance with an investment component.

• Coverage for life
• Tax-deferred savings benefit if premiums are paid
• 3 variations of permanent insurance: whole life, universal life and variable life include investment component

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

• Fixed premium over term
• No savings benefits
• Outliving policy or policy cancellation results in no money back

The best term life insurance companies depend on an individual’s needs and preferences. While your quoted premium will typically not vary as much as for life quotes as home or auto insurance, different companies do offer different coverage types and levels. We chose the following companies based on their third-party financial strength and J.D. Power customer satisfaction scores , as well as the policy options and available coverage capacities (the maximum dollar amount a policy can be). It may be helpful to start your research with the following providers:

Why we chose it: State Farm has the highest J.D. Power score for customer satisfaction on our list.

State Farm is our 2024 Bankrate Awards winner for Best Term Life Insurer for the third year in a row thanks to its superior AM Best score and near-nationwide availability. State Farm offers several term insurance products, but its return-of-premium policy option may be particularly helpful for certain term life insurance policyholders. This add-on coverage (also known as a life insurance rider ) lets policyholders choose between a 20- or 30-year payment term and receive a portion of their premiums back if they outlive the term. The return-of-premium policy can be renewed annually until age 95. While the return-of-premium option comes at an additional cost, it also builds cash value , which is rare in a term life insurance policy.

Why we chose it: Mutual of Omaha offers easy online quoting for its term life insurance policies and a wide array of riders for potential policy customization.

If you want to get an idea of how much term life insurance might cost, Mutual of Omaha offers a term life insurance quote tool online. Enter your gender, date of birth, tobacco usage and coverage amount to get a rate. Mutual of Omaha offers a plethora of additional riders that can be added to its term life policies. It should be noted that not every rider can be used with every type of policy. To verify how much coverage you need and which riders can be added to your policy, you may want to consult with an agent. This company also offers a locator service to help you find a financial advisor near you.

Why we chose it: Pacific Life has term life insurance policy options with high coverage levels.

Anyone wanting to tailor their term life insurance with riders or purchase higher coverage limits might consider Pacific Life for term life insurance. The carrier offers two policy options, Promise Term and Elite Term, both of which are convertible to cash value life insurance. Its Promise Term policy offers a minimum amount of $50,000 in coverage, while the Elite Term starts at $750,000 and goes to $3 million or more. Available options include a waiver of premium for disability, as well as a terminal illness and child term rider.

Why we chose it: Northwestern Mutual offers a wide array of informational resources and policy management tools online.

Northwestern Mutual is the largest life insurer in the U.S. by direct premiums written, with just over 7 percent of the total market share. The company has been insuring consumers for more than 150 years. Its term policies allow you to select your coverage period based on either a set amount of years or until a specific age, depending on which option is most suitable for you. Northwestern Mutual plans are also convertible to whole life insurance , meaning you may be able to adjust your policy as your needs evolve. The company’s A++ (Superior) financial strength rating from AM Best is the highest level available. However, the company only offers one term life insurance rider, so if you want greater policy customization, it may not be the carrier for you.

Why we chose it: Guardian life insurance offers four different term lengths and a long list of potential riders.

Guardian's term life insurance policies are available in four term lengths. The carrier also has a long list of riders for potential policy customization, including a guaranteed renewability clause in the event that you are diagnosed with a serious illness. However, be aware that the company does not offer a network of local agents, so if you prefer to handle your insurance needs face-to-face, you may not be satisfied with the level of service.

There are several factors to consider when shopping for a quality term life insurance policy. Since your life insurance will ultimately be responsible for providing the coverage you want for your family, these considerations may be beneficial to keep in mind when determining which provider is right for you. In addition to policy types, you could consider the following.

Consider customer satisfaction scores and financial strength ratings

Customer satisfaction scores may provide insight for consumers looking to purchase insurance products. These scores reflect how satisfied existing customers may be with the customer service and claims process. You might use these scores to get an idea of how your customer experience could be and which carrier might best fit your expectations.

A life insurance company’s financial strength score reflects its past ability to pay out claims and could help you decide if a company is financially sound. Third-party agencies such as AM Best and S&P publish financial strength ratings for each major provider.

Consider your personal situation

Term life insurance remains active for only a set number of years. To decide whether term life insurance is right for you, it may be helpful to consider what you want coverage for. Do you simply want coverage while your children are young, or would you prefer lifelong coverage?

While term life insurance may be sufficient for temporary needs, like ensuring you could pay off debt and finance college for your kids if you were to pass away, it may not be the right choice if you want coverage for longer. If you need coverage for final expenses or to take care of a lifelong dependent, permanent life insurance may be a better choice. There are several options to choose from, including:

• Whole life insurance : Whole life offers level premiums and a guaranteed death benefit for life. It also builds cash value over time, which you may be able to access through withdrawals or loans. 
• Universal life insurance : Similar to whole life, universal life offers permanent coverage with more flexibility. You can increase or decrease premium payments or the death benefit if life circumstances change. 
• Final expense life insurance : If you only need a small amount of coverage or have serious health issues, final expense life insurance may be your best option. It works like whole life, but doesn’t require a medical exam. Some policies are guaranteed issue, meaning there is no medical exam or health questions on the application. 

Compare multiple quotes

Getting quotes for different types and levels of coverage may help you get an idea of how much you’ll pay for your life insurance. However, keep in mind that term life insurance quotes for the same person and policy type likely won’t vary as much from company to company as auto insurance or home insurance quotes do.

How does term life insurance work?

Term life insurance is a type of life insurance that offers coverage for a set period of time, or term. Term life is usually the most affordable type of life insurance because it only lasts for a specific number of years, usually 10 to 30 years. Unless you buy return-of-premium life insurance, you receive nothing back if you outlive the term. However, many term life insurance policies offer the option to convert to a permanent life insurance policy at the end of the term. Many carriers also provide the option to renew a term life policy annually if you still need coverage past the expiration date.

What is the difference between term and whole life insurance?

Term insurance is designed to provide a death benefit if the insured passes away within the policy term. As the name suggests, term life insurance remains active for a predetermined “term,” which is the window of time that the policyholder chooses — typically between 10 and 30 years. When the term expires, the policyholder stops paying the premiums and the death benefit will no longer be paid out. Whole life insurance , on the other hand, is a type of permanent policy that pays out when the insured dies as long as premiums are paid. It typically contains two parts: a death benefit and a cash value component. Because whole life insurance policies usually have larger payouts, premiums can be two to three times more expensive than a term policy.

What factors impact my life insurance premium?

Life insurance premiums are largely based on mortality risk. In general, the higher the likelihood someone has of passing away while the policy is active, the higher the premium will be. Each insurer has its own underwriting algorithm for calculating your rate. Although each underwriting process is different, your age, gender, weight, health conditions, smoking history and occupation are typically used to help calculate your premium. The amount of coverage that you want to purchase is another key factor in determining the cost of life insurance . For those looking for cheap life insurance , it may be wiser to start shopping at a younger age.

Does having a preexisting condition impact my ability to purchase term life insurance?

Yes, having a preexisting condition may impact your ability to purchase term life insurance. Different conditions may be considered more or less serious by different insurers. If a life insurance provider does approve you for a term life policy with a preexisting condition, your premium may be high to reflect the health risks. Insurance providers may be more likely to approve you if you have conditions that can be managed. For instance, if you have Type 2 diabetes and maintain a healthy lifestyle, you may be more likely to be approved for term life insurance. If you have a preexisting condition, speaking with a licensed insurance agent may help you navigate your life insurance options.

Is term life insurance cheaper than whole life insurance?

The cost of life insurance will vary based on your policy details and personal rating factors, but term life insurance coverage is typically cheaper than whole life insurance, a type of permanent coverage. This is because whole life insurance is designed to offer coverage for your entire life and guarantee a payout to your beneficiaries, as long as premiums are paid and terms of the policy are met. Term coverage, on the other hand, may not pay out a death benefit if you outlive the policy term and do not renew your coverage. That being said, the cost of life insurance coverage varies based on coverage amount and individual risk rating factors, so a term policy with a high coverage amount for an older individual may cost more than a permanent policy for a younger applicant with a low coverage amount.

Hall Pass Learning Solutions Soars as Educational Empowerment Takes Center Stage

Hall Pass Learning Solutions was established by founder Aviva Moore EdD in an effort to provide innovative learning programs. Her deep-seated commitment to prioritizing children and their needs has led to her mission of revolutionizing education.

The core ethos of Hall Pass Learning revolves around individualized, customized education, a stark departure from the conventional one-size-fits-all approach prevalent in traditional educational systems. Aviva emphasizes the fact of today’s education, “Often educators have been challenged by historical systems that limit their ability to successfully listen to and engage all students.” This commitment to listening and adapting to the needs of students and families sets Hall Pass apart in an industry often dictated by institutional norms. 

Within its initial years, Hall Pass Learning experienced exponential growth, with a staggering 400% increase in its third year of operation. The rapid success can be attributed to its unique educational marketplace model. This model connects families with expert tutors tailored to their specific needs, ensuring a perfect fit for each student. 

The process for enrolling is quite simple. The parents get on a call with Aviva Moore to understand the needs and requirements of the child. “Whether the child needs academic support, remediation services, after-schooling, support while home-schooling, or someone to meet with during the school day, we are here for them!” states Aviva. These children are also encouraged to ask their “superhero questions,” during the interview process to promote active participation from the child even in the initial stages. “Oftentimes students will show up, and the tutor will expect that they’re doing a reading excerpt, but the student will say, ‘I need help with this paper.’ And the tutor takes the right turn and responds to the student’s actual needs.”  

However, Hall Pass Learning does not only cater to academic support; but enables students to become self-advocates and lifelong learners. Aviva underscores, “We want to give the students a voice, teaching them self-awareness, and advocacy, while using those skills to set them up for the rest of their lives.”   

Early on Aviva Moore realized that the tutoring industry was a 2-sided marketplace, with the need to secure a student for a new tutor quickly, and a tutor for a new family. This was a business aspect they had to learn while working in the field due to their newness in the industry. However, it was a fun and challenging experience to navigate.  

The hallmark of Hall Pass Learning’s success lies in its dedication to bridging the gap between traditional education and personalized learning. Aviva visualizes a world where students in the future are filled with the confidence to voice their curiosity and experience joy in learning. “This can only be done by increasing the breadth and depth of educational and experiential activities,” she explains.  

As Hall Pass Learning continues to expand its reach and impact, Aviva Moore remains committed to providing comprehensive educational support to families, educators, and school leaders. Aviva is eager to share her experience and educational philosophy across all domains of the education sector through tailored consulting programs.