cota travel insurance

COTA Travel Insurance

Our verdict: with comprehensive cover for covid-19 and no age limit, cota travel insurance is a good option all-round, but particularly so for older travellers..

In this guide

Summary of COTA Comprehensive policy

How does cota travel insurance cover covid-19, what policies does cota travel insurance offer, here's a breakdown of cota travel insurance features, standard features, optional add-ons, how to make a cota travel insurance claim, here's the bottom line about cota travel insurance, frequently asked questions, compare your travel insurance quotes.

Destinations

• COTA Travel Insurance has comprehensive COVID-19 benefits and may cover cancellation costs, quarantine costs, transport costs, medical fees, childcare costs, and pet boarding fees.
• With no age limit and the option to take part in medical screening for some existing conditions, COTA Travel Insurance is a good option for older travellers.
• Although COTA Travel Insurance covers cruises as standard, the PDS doesn't include information about cruise-specific risks so it's not clear exactly what's covered.

Compare other options

Table updated September 2023

COTA Travel Insurance offers strong COVID-19 protection. Travellers will be covered in a variety of situations including:

• Overseas medical costs related to COVID-19
• -you or a travelling partner is diagnosed with COVID-19
• -a close relative or business partner is hospitalised or dies due to COVID-19
• -you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
• Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
• Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
• Travel, meal and accommodation costs if you're required to enter compulsory quarantine due to COVID-19.
• Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
• Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.

There are some scenarios that are not covered by COTA Travel Insurance including if you buy a policy knowing you already have COVID-19 or if you are not vaccinated against COVID-19.

COTA gives you the choice of four plans: Comprehensive, Essentials, Annual Multi-Trip, and Australian Travel.

Comprehensive

Annual Multi-Trip

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that COTA Travel Insurance will cover.

Some of these inclusions are only available on the Comprehensive plan.

• Overseas medical expenses
• Travel delay
• Emergency travel and accommodation
• Lost, stolen or damaged belongings
• Stolen cash or credit cards
• Loss of income
• Personal liability
• Total permanent disability
• Accidental death

As well as the benefits above, COTA also lets you add Snow Sports Cover to your policy. It comes with a range of benefits including:

• Ski lift passes
• Ski run closure
• Hire costs for replacement snow equipment

Unfortunately, travel insurance doesn't cover everything. Generally, COTA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review COTA's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can download a claim form from COTA's website and follow the instructions.

If you need help, you can phone 1300 625 229 within Australia or +61 2 8263 0487 outside Australia. Alternatively you can email [email protected].

COTA offers strong travel insurance, particularly in relation to COVID-19 related expenses. It also extends cover for pregnancy up to 26 weeks, longer than some other providers, and will consider offering cover for existing medical conditions, if you complete an online health assessment.

With no age limit, it's a good option for a wide range of travellers. However, with limited information about how exactly cruising is covered, anyone setting sail might want to clarify the PDS with a CODA representative or consider a specific cruise travel insurance.

Do I have to be a senior citizen to get a policy with COTA?

No. One of COTA's aims is to help older Australians but younger Australians are not excempt from its travel insurance policies.

What if I change my mind about COTA travel insurance?

If you cancel your policy within the first 21 days of buying it, you'll receive a full refund, as long as you haven't started your trip and you're not making any claims.

When would me COTA travel insurance start?

If you pay for your COTA travel insurance policy online or over the phone by credit card, you'll be covered as soon as you receive your certificate of insurance (which should be straight away).

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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12 Responses

We are travelling to Kenya for 2 weeks on 3 October until 17 October 2024, and looking for travel insurance for that time. Can we please have a quote. Thank you

Hi Inga & Ron,

We currently don’t have COTA on our panel. You can obtain a quote from them directly, or you can get a range of quotes from other travel insurance providers here .

I have diverticular disease, is this condition covered under your policy

Thank you for your question.

Pre-existing conditions are assessed on a case-by-case basis. You may find our article about travel insurance for pre-existing condition helpful.

Cota Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to our travel insurance home page.

Cheers, Zubair

I only need to cover 2 airfares to Sydney 800 dollars

Thanks for getting in touch with Finder.

If you wish to get covered by Cota, please visit their website where you can get a quote or purchase their policy.

If you would like to compare the brands in our panel, please head over to our travel insurance home page . You may also find our travel insurance for flights only article helpful.

While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

All the best, Richard

I am interested in taking out a travel cover. Is it necessary to join COTA membership to be eligible?

Thanks for contacting Finder!

I’m afraid we currerntly don’t have a partnership with COTA. If you would like to get cover from COTA, you will need to head to their site directly.

If you would like to compare your cover options from brands in our panel, you can do so by entering your travel details into the comparison tool on the travel insurance home page .

Hi there, I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe. Many thanks Eva

Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.

However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page . The comparison table does not only show the age cut-off but the maximum single trip length as well.

I hope this was helpful, Richard

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Cota Travel Insurance Review

An Aussie Insure summary of...

Cota Travel Insurance is an integral part of the Cota insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. Cota also have a selection of products for those who are planning a trip overseas or within Australia.

Cota offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

Cota Travel Membership

Cota Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from Cota, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

Cota Travel Insurance Online

Purchasing an online policy from the Cota website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Cota Travel Insurance Contact Details

Below you will find contact details for Cota Travel Insurance compiled by the Aussie Insure research team.

Website:    Cota Travel Insurance

Email:     [email protected]

Telephone:    1300 1300 50

FAX:    (08) 8112 8180

Address:    16 Hutt Street, Adelaide SA 5000

Cota Travel Insurance Notes

Please note that the information on this page concerning Cota Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

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 for Seniors and Retirees.

Table of Contents

• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

SEE FULL REVIEW »

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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• Paid Member Benefits

COTA Insurance

• COTA Holidays
• COTA Contacts

For all your travel, home, car, landlord and caravan insurance needs, designed specifically for Australians over 50.

Call us directly at COTA Insurance on 1300 1300 50 or click here to get an online quote.

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When to book your travel insurance

By Taryn Topperwien

You have just booked a holiday and are considering travel insurance to cover yourself, but when is the best time to book it?

Many people leave it to the last minute, says research done by Finder in 2019¹. The research found that 39% of Australian travellers book their travel insurance at the last minute. Of those that book their travel insurance last minute, 18% were found to book less than three days out, while a further 10% book less than a week out, with only 8% of Australian travellers booking six months in advance.

It’s important to remember that travel insurance covers you for some events from the day it is purchased. By leaving it until the last minute, you could be putting yourself at risk. There are many things that can go wrong between booking your holiday and actually departing on your holiday. Travel insurance may cover these events such as a sudden death in the family that means you need to stay home, delays or cancellations that can affect your booked holiday, or cancellation cover for an unexpected illness, injury or even death.

Finder also reveals that Generation Y were found to be the riskiest travellers (the population currently aged between 25-40 years old) when it comes to travel insurance, with 53% only booking their insurance a few days before their trip departure. In comparison, 31% of Baby Boomers (the population currently aged between 57-75 years old) leave it to the last minute.

Travel insurance may also include cover for injuries sustained while doing certain activities, like skiing or snowboarding. Check whether or not your travel insurance covers you for the activities you intend to do, because if you need to go to hospital due to an accident from participating in an activity, you can be looking at large financial costs.

Once bookings are made and deposits are paid, customers can potentially be at risk of being out of pocket if plans change.  ​Some book days before, others a year ahead. It’s mostly about considering personal circumstances.

Tom, COTA Insurance

Remember, the Australian government website Smartraveller recommends “If you can’t afford cover (travel insurance), you can’t afford to travel.” So when booking your next holiday, remember to consider booking your travel insurance as soon as you can.

Contact COTA Insurance for more information or get a quote on your travel insurance at 1300 1300 50 or via our website here.

¹ www.finder.com.au/press-release-june-2019-jetset-roulette-aussies-book-travel-insurance-at-the-last-minute

www.insurancebusinessmag.com/au/news/breaking-news/australian-travellers-book-cover-at-the-last-minute-study-finds-169910.aspx#.XQQ8hOpI-S0.email

www.finder.com.au/travellers-at-risk-by-delaying-travel-insurance

www.smartraveller.gov.au/consular-services/resources/choice-travel-insurance-guide

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Travel insurance for some coronavirus-related events

By Taryn Topperwien

Have a holiday booked? Then it’s more important than ever to know exactly what you are and aren’t covered for before you go.

Coronavirus has changed travel for everyone and even though you might have a holiday booked, it’s more important than ever to know exactly what you are and aren’t covered for before you go.

Cover offered for coronavirus-related events

Cover for some coronavirus-related events is available on COTA travel insurance plans (except the Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.

We have policies that include plans which offer cover for:

Overseas Medical Benefit

If you get sick with coronavirus while on your trip, all COTA travel insurance plans include cover for overseas medical expenses. As always, these are subject to our terms, conditions, limitations and exclusions around existing medical conditions.

Medical evacuation and repatriation

COTA travel insurance plans (except Cancellation and Additional Expenses plan) include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.

Coronavirus Travel Costs

The Coronavirus Travel Costs benefit is available on the International Comprehensive, Australian Travel and Annual Multi Trip plans. Plans including Coronavirus Travel Costs can provide cover for several coronavirus related events, including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus, up to the relevant benefit limit.

The Coronavirus Travel Costs benefit includes cover for the following events

• Non-refundable travel costs incurred if the traveller or a member of the travelling party is certified as medically unfit to travel due to being diagnosed with coronavirus.
• Non-refundable trip costs if a close relative in Australia is hospitalised or dies due to being diagnosed with coronavirus.
• Non-refundable travel costs if the insured is permanently employed as a healthcare worker, residential care worker or law enforcement officer and their pre-approved leave is cancelled due to coronavirus.
• When the insured’s accommodation is closed for cleaning due to a confirmed case of coronavirus at the accommodation.
• If boarding scheduled public transport is denied because the insured is suspected of being infected with coronavirus.
• Costs for compulsory quarantine if during the trip the insured is diagnosed with coronavirus or is a confirmed ‘close contact’.
• Childcare costs if the insured gets coronavirus during the trip and is unable to take care of their dependent children as a result.
• Care for pets back home if the insured is diagnosed with coronavirus during their trip and as a result is unable to return home as scheduled.
• Your tour is cancelled due to your tour guide being diagnosed with coronavirus.

As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) carefully to know what is, and isn’t, covered.

Insurance and Membership Services Limited ABN 59 057 159 743, AR 246235 trading as COTA Travel Insurance is an authorised representative of nib Travel Services (Australia) Pty Ltd, ABN 81 115 932 173, AFS Licence No 308461 and act as nib’s agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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COTA Insurance Travel Insurance

Important information on terms, conditions and sub-limits.

Are you looking for a travel insurance provider for your upcoming trip? Read more to find out if COTA is right for you. 

About COTA Insurance

COTA Insurance is a not for profit insurance company that specialises in providing insurance for older Australians. 

COTA Insurance plans

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Choose $2,500 to unlimited

Comprehensive

Choose $5,000 to unlimited

Assessment required, may cost extra

Annual Multi Trip

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

COTA Insurance customer reviews

Cota insurance travel insurance.

There are no ratings yet for COTA Insurance travel insurance.

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Travel tips from the experts

By Taryn Topperwien

Off travelling soon? Need a few tips and reminders from the experts? Everything from packing, clever things to take, all the new COVID rules and even quarantine free destinations – the experts give you their tips below!

Return to travel advice

Quentin Long from International Traveller, recently appeared Channel 9’s Weekend Today show with his new travel tips. See the video  HERE  for his advice, including:

• Passports –Get passports sorted and renewed early, there is a big backlog at the moment so allow for delays.
• Visa’s – Remember travel visas for some destinations, check before going if this applies to your destination and make sure they are organised in advance.
• Health – do you have enough medicine for your time away? Because we are all so focussed on COVID-19 we also need to remember our own medicines and any relevant travel vaccines, like Yellow Fever, Hepatitis A, Rabies etc.
• Cash – remember to organise your foreign currency before leaving, such as foreign cash or travel cards.
• Travel insurance –  “If you can’t afford travel insurance, then you cannot afford to travel!”
• Download your International COVID Vaccination proof, and have them available (including hard copies) for your travel destinations.
• Make sure you know and fulfil what the COVID testing requirements are for your destinations and operators.
• Pack enough disposable masks for your time away – a new mask whilst travelling every 4 hours is advised. Also, pack hand sanitiser and hard copies of your vaccinations and test results.
• Record all support contact numbers, such as the local consular, medical and travel insurance contacts.

Overall, Quentin’s advice is to get a travel agent for overseas booking, as they are up to date on all the requirements.

Essential travel items

Escape.com.au is a popular website that inspires travellers with great stories, advice, trends and news from a team  of  expert travel journalists. Share their essential travel items, from all different nick knacks to the more obvious practicalities.

Lightweight jacket

Always carry a lightweight jacket that can be folded into the palm of your hand.

Translation app

Travel with an audio translation app on your phone, great for overcoming language barriers, there are many to choose from.

After a day of sightseeing or hiking, a golf ball is a handy tool. Take off your shoes and roll the ball on the soles of your feet. It is an instant massage and rejuvenates your muscles ready for another day of sightseeing.

Take your own favourite tea bags travelling as you can never be sure what (if any) will be at your accommodation. There is nothing better than a hot cup of tea at the end of a long sightseeing day.

Empty water bottle

Make sure to pack an empty water bottle. Once you are through security at the airport you can fill it up at the water bubblers and ask the flight attendants to fill it for you on the plane. This saves money on purchased drinks and keeps you hydrated.

Pack of wipes

Wipes can help in so many ways when travelling, such as make up remover at the end of the day, cleaning shoes or white sneakers, blotting a stain out of clothing or simply cleaning sticky fingers!

Cadence’s natty little capsules

Small containers that stick together with tiny magnets. Use them for toiletries, tablets, small jewellery items and more. The labels can be customised and they fit enough product for a week’s trip away, without leaking or cracking. check them out  here.

Zippered pillow case

For many reasons this is a good idea. Use it for a dirty laundry bag, or use it when your luggage is over the weight limit, fill it with clothes and use it as a pillow on your flight (and reduce your luggage weight). Lastly use it as a pillowcase in your accommodation, if you don’t like the ones supplied!

Glasses chain

Glasses chains, now available in many styles online, not only act as a perfect way to keep your glasses or sunglass on you, but they are also ideal for facemasks. They are also a clever way to keep hold of your Air Pods!

Padded cases

Soft cases, such as  these  are ideal for anything that needs protection from damage while travelling, such as a laptop, tablet, passport, travel papers, and glasses.

Mini mist sprayer

A mini water mister is ideal for combatting the dry air on a plane trip or keeping you cool in a hot climate. You can even use it to mist and hang your clothing when you don’t have access to an iron. They are available  here.

Elva’s packing tips

Of course, our expert packing tips would not be complete without our lovely Elva’s packing tips that you can read about  here ,  or view here –  COTA Insurance on You Tube.

Qantas travel tips

Country updates

Make sure to check your destinations precautionary steps in relation to the COVID-19 variant of concern. See  Travel Updates  for more information.

Before booking and travelling, make sure you check the latest Government travel requirements. These may include mandatory health declarations, vaccinations, COVID-19 tests, use of facemasks, entry permits, pre-approval and quarantine (possibly at your own expense), or you could be denied entry.

Also, check the latest airline travel requirements to ensure a seamless journey.

Have your passport ready, remember to check your passport expiry date, and ensure it meets the validity requirements for the destination you are travelling to.

International vaccination and travel requirements

Before you get to the airport, make sure you have a valid vaccination certificate for international travel.

If you need a pre-departure COVID-19 test, it is important to ensure you have the correct documentation from an approved testing facility.

For those with vaccination exemptions and medical clearance, make sure you have the required proof  if you can’t be vaccinated for medical reasons, or require prior positive medical clearance for your pre-departure test.

At the airport and on board

With the impact of COVID-19, there are some changes to inflight and airport services, lounges and more. Arrive at the airport early, as airports might be busier than we are may have been used to in the past. It is recommended that you arrive 4 hours ahead of your international flight.

Bookings with other airlines, travel agents and other third parties

If your flights were booked through another airline, a travel agency or third-party website, you will need to contact them directly for assistance. If you are having difficulties contacting your agent, or your agent has ceased operating,  complete this request form .

Travel destinations that are quarantine free

For the full article and information on this, please visit  HERE  information was accurate at the time of print; however, it may have changed since.

New Zealand

Vaccinated Australians can enter New Zealand and self-test on arrival. You must provide a negative COVID-19 pre-departure test. After you enter New Zealand you must do two rapid antigen tests (RATs) on Day 0/1 and Day 5/6 and declare your results.

Switzerland

Switzerland is relaxing COVID-19 restrictions. You are no longer required to present proof of recovery certificate or negative PCR test on arrival. Non-residents must still present proof of COVID-19 vaccination to enter.

Quarantine-free for fully vaccinated Australians. You will still need a pre-departure test within two days of departure and complete a Singapore Arrival Card. If you are not fully vaccinated you will need to purchase travel insurance with a minimum coverage of SGD 30,000.

Quarantine-free for fully vaccinated Australians. From April 1, pre-entry COVID-19 tests are no longer required for entry if you are fully vaccinated.

Quarantine-free for fully vaccinated Australians. You will still need a pre-travel PCR test lab result with validity 48 hours from departure time at the country of origin

Quarantine free travel to fully vaccinated travellers. Proof of vaccination, a negative pre-departure COVID test (PCR-48 hrs/RAT 24 hrs before flight) as well as evidence of a pre-booked RAT following your arrival into Fiji is required, and travel insurance with international coverage for COVID-19.

If you’re aged 18 and over, you must be fully vaccinated against COVID-19 and provide proof of vaccination and show a negative COVID-19 test result taken no more than one day before travel.

Quarantine-free travel to Thailand for fully vaccinated travellers who apply for ‘Test and Go’ scheme. You’ll need proof of vaccination, a negative COVID test (RT-PCR) after arrival, booking for one day at approved SHA Extra+ or AQ hotel, insurance with minimum coverage of $20,000 USD.

Items travel experts never travel without | escape.com.au

www.escape.com.au/travel-advice/10-handy-travel-essentials-you-shouldnt-leave-home-without/news-story/74326d0d54f4c23a1abff0dc5e6ad682

www.facebook.com/iwakeupwithtoday/videos/513751617044688

Cruise ships ban to end April 17 (homeaffairs.gov.au)

Cruising ban lifted: Which cruise lines and ships are coming back to Australia (traveller.com.au)

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Travel inspiration for 2022

By Taryn Topperwien

With International flights now back in most states, many people are just itching to get away after a long lock down from the rest of the world. So where should Australians travel in 2022? Read more here:

Destination content thanks to Qantas.com.au

With International flights now back in most states, many people are just itching to get away after a long lock down from the rest of the world. So where should Australians travel in 2022? We look into 5 international destinations that are open for Australian travellers. Hopefully this can offer you some inspiration for travel in 2022.

COTA Insurance is now offering domestic and international travel insurance through nib, including  cover for some COVID-19 related events*. For more information or a quote please visit our  website here ( cota.com.au/products/travel/ ) or call one of our friendly staff on  1300 1300 50.

Feast your senses in the culturally rich, technology driven streets of Tokyo, carve up the powder during ski season in Hokkaido or immerse yourself in the world heritage sites of Kyoto, Osaka or Hiroshima. Japan offers the perfect balance between the traditional and the modern, and will captivate the most seasoned of traveller.

Short on time and chasing the taste of local culture, traditions and cuisine without leaving the city? Explore the city destinations in Japan to experience a mix of old and new technologies mixed in with centuries of tradition, ancient charm and superb Japanese dining options. Popular city destinations in Japan include Hiroshima, Osaka, Sapporo and Tokyo.

Explore the bustling streets filled with hawker markets, epic horticulture and high-flying cocktails at sky-soaring bars. This is a city where you can simultaneously play it safe or tap into your intrepid side.

Singapore is home to world-class attractions plus plenty of hidden gems tucked in amongst all the well-known sites across the city. Seek out the candy-coloured houses of Koon Seng Road in Katong to peek at these gorgeous facades.

No stop in Singapore would be complete without marvelling at some of the city’s majestic greenery: The Singapore Botanic Garden and the Gardens by the Bay are massive attractions for a reason.

Packed with wet markets and alleyways crammed with colourful wares (and characters), Little India is a vibrant hub of culture and community worth visiting especially during Deepavali and Pongal festivals.

For cute shops, cool bars and quirky cafes, all crammed into one of the city’s skinniest streets, head to Haji Lane for a fresh juice, a spot of shopping or a frosty craft beer. With so much to do, stop in and spread your time all over the city.

With new hotels opening all the time, you’ll find a variety of accommodation experiences in Singapore. For a bed above the clouds and a dip in the world’s largest rooftop infinity pool, stay at the Marina Bay Sands to enjoy an envious swim in their exclusive guest-only pool. Decadence abounds in the Downtown Core area of the city, with hotels like the Mandarin Oriental, The Fullerton Bay Hotel and The Ritz-Carlton all offering elegant escapes.

Alternatively, surround yourself in minimalist chic by staying in one of the monochromatic rooms at the boutique Hotel Mono. For beachside bliss, set off for Sentosa Island for plush hotels and family-friendly resorts.

In the quaint neighbourhood of Katong, you can experience a local side to Singapore by staying in an Airbnb amongst the coloured shop houses and cute cafes. There are infinite accommodation options to make your stay in Singapore unforgettable.

Live out your island fantasies in beautiful Fiji. Relax on palm-fringed beaches, swim in turquoise waters, marvel at rugged volcanic peaks and be welcomed with a big friendly ‘bula’! Plan your Fijian trip to Nadi and the tropical islands beyond.

Whether you’re an avid hiker, enjoy deep diving or prefer taking in it all in with a cool drink in hand, Fiji has got you covered. There’s so much to do, discover, taste and experience. Whatever type of traveller you are, Fiji will keep you busy from dusk till dawn. All while you experience the unique hospitality of the beautiful Fijian Islands.

Lose yourself in Canada’s vast, pristine wilderness and vibrant culture. You’ll meet roaming wildlife along the way, traverse rugged mountains and cruise coastlines adorned with historic lighthouses. Seek out iconic turquoise lakes, majestic waterfalls, vibrant cities and world-class ski resorts and create memories you’ll be telling for a lifetime.

When you’re looking for an adventure holiday in Canada, there’s an action packed holiday waiting for everyone. Whether you’re chasing snowfields in Whistler, the stunning Lake Louise in Banff or hiking in Vancouver.

Bears, moose, mountains, lakes and the country’s distinctive mounted police force are some of the things that come to mind when you think of Canada. But let’s not forget the extraordinary meals, cool culture and unique blend of history. There’s a whole lot more to Canada than what you might expect, you just have to know where to look. Popular destinations in Canada are Toronto, Montreal, Vancouver, to just name a few.

Anyone can see why the Pacific archipelago of Hawaii is a favourite pick for travellers. With cobalt waters, powder-white beaches, volcanic peaks, indigenous wildlife, and rich traditional culture. Hawaii’s vibe is casual and laid-back, with life here mostly lived outside. Locals and visitors divide their time between chowing down on traditional island food, surfing or bodyboarding the waves, snorkelling or diving the coral reefs, or hiking over ancient lava flows.

No matter which island you end up on, Hawaii is full of friendly faces, spectacular scenery and good eats. Each island has a unique flavour, so find the perfect one to plant yourself on or hop around and sample a few.

The capital island of Oahu is known as ‘The Gathering Place’, and you’ll see why if you base yourself on this multicultural and modern island. With a mixture of natural wonders, a rich cultural heritage, the famous waves of the North Shore and many big but laid-back resorts. On Oahu, you’ll find beautiful beaches also come with plenty of shopping, restaurants and nightlife around the resorts and hotels of Waikiki or venture to Kailua Beach, the North Shore or Lanikai to find fewer crowds and more Airbnb’s.

For beaches, big waves and restaurants galore, Maui is your spot. Here you can snorkel in calm coves or seek out monster waves, traipse along scenic trails before ending your day with a regional feast made from the island’s best.

The Big Islands wild and diverse range of natural wonders, like volcanos, waterfalls and rainforests, make this island a hiker’s dream.

Kauai is the lush and laid-back island where you’ll instantly enjoy the lifestyle with the North Shore offering family-friendly resorts in Princeville. Witness the sea caves, waterfalls, and deep valleys of Kauai’s unparalleled Nā Pali Coast, snorkel with the turtles in Kauai, whale-watch in “winter” or visit some famous movie locations.

www.qantas.com/au/en/destinations.html

www.qantas.com/au/en/travel-inspiration/travel-bucket-list.html?int_cam=au%3Aen%3Aarticle%3Atravel-bucket-list%3Aen%3Ann

Insurance and Membership Services Limited ABN 59 057 159 743, AR 246235 trading as COTA Travel Insurance is an authorised representative of nib Travel Services (Australia) Pty Ltd, ABN 81 115 932 173, AFS Licence No 308461 and act as nib’s agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193. *Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the PDS.

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Terms & Conditions

10% off travel insurance over the phone.

Seniors Card holders to receive 10% off of your travel insurance quote*.

call us on 1300 1300 50

No age limits on some travel insurance policies. Insurance tailored for travelers over 50.

*Terms & Conditions

1.   The offer is a 10% discount on the premium for an ‘eligible policy’.

2.  This offer applies to the base premium only. Additional cover options cannot be discounted, these include the extra cancellation option, new for old luggage option, winter sports option, increased rental vehicle excess and additional cover for specified medical conditions.

3.  Offer valid until 31st December 2025.

4.   An ‘eligible policy’ is any of the following COTA Travel Insurance policies:

• Comprehensive Overseas and Annual Multi Trip Plan
• Essentials Plan
• Australian Travel Plan.

5.   To take advantage of the offer you must request the discount to be applied at the time the eligible policy is taken out.

6.   The offer is available by phone only.

7.   The offer cannot be used in conjunction with any other offer.

8.   The offer does not apply to existing COTA Travel Insurance policies.

9.   COTA Insurance reserve the right to amend or withdraw this offer at any time.

10.  Whether COTA Travel Insurance issue a policy and on what terms, is subject to standard underwriting guidelines.

Consider the PDS & TMD available from us and if the product is right for you. Insurance issued by nib Travel Services (Australia) on behalf of Pacific International Insurance. *Cover is subject to the terms, conditions, limits, and exclusions in the PDS. #The discount applies to the total COTA travel insurance premium and is for seniors card holders only when purchased over the phone. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount. Offer is valid from 1st July 2024 9am AEST until 31st December 2025 11:59pm AEST.

• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

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.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for medical-only coverage: GeoBlue Travel Insurance
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most U.S. health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best International Travel Insurance Overall

Allianz travel insurance.

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Best International Travel Insurance for Exotic Trips

World nomads travel insurance.

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Best International Travel Insurance for Trip Interruption

C&f travel insured.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

Best International Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

Best International Travel Insurance for Family Coverage

Travelex travel insurance.

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Best International Travel Insurance for Long Trips

Seven corners travel insurance.

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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How Do Travel Insurance Claims Work?

Few adventures are as exciting as long-distance travel, but it adds an element of uncertainty. Unexpected travel disruptions can happen, causing unnecessary financial loss. That’s where travel insurance comes in. Travel insurance will cover you for most travel disruptions. Still, you must understand the policy terms and conditions and submit a claim to reimburse nonrefundable expenses. 

In this detailed guide, find out how to submit a trouble-free claim to prevent reimbursement delays. 

Key Takeaways

• Understand your policy benefits, exclusions and limits.
• Keep all receipts and documentation connected to travel disruptions.
• Promptly submit claims and then track your claim online.

Steps for Submitting a Travel Insurance Claim

• Determine if You're Eligible for Coverage

Provide All Necessary Documentation

• See All 16 Items

Submitting a claim is not difficult, but you must meticulously follow each step to avoid delays. 

Determine if You’re Eligible for Coverage

It makes sense to check whether you have coverage before you waste time completing claims. Look through your policy terms and conditions to find out what it covers. Policies are usually quite clear about insured events. Look for benefits, excluded events, and claim limits. If you are still uncertain, contact your insurer via email or telephone. 

Include all required documentation. Many claims are delayed because they arrive without the needed documents. Submit your documents online if your insurer offers this service. It’s a quicker and more reliable way to ensure the travel insurance company receives your claim’s submission.

You’ll need a copy of your insurance policy, proof of payment, and correspondence regarding the claimed occurrence. You may also need a passport and visa. The remaining required documentation will depend on the type of travel insurance claim. 

Trip Cancellation

Submit all the documentation explaining why you had to cancel the trip. Required documents may include a doctor’s note for illness or proof of a family death. Most insurers also cover natural disasters, jury duty or court subpoenas, terrorist attacks, civil unrest, visa or passport theft and serious residential damage from flooding or fire. You will need proof of the event if you cancel for these reasons. 

You must also provide proof that you canceled the trip you are claiming. Your insurer may request that you submit any unused airline tickets. You can claim for transportation, accommodation, tours and vehicle rental up to the limits specified in your policy. 

Provide information about the amount refunded by the travel provider. You may only claim nonrefundable payments. 

Are you looking for more information about trip cancellation insurance? Here's everything you need to know . 

Trip Delay 

Postponed or canceled flights are the most likely cause of trip delays. Check your travel insurance policy to understand the benefits, limits and exclusions. Trip delay coverage takes a while to take effect. Usually, coverage kicks in between six and twelve hours. It covers extra costs incurred for transportation, meals and accommodation. Your insurance may also cover the costs of rescheduled flights, activities and events you miss because of the delay.

Insurers cap the coverage. The limits should appear in your policy. Keep all receipts resulting from trip delays. Use these receipts with airline confirmation of the delay to support your claim. 

Trip Interruption

Trip interruption differs from trip cancellation in that it occurs after your trip has started. The interruption cannot be of your own making. It must be outside of your control. An example might be an outbreak of war or a natural disaster at your destination. It also covers the death of a travel companion, medical evacuation, illness, injury and natural disasters. You will not have coverage for preexisting medical conditions. 

Trip interruption coverage will reimburse you for nonrefundable trip expenses incurred for the canceled portion of the trip. This insurance does not cover trips lasting more than 60 days . 

If you’ve had to interrupt your trip you will need proof of the reason for the cancellation. 

Baggage And Personal Effects 

Immediately report the loss or theft of personal effects. If your personal effects or baggage is stolen, you’ll need a documented police or airline report and receipts proving the value of the lost goods. 

If your goods were lost by a transport company, like an airline, you must prove that the transporter did not reimburse you for your loss. Your insurer will want a list of the bag's contents, including valuables. 

Medical Expense 

If you’re unfortunate enough to become ill while traveling and have travel health insurance , file a medical expense claim for reimbursement as soon after the event as you can. Your submitted claim must include medical reports documenting all procedures and medicines provided when under the care of medical professionals. Also, include any medical receipts or invoices received.

Submit Your Claim with Documentation Promptly

The insurance may have time limits on claims, so submit yours as soon as possible. Keep all receipts and documentation. Throw nothing away. 

What Are the Time Limits for Filing a Claim?

Your travel insurance will have a time limit for filing claims. The limits vary substantially. Most insurers stipulate a limit of between 20 and 90 days, though some may give you as much as a year to claim. 

How Long Does a Travel Insurance Claim Take?

Once you have submitted all the necessary documents, the insurance company should settle your claim in less than two weeks. Claims are generally paid by check or direct deposit. Failure to submit all the documents may cause claim settlement delays. 

What to Do if Your Travel Insurance Claim Gets Denied

You can appeal the insurance company’s decision to deny your claim, but you must follow the correct process. The company's website should provide information on how to submit an appeal. If you can’t find appeal instructions or have questions about the appeal process, contact customer service by phone or email. 

Check your travel insurance policy. Policies usually clearly state covered events. To succeed in an appeal, you must send more substantiating evidence.

What Happens After You File a Travel Insurance Claim?

Filing a claim is the first step toward receiving reimbursement. They may contact you if the insurance company needs more information or documents. Prevent delays by responding to requests for information as soon as you receive them.

Most travel insurance companies have online claims portals where you can track the status of your claim. Check from time to time to keep abreast of the process. The insurer may request information via the portal. 

Review the claim outcome on receipt and ensure it complies with the policy terms and conditions. Understand the reasons for denied claims and appeal if you have more supporting documentation. 

Compare the Best Travel Insurance Companies

If you’re looking for travel insurance, you should find an insurance company to fulfill your needs on the chart below. 

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

Travel with Confidence

Travel disruptions are unpleasant, but you can alleviate the financial burden if you know what to expect. Always keep detailed records and documented proof of expenses and reasons for the claim. Understand exactly what your travel insurance policy covers, and file your claim immediately. Ensure that all the required documents accompany your claim to prevent reimbursement delays. You can’t prevent the unexpected, but you can confidently travel when you insure your trip with the right travel insurance . 

Frequently Asked Questions 

Why get travel insurance.

Travel insurance protects you financially from unexpected events that could disrupt your travel arrangements. It is mandatory for Schengen visa travelers to Europe.

Is travel insurance refundable?

Most travel insurance companies will give you a “free look period” during which you can check your terms and conditions. This period lasts between 10 and 15 days, after which the travel insurance is not refundable.

Does travel insurance cover canceled flights?

Travel insurance does cover canceled flights, but it depends on the reason for the cancellation and the terms and conditions of your travel insurance policy.

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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

Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

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

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

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

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

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

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

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.