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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• 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.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

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

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• 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.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

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

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

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

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, fishing travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Fishing travel insurance

Going fishing is a favourite pastime for many people, and can be as relaxing or extreme as you choose to make it. Some types of fishing can be quite adventurous so you’re going to need adequate travel insurance .

Our travel insurance policies all come with automatic cover for  over 50 sports and activities  including insurance for surfing,  jet skiing  and even basic  scuba diving ! If you’re going fishing on holiday, you’ll be pleased to know that cover for all types of fishing, including deep sea fishing, is included at no extra charge. You’ll be covered for fishing while you’re away, even if you’re doing it for your entire trip.

Whether you’re new to fishing or experienced in fishing at sea, you can rest assured knowing that your travel insurance won’t be something to worry about. As always terms and conditions apply, so check the  policy wording  for full details of these and the other activities we cover.

Why do you need travel insurance for fishing?

While incredibly fun, fishing can carry hidden risks. Slipping on a wet surface or cutting yourself with a pocket knife could lead to an injury abroad, and you may need medical attention. It’s important to think about having a thorough travel insurance policy which will cover you in the event of an accident or injury. Rest assured, we’ll have you covered!

What is included with fishing insurance?

As fishing falls under all our policies as one of  50 amazing adventure sports and activities , you’ll be able to easily ride those waves knowing that you’re covered for:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

Will my fishing equipment be insured?

While fishing is automatically covered under all our policies, sports equipment can be expensive, so if you’re travelling with yours it’s important that it’s fully insured. All our policies include cover for valuables, including sports equipment, so make sure you choose the right level of cover for your needs. If your fishing equipment is particularly expensive, you can even add extended valuables cover to your policy, which covers up to £1,000 per item – see our  policy wordings  for more details.

Fishing safety tips

Don’t let an accident on the first day ruin the whole week; remember a few simple tips and ensure a great time fishing.

• Make sure to use a qualified and a recognised guide
• Always make sure equipment is fully functional
• Choose the right travel insurance policy for you,  get a quote online  or read our  policy documents  for more information on our travel insurance for fishing.

Please note: ‘Fishing travel insurance’ is a general term for cover included within our standard travel insurance. We don’t offer specialist insurance cover for this specific activity.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

• 1-800-205-FISH

Travel Insurance

And more text below if you need it...

• Protect Yourself.  Protect Your Trip.

Destination

Fishing travel insurance.

Don't leave home without Travel Insurance.

"I fish and hunt all over the world, which is why I always travel with my Global Rescue card. Many of the places I travel to are very remote. They are the only service that will evacuate me no matter where I am and bring me to my hospital of choice. I trust Global Rescue with my life and recommend that you do, too. Don’t leave home without them." -Guy Schoenborn, President Fishing with Larry We strongly recommend that our clients purchase: Global Rescue Evacuation Membership (especially if you are traveling to a remote location) and Trip Cancellation Insurance.

Global Rescue Evacuation Services

We recommend purchasing Global Rescue as unforeseen emergencies can occur. A Global Rescue membership will provide you with 24-hour advisory services, field rescue (evacuation from your point of injury/illness to the nearest appropriate medical facility), and evacuation to your home hospital of choice for continuing care, all at no cost to you. Memberships start at just $139.00. Learn More...   Global Rescue's phone number:   1-800-381-9754 . If you call them, tell them you were referred by Fishing with Larry .

Trip Insurance

Highly recommended.

We strongly recommend purchasing Travel Insurance. We recommend IMG Signature Travel Insurance. Plans can include coverage for Trip Cancellation, Trip Interruption, Emergency Medical and Emergency Evacuation/Repatriation, Trip Delay, Baggage Delay, and more. During post-Covid, flight delays and other issues continue to persist. As a result, many lodges can no longer roll over your dates for a future trip. For this reason, purchasing trip cancellation insurance is now more important than ever. Very Important:  If you purchase Signature Travel Insurance within 20 days of your initial deposit, it can cover pre-existing medical conditions as long as you are fit to travel at the time of purchase. While a Signature Travel Insurance policy can be purchased at any time, purchasing a policy within 20 days of making your initial trip deposit gives you the most comprehensive range of policy options, including Cancel for Any Reason.

Fishing Travel Experts

1-800-205-3474 ext. 1

Mt office:  406-322-5709.

Email:   [email protected]

1-800-205-3474 ext. 3

Cell (503) 250-0558.

Email:   [email protected]

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Fish Insurance| Blue Badge Company

Find Out more: Call 0333 331 3790* 

The Blue Badge Company is proud to have partnered with Fish Insurance , so we thought we would take a minute to tell you a little bit about them.

Fish Insurance is 40 years old this year and has been providing specialist, low cost cover to disabled people right across the UK since 1975! Today over 75,000 policyholders choose Fish for their disability and independent living insurance, making them one of the UK’s largest providers.

Every insurance policy has been specifically designed to meet the unique and specific requirements of those with pre-existing medical conditions, disabilities or mobility issues.  In designing their policies, they work closely not just with customers, but healthcare professionals, local authorities, mobility and healthcare equipment dealers, charities and insurers.

With a team of friendly, professional and specially trained staff - all based in the UK – on hand to assist, you’ll find Fish Insurance a quick, reliable and professional choice for your insurance needs.

If you’re a registered disabled driver or Blue Badge Holder, then a motor insurance policy from Fish Insurance offers significant discounts for you and also provides a range of benefits tailored to meet your needs.  

Right now , for a limited time only, you’ll also receive a FREE Blue Badge Wallet in a design EXCLUSIVE to Fish Insurance ! 

Why choose Fish Insurance?

• Up to 35% discount
• Breakdown cover including homestart included as standard
• Cover for the repair and replacement of adaptions to your car
• If your car is stolen any settlement will take into account modifications
• Protection for wheelchair or other mobility aids carried in your car
• Free courtesy car or up to £700 mobility allowance if a suitable car is not available.
• Car Insurance for Personal Assistants and Carers now available

Click here to find out more or call 0333 331 3790 * 

*Calls to 0333 numbers are usually chargeable at a local rate from both UK landlines and mobile phones. These calls are usually included within network providers’ “free minutes” packages.

If you have any pre-existing medical conditions or disabilities, then you may have found it difficult to find affordable travel insurance – or even get insured at all. Thankfully Fish now offers a travel insurance policy that is especially designed for you.

Offering great value worldwide travel insurance protection Fish’s policy will also has no upper age limit.

Who is this policy for?

• People diagnosed with medical conditions such as cardiac complaints (eg. heart disease, angina),  diabetes , hypertension (high blood pressure), epilepsy and various cancers .
• It’s particularly useful travel insurance for older travellers who might otherwise find it difficult to purchase cover.
• People requiring specific travel insurance benefits such as cover for wheelchairs, prescription medicines and replacement carers
• People with a wide range of physical and/or learning disabilities
• People who are registered disabled and/or have limited mobility
• People using prescribed medicines for both short and long term disabilities or ailments
• Disabled people travelling with carers
• Disabled travellers reliant upon disability equipment or mobility aid

Click here to find out more or call 0333 331 3790 * 

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FISHING INSURANCE

• Worldwide protection for fishing
• Cover for river and sea fishing
• UK's leading sports insurance provider

Buy your comprehensive Fishing Insurance online in minutes

10% OFF ONLINE*

Buy your Fishing Insurance online in minutes

Independent Service Rating based on 4696 verified reviews.

Our Fishing Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our Sports Travel Insurance will cover you whilst fishing abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for fishing, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect anglers whilst fishing in the UK, whether that be for leisure or competition. The policy provides a range of benefits including personal liability and income protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Fishing Insurance online

Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is Fishing Insurance?

Fishing Insurance provides angling enthusiasts with specialist cover for taking part in the sport within the UK and abroad.

If you are going abroad to fish, our Sports Travel Insurance policy will cover you should you become ill or have an accident, lose your luggage, suffer delays, and much more.

For anglers fishing within the British Isles and who require personal accident insurance, income protection or personal liability cover, our Sports Accident Insurance policy should be considered.

You can get a quick for either product via the “Get a Quote” button on this page.

How is Fishing Insurance different?

Despite fishing being generally considered as a safe sport that is enjoyed by people of all ages, there are certain risks associated with it.

Incidents such as minor burns from overhead electric power lines or drowning following a slip or fall have been reported, therefore insurance is always recommended for your fishing activities.

Frequently Asked Questions

Yes, our Fishing Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

Yes – we don’t consider a fishing or angling competition to be riskier than doing the activity as a leisure pursuit, so we don’t charge a higher premium for that.

You can purchase our Fishing Insurance online up until 74 years old. Above this age you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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• 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

How we rate the best international 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 US 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 overall: Allianz

• 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

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 here.

Best for exotic trips: World Nomads

• 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)

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 here.

Best for trip interruption: C&F Travel Insured

• 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.

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 here.

• 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

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 here.

Best for family coverage: Travelex Travel Insurance

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

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 here.

Best for long trips: Seven Corners

• 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

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 here.

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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The next time you travel, what will you become? Travel offers so much and the best way to embrace those experiences is when we travel with peace of mind. Watch this video to think about what will you become.

Allianz Global Assistance, a world leader in travel insurance and assistance services, offers many reasons to protect yourself and your family with travel insurance. They help travelers every year through unanticipated travel delays, bad weather, lost luggage and medical emergencies in foreign countries. None of us expect anything to happen to interrupt or cause an issue along the way but you will travel happier knowing you will have help just in case. Check out this story.

Trip Insurance During Covid-19

Worried about COVID-19 messing up your travel plans and costing you money? Your normal insurance may not cover it -  while they may cover illness and emergency evacuations, the coronavirus pandemic does not qualify criteria unless you yourself have been diagnosed with the virus. So what's the solution? Independent travel insurance.

Benefits of independent insurance:

• You can purchase a plan for any kind of trip
• Your plan covers many different aspects of your travel, from the flights and hotel stays to the prepaid, nonrefundable tours and excursions.
• There’s a wide array of policies available, from comprehensive coverage to plans that offer coverage for specific travel-related concerns.
• The coverage you'll receive is far more comprehensive than the protection included with your credit card.
• Comprehensive independent travel insurance typically covers up to ten travelers - so it is a great option for groups.
• Your Cruise Planners Travel Advisor can help you find and book the best travel insurance policy for you, so you don't have to deal with any of the stress!

Top 10 reasons why experienced travelers choose Travel Insurance from Allianz Global Assistance :

• Life is unpredictable. Some trips need to be canceled. With travel insurance, you don’t necessarily have to pay for a trip you are unable to take. Instead, enjoy more confidence knowing that you stay a step ahead of unpredictable situations before and during your trip.
• Don’t let sickness stop you. From coughs in the crowds to exotic eats that don’t agree with your stomach, sick happens. It’s less scary to be sick with travel insurance by your side to help you through these troubles.
• Your health insurance has its limits . When you travel outside the U.S., you may be leaving your health insurance at home. Many U.S. plans (including Medicare and Medicaid) don’t cover international travel. Why risk it when a medical evacuation can cost $50,000+?
• Forgot your medication? Lost or forgotten medication can set off an alarm when you’re far from home. Let travel insurance help you locate a pharmacy to purchase a new Rx. It’s always nerve-wracking when something goes wrong. But when you’re in a foreign country, you don’t want to face any kind of crisis alone.
• Lost luggage can leave you in a lurch. Allianz Global Assistance provides benefits that can help you replace needed items if your bags are delayed, damaged, or stolen while you’re away. With reimbursement for your trip essentials, you can still suit up for wherever your journey takes you next.
• The plan crumbles. If a travel supplier ceases operations, you may not get a refund for the money you fronted for a cruise, flight, or tour. Travel insurance is in place so you’re less likely to pay for an experience you’ll never have.
• You don’t want the credit (voucher). Airlines aren’t required to refund a ticket in the event of an emergency. In fact, your carrier can choose to offer a credit voucher toward future travel instead of cash in pocket. With travel insurance, you have more control over your Plan B.
• Speaking of change of plans... Flight delays can add up. Beyond being annoying, prolonged delays can cause you to accrue expenses while you wait, or worse, miss a connection. With travel insurance, a covered travel delay can mean cash for rebooking fees, meals, and accommodations.
• Your credit card may not cover you. Some travelers opt-out of travel insurance, thinking credit card coverage would suffice in a crunch. Truth is, even if you have this free coverage benefit, it won’t be as extensive as a separate travel insurance plan.
• Tap into smart travel tools. Allianz Global Assistance provides travelers with a simple-to-use tool that pairs perfectly with wanderlust. Download the TravelSmart™ app for free on the AppStore and GooglePlay to view your policy on the go, file a claim, track your flight in real-time, and get one-touch emergency assistance. All this and more is at your fingertips. Take a look. 

Request a Quote  Your Cruise Planners travel advisor will provide you with a brochure and comprehensive plan to ensure your trip.

Travel Protection Waiver If you decide to not purchase the recommended travel insurance, we request that you sign the  Travel Protection Waiver  to acknowledge your personal acceptance of the risks and liabilities that exist without proper coverage. 

Allianz Global Assistance USA Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Maryland Drive, Richmond, VA 23233 or [email protected]. 

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Visit El Golfo de Santa Clara on the Sea of Cortez

• Last Updated: April 13, 2023 by Roxanna Brock McDade
• Categories:
• Destinations , El Golfo de Santa Clara

El Golfo de Santa Clara, called El Golfo , is a small, peaceful fishing village located just 60 miles south of Yuma, Arizona. Expansive white beaches on the lovely Sea of Cortez host pelicans and many other shore birds. The area is also known for its miles of sand dunes.

One can camp anywhere along the beach. RV parks and hotels can be found along the beach, as well.

Some of the activities one can enjoy while in El Golfo include:

• Visiting shrimp farms.
• Exploring abandoned salt mines.
• Fishing in the protected Biosphere.
• Bird watching in the protected Biosphere.
• Scuba diving or snorkeling on massive reefs.
• Touring the extensive sand dunes.
• Guided fishing trips.
• Renting ATV's.
• Lounging in the sun and surf.

The beach stretches on for 30 miles or more south, one can drive or walk, watching the fishing boats ( pongas ). Beaches are virtually deserted—the perfect place for a Mexican holiday. Be sure to drive on the beach rather than the hard pack, which is deceptively difficult to maneuver.

Check the tide charts before you set up camp. The tides are crazy, fluctuating 20 feet or more. A camping spot could quickly be under water if one does not pay attention to the tides.

A 28-mile beach excursion from El Golfo to the 2nd light house is a nice day-trip. There are miles of trails with amazing views of the sea, mountains and desert around El Golfo.

One of the El Golfo websites describes the area as follows: If you like sand and sea, you will love El Golfo! El Golfo is one of the best-kept secrets in the Western Hemisphere.

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For over 30 years, Halper Insurance Services has been providing health, life, disability and related coverages to businesses, individuals and families. We have clients that range from companies with multi-state operations down to individuals and their families. Our goal is to help our clients obtain the policy that best fits their coverage needs and pricing objectives. Please don't hesitate to call us - (408) 866-4470 - for friendly personalized assistance. For information on a plan or for a price quote, please click on the link under "Instant Quotes". If you already know which plan you want, you can apply for coverage by using the "On-Line Enrollment" links to the right.

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Which carriers do we work with? Here's a partial list and links to their websites Aetna Anthem Blue Cross Blue Shield of California CalChoice Delta Dental Guardian Health Net Humana Kaiser Permanente MetLife Pacific Life Principal Financial Prudential Insurance UNUM The Standard United HealthCare VSP

When Do You Need Travel Insurance?

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

What travel insurance can cover

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

Natural disasters and severe weather

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

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

Health emergencies

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

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

High-cost trips

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

The "cancel for any reason" safety net

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

Long journeys and remote destinations

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

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

Other costs covered by travel insurance

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

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

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

When you should get travel insurance

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

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

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

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General election latest: Tories could be reduced to 66 seats next month, new poll suggests

Labour and the Conservatives are launching their campaign buses today, with Sir Keir Starmer and Rishi Sunak both giving speeches this morning. Meanwhile, a new poll suggests Labour could win the election by a landslide with a 302-seat majority.

Saturday 1 June 2024 10:04, UK

• General Election 2024

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Election news

• Labour and Tories to launch campaign buses
• Sunak pledges £20m to 30 towns across UK
• New poll suggests Tories will lose all but 66 seats
• Watch: Teen asks Sunak 'why do you hate young people?'
• Be in the audience for our election leaders event
• Live reporting by Faith Ridler

Expert analysis

• Beth Rigby: Starmer made an unforced error
• Paul Kelso: How do Labour and Tory energy pledges measure up?  

Election essentials

• Trackers: Who's leading polls? | Is PM keeping promises?
• Campaign Heritage: Memorable moments from elections gone by
• Follow Sky's politics podcasts: Electoral Dysfunction | Politics At Jack And Sam's
• Read more: Who is standing down? | Key seats to watch | How to register to vote | What counts as voter ID? | Check if your constituency is changing | Your essential guide to election lingo | Sky's election night plans

We've just been hearing from Sir Keir Starmer, who stopped to speak to reporters at the Labour Party "battle bus" launch in Uxbridge.

He was asked about the row around Diane Abbott, and his decision to confirm she is not barred from standing for the party - after first saying he wouldn't give a view.

"I dealt with that issue yesterday," Sir Keir says, before changing the subject.

"Today is about taking our argument to the country and getting people back to work.

"There are millions of people who aren't in work, who are on benefits, who desperately want the dignity and respect of being back to work."

Pressed again on the situation around Ms Abbott, Sir Keir says: "I dealt with this yesterday."

He was then asked more widely about a reluctance from black voters to back Labour after the Diane Abbott row.

He dodges the question, pointing again to change.

Sir Keir Starmer jokes that Angela Rayner should "check that Boris Johnson" isn't stowing away in the Labour "battle bus" as the party launched its tour.

Of Angela Rayner, he says: "All week she's been showing me photographs of her bus, and now I've come to see this fantastic bus."

He compares this to Tory defectors, saying you wait for one "for ages" and then "three come along all at once".

Sir Keir adds: "But this one I'm reliably told has got a fridge at the back of it, so check that Boris Johnson isn't in there - he used to be around these parts."

The joke is in reference to the former prime minister hiding in a fridge as he tried to avoid a TV interview with Good Morning Britain. 

The Labour leader then says again that the 4 July election "is about a choice".

"A choice before the country - a clear choice. More chaos and division with the Tories after 14 years of failure, more of the same - or change, hope, turn the page and re-build with Labour." 

He claims that the Tories are "praying on people's hopes" over levelling up, with "another unfunded commitment" around investing £20m in 30 towns.

"This election is all about change," Sir Keir says. "A changed Britain.

"It starts with the first steps." 

Sir Keir Starmer is in west London, where he is launching the Labour Party's "battle bus" - which will travel 5,000 miles throughout the election campaign.

The Labour leader is in Uxbridge, Boris Johnson's former constituency, joined by his deputy Angela Rayner and shadow chancellor Rachel Reeves.

First up is Ms Rayner, who will be on the "battle bus" for its journey. 

She says: "This election is about putting the UK first."

The deputy leader adds: "We've got to turn the page, we've got to have change in this country."

Ms Rayner says she has been "looking forward" to getting on the bus, and sending a message that "we are a changed Labour Party".

She hands over to the shadow chancellor, who says the UK is "crying out" for change. 

"I will never play fast and loose with the public finances in the way the Conservatives have done," she says, repeating the Labour line that "stability is change".

The Labour Party could win the upcoming election by a landslide with a 302-seat majority, a new poll has suggested.

The large-scale MRP polling, published by Electoral Calculus and Find Out Now , predicted that the Conservatives will be reduced to just 66 seats, compared to Labour with 476.

In this scenario, the Tories would return just seven more seats than the Liberal Democrats, who would have 59.

The poll also suggests that 18 cabinet ministers would lose their seats. They include: Oliver Dowden, James Cleverly, Grant Shapps, Penny Mordaunt, Kemi Badenoch, Claire Coutinho, Mel Stride, Gillian Keegan, Mark Harper, David Davies, Victoria Prentis, Esther McVey, Andrew Mitchell and Johnny Mercer.

All of these seats would be lost to Labour, the poll suggests.

The Multi-level Regression and Poststratification is a method of polling which Electoral Calculus claims has "successfully predicted the last two general elections".

The polling of 10,000 people was conducted between 20 and 27 May.

By Tom Cheshire , online campaign correspondent

"I smell a virgin…" Katie Hopkins said, looking straight at me. "I smell lefty, pressy scum!"

The far-right commentator was addressing an audience of 500 people in a soggy tent in a rural corner of North West England.

I was standing at the back but that didn't stop her singling me out. The crowd theatrically booed me, as if I was a pantomime villain. I blushed.

Officially called the Weekend Truth Festival (WTF), this was one of many strange moments I witnessed at the three-day event that some may call a conspiracy theory gathering.

As well as being called out by Hopkins, I saw children chanting anti-vax slogans and had a magnet applied to my arm to prove my COVID vaccinations are the antenna of a bioweapon.

This was the first WTF and its organisers hailed it as a success.

With the general election campaign officially under way, what better time to keep a close eye on the latest polling?

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

See the latest update below - and you can read more about the methodology behind the tracker  here .

Tim Farron, the former leader of the Liberal Democrats, has said his party will try to "return the people's game to the people".

The Liberal Democrats have set out a new manifesto pledge for 10 Premier League games a season to be available to watch on free-to-air TV.

Asked about this, Mr Farron said: "We know there are other issues at stake, but there is something to be said for trying to return the people's game to the people.

"It is now just over 30 years since pay-per-view has been dominating Premier League football on television."

The Liberal Democrat leader, Sir Ed Davey has accused the Conservatives of having "completely failed football fans".

He said: "From breaking their promise to create a football regulator, to allowing greedy broadcasters to hide Premier League football away from millions."

But why are the Lib Dems focusing on football?

Mr Farron says: "We're not saying this is the only thing we're going to do. 

"We think it's absolutely outrageous that we have cancer waiting times that means that two thirds of people in my constituency at times are waiting for more than a month to get that first treatment, a third waiting more than two months to get their first treatment. 

"People dying because of the lack of investment in GP's and cancer services and other parts of the health service. 

"We are absolutely for promoting the fact that we need to clean up our rivers and waterways we need to tackle the cost of living crisis."

By Paul Kelso , business correspondent

Launching his plans for Great British Energy, a state-owned clean power company, Sir Keir Starmer promised the new entity would reduce bills, create jobs and deliver increased energy security.

Specifically, Labour's press release for an idea first announced in October 2022 said: "Great British Energy will cut energy bills for good, as families face the threat of £900 annual energy price spikes under Tories."

That claim is based on analysis of fluctuations in the energy price cap set by Ofgem and the prospect of soaring energy prices, triggered by global events - specifically, the Russian invasion of Ukraine - being repeated.

Labour's analysis of the price cap calculates that in the two years since April 2022, consumers have paid around £1,880 - or around £900 a year - more than they would if prices had remained at pre-war levels. The government also spent £94bn on the energy price guarantee, further capping bills at £2,500 per household.

While the £900 figure is correct, and energy bills remain well above the long-term average, the likelihood of further spikes depends on your reading of world events.

Where Labour and the Conservatives agree is that the way to increase energy security and cut bills is to accelerate the transition to renewable and low carbon sources of power. Where they differ is how fast that should happen.

Read Paul's full analysis here: 

By Dr Hannah Bunting, Sky News elections analyst, and Joely Santa Cruz, data journalist

The prime minister has taken a defensive approach, signalling the Conservatives' worry about being so far behind in the polls.

Sir Keir Starmer's visits show the scale of their ambition and highlight Labour's awareness of the challenge they face. They need to gain 125 seats to win the smallest possible majority.

This campaign is being fought on new electoral boundaries, with many constituencies undergoing significant changes since 2019.

For the purposes of this analysis, we use notional results based on calculations by Colin Rallings and Michael Thrasher, honorary professors at the University of Exeter, which estimate the 2019 election seat results if they had taken place on the new constituency boundaries.

You can read more from Sky News below:

What are the rules on voter ID?  How does tactical voting work? In what different ways can you cast your ballot?

The countdown to the election is on - and already the amount of information can seem overwhelming. 

We cut through the noise to bring you what you need to know, from registering to vote, to election day and what happens next.

Read on here...

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