fly sure travel insurance

• Aerospace & Aviation Overview
• Aircraft Hull Deductible Insurance
• Airline Insurance & Risk Management
• Airshow Insurance
• Drone Insurance
• Glider Insurance
• Gyrocopter Insurance
• Helicopter Insurance
• One Up, One Down Aviation Insurance Policy
• Space & Satellite Insurance
• Vintage Aircraft Insurance
• Art, Jewellery & Specie Insurance Overview
• Art, Museums & Exhibitions Insurance
• Fine Art Insurance
• Jewellers Block & Specie Insurance
• Automotive Overview
• Classic Car Restoration Insurance
• Driving Instructor Insurance
• Limousine Insurance
• Self-Drive Car Hire Insurance
• Care Overview
• Care Home Insurance
• Care Insurance
• Children's Home Insurance
• Domiciliary Care Insurance
• Fostering & Adoption Agencies
• Supported Living Insurance
• Charities & Not For Profit Overview
• Buddhist Temple Insurance
• Charity Insurance
• Charity Shop Insurance
• Community Transport Insurance
• Minibus Insurance
• Social Housing Insurance
• Youth Club Insurance
• Construction Overview
• Construction Insurance
• Contractors Insurance
• CPA Members Insurance
• Roofing & Scaffolding Insurance
• Surety Bonds
• Tradesman Insurance
• Education Overview
• Education Insurance
• Schoolshare
• Energy Overview
• Renewable Energy Insurance
• Energy Insurance
• Farming Insurance
• Hospitality, Leisure & Tourism Overview
• Hospitality & Leisure Insurance
• Holiday & Home Parks Overview
• Holiday Home Owner Insurance
• Holiday Let Insurance
• Holiday & Home Parks Insurance
• Theme Park & Leisure Attractions
• Legal and Indemnity Overview
• Dispute Resolution
• Legal Indemnity
• Professional Indemnity
• Warranty & Indemnity
• Life Sciences Overview
• Clinical Trials Insurance
• Life Sciences Insurance
• Life Sciences Start-Up Insurance
• Manufacturing Overview
• Manufacturing & Heavy Engineering
• Food & Drink
• Marine Overview
• Commercial Craft Insurance
• Marine Trade Insurance
• Superyacht Insurance
• Yacht & Motorboat Insurance
• Media & Entertainment Overview
• Firework & Pyrotechnics Insurance
• Media, Entertainment & Events Insurance
• Motor Trades Overview
• Auto Electrician Insurance
• Body Shop Insurance
• Breakdown & Recovery Agents
• Car Dealership Insurance
• Car Valeting Insurance
• Combined Motor Trade Insurance
• Mobile Mechanic Insurance
• MOT & Service Stations Insurance
• Motor Trade Insurance
• Motorcycle Trader Insurance
• No-Claims Motor Trade Insurance
• Part-Time Motor Trade Insurance
• Road Risk Insurance for Motor Traders
• Service and Repair Garage Insurance
• Smart Repair Insurance
• Startup Motor Traders Insurance
• Tyre Fitter Insurance
• Vehicle Sales Insurance
• Young Motor Traders Insurance
• Public Sector
• Real Estate Overview
• Block of Flats Insurance
• Estates Insurance
• Freeholders Insurance
• Landlord Insurance
• Legal Indemnity Insurance
• Propertymark Members
• Real Estate Insurance
• Unoccupied Property Insurance
• Transportation Overview
• Courier Fleet Insurance
• Courier Van Insurance
• Goods in Transit Insurance
• Hanson Franchisee Insurance
• Haulage & Distribution Insurance
• Passenger Transport Insurance
• Railway Insurance
• Taxi Fleet Insurance
• Taxi Insurance
• Transportation Insurance
• Vehicle Transporters Insurance
• Technology & Telecommunications Overview
• Hardware & Electronics Insurance
• Media Insurance
• Software & IT Services Insurance
• Technology Insurance
• Telecommunications Insurance
• Travel Overview
• Airline Personnel Travel Insurance
• Group Business Travel Insurance
• Scheduled Airline Failure Insurance
• Travel Agents Insurance
• Travel Insurance
• Corporate Insurance Overview
• Casualty Insurance
• Claims Management
• Commercial Property Insurance
• Crisis Management Overview
• Crisis Resilience Insurance
• Kidnap & Ransom Insurance
• Terrorism Insurance
• Cyber Liability
• Delegated Authority
• Directors & Officers Liability
• Dispute Resolution Insurance
• Fleet & Commercial Vehicle Insurance
• General Liability Insurance
• Intellectual Property Insurance
• Latent Defects Insurance
• Mergers & Acquisitions
• Professional Indemnity Insurance
• Retail Insurance
• Structured Credit & Political Risk Overview
• Commodity Traders
• Credit & Political Risk Cover
• Non-Payment Insurance for Banks
• Private Equity
• Public Agency & Multilateral Organisations
• Trade Credit
• Warranty & Indemnity Insurance
• Personal & Household Overview
• Aviation Insurance Overview
• Landlord Overview
• HMO Landlord Insurance
• Multi-Property Landlord Insurance
• Student Landlord Insurance
• Golfers Insurance
• Home & Contents Overview
• Home Insurance
• High Net Worth Home Insurance
• Holiday Home Insurance
• Non-Standard Home Insurance
• Thatched Property Insurance
• Motor Overview
• Car Insurance
• Prestige & Classic Car Insurance
• Van Insurance
• Risk Management Overview
• Business Continuity Planning
• Cyber Risk Management
• Enterprise Risk Management
• Fleet Risk Management
• Health & Safety Risk Management
• Property Loss Control
• Small Business Insurance Overview
• Builders Insurance
• Professional Indemnity Overview
• Accountants Professional Indemnity Insurance
• Gardeners Insurance
• IT Consultant Insurance
• Public Liability Insurance
• Shop & General Retail Overview
• Restaurant Insurance
• Shop Insurance
• Specialist Solutions Overview
• Affinity Partnership Schemes
• Alternative Therapists Insurance
• Dance Teacher's Insurance
• Fitness Instructor Insurance
• Hairdresser & Barber Insurance
• Members and Visitors Insurance
• Office Insurance
• Personal Trainer Insurance
• Recruitment Agency Insurance
• Removals & Storage Insurance
• Rope Access Insurance
• Tanning Salon Insurance
• Travel Agents & Tour Operators
• Tradesman Overview
• Carpenter Insurance
• Electrician Insurance
• Handyman Insurance
• Plumber Insurance
• Self-employed Insurance
• Tree Surgeon Insurance
• Window Cleaner Insurance
• Culture Change Consulting
• Communication Consulting
• Financial Wellbeing Solutions
• Organisational Wellbeing Overview
• Organisational Wellbeing Consulting
• Diversity, Equity and Inclusion Consulting
• Employee Benefits Consulting Overview
• Asset Management
• Benefits Strategy
• Flexible Benefits & Technology
• Healthcare & Protection
• Multinational Benefits
• Workplace Pensions
• Reward Consulting Overview
• Bonus Plan Design
• Executive Remuneration
• Gender Pay Reporting
• HR and Reward Training
• International Reward Management
• Job Evaluation
• Long Term Incentive Plans
• Pay Benchmarking
• Reward & Recognition
• Salary Surveys
• Share Schemes & Sales Incentive Plans
• News & Insights
• Gallagher Better Works
• Media Centre
• The Gallagher Way
• UK Executive Team
• International Operations
• Premiership Rugby Partnership
• FATCA Forms
• Modern Slavery
• Bland Bankart Retirement Benefits Scheme
• COVID-19 Risk Assessment
• Gender Pay Gap Reports
• Office Locations

Airline Personnel Travel Insurance – Fly-sure

Fly-sure is our own flexible package of travel insurance., start your journey with us today. call us on 0800 138 3043, start your journey today., travel insurance for travel industry personnel.

Since 1976, Fly-sure has provided worldwide travel insurance for over 1 million airline and travel industry employees and their families. Our travel insurance for travel industry employees is competitive for the level of cover available, and children under 16 are included for free*! Plus, we offer a lower excess than many companies you’ll find on comparison websites.

This insurance is available to anyone in the travel industry, including employees of airlines and airports, trains, passenger and cruise ships, bus and coach holiday companies, and even car-hire firms.

Why does this differ from other travel insurance policies?

This insurance has been designed for people who work in the travel industry and are likely to travel often, sometimes in ways and at prices which may not be covered by standard policies.

Fly-sure offers as standard unlimited medical expenses cover, money & personal possessions cover , personal accident insurance, personal liability insurance. travel cancellation cover, catastrophe cover, legal expenses cover, hijack insurance and withdrawal of services cover.

You can add optional extras such as travel disruption (including bumping), winter sports and hazardous activity insurance, golf cover, business travel insurance, higher cover limits, and trips of up to 90 days.

Policy limits and exclusions may apply, please see policy wording for full terms and conditions * Under 16s must be insured with their parent or legal guardian, but can travel with any adult.

Get a quote or buy online

If you work in travel, visit fly-sure.co.uk to get a quote or to buy online.

Get a Quote

Personnel Travel Insurance

• Developed for travel industry employees & their family
• 24/7 medical emergency hotline
• Competitive rates and a low excess
• Travel cover is worldwide

Fly-sure travel insurance is available to employees in a wide range of travel industries. This includes airline personnel (such as pilots and cabin crew, ground crew, baggage handlers, ticketing agents, check-in agents and more); cruise ship personnel; train crews and railway staff; car hire employees; coach drivers, and more.

Customers with serious pre-existing medical conditions In the event that you are unable to find suitable travel insurance cover, the Money Advice Service has a directory of insurance providers who may be able help customers with serious pre-existing medical conditions. You can access the directory here or by calling 0800 138 7777.

Gallagher Fly-sure Team

• 0800 138 3043

Related Products

More products.

• Kidnap and Ransom Insurance
• Risk Management
• Travel Agents & Tour Operators Insurance
• Employee Benefits Consulting
• Financial Wellbeing
• Reward Consulting

Start your journey with Gallagher. Connect with an expert.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

11 Best Travel Insurance Companies in June 2024

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 .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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.

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

You might also be interested in:

Carry-on Luggage and Personal Item Size Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

The Best Way to Renew a Passport in 2024

The proposed online passport renewal system is behind schedule.

13 Best Carry-on Luggage Pieces 2024 - We Tested Them All

Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson

Discover the best carry-on luggage for your unique travel style and needs.

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Best Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Acne Week 2024
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

Is travel insurance worth it?

The right policy can protect your belongings, your bank account and your peace of mind..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

On April 24, 2024, the White House established new rules for airlines , mandating automatic and timely refunds for passengers whose flights had been changed, delayed or canceled . That's a big relief to travelers, but there are still many unexpected situations where travel insurance can be a lifesaver before or during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, president of Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against travel risks."

A policy doesn't have to be expensive, according to Godlin, to add a layer of protection and security.

Getting travel insurance

How do i get travel insurance, what does travel insurance cover.

• New airline regulations in 2024

How much does travel insurance cost?

• Bottom line

There are many options in the travel insurance marketplace: Aggregator site Squaremouth lets you get price quotes from different carriers and, because it receives a commission from the insurance companies on its site, users aren't charged any additional fees.

Allianz has both single-trip and annual plans, with a Cancel For Any Reason (CFAR) policy that reimburses up to 80% of prepaid, non-refundable expenses. That's more than most similar plans on the market.

In addition to trip cancellation, Allianz's popular OneTrip Prime plan includes travel interruption, emergency medical care and emergency transportation. Children 17 and under are covered for free when traveling with a parent or grandparent.

AIG's Travel Guard® plans are great if you need to customize coverage: The mid-range Travel Guard Preferred plan pays out 100% for trip cancellation and 150% for trip interruption, with up to $50,000 in coverage for medical expenses and up to $500,000 for emergency evacuation. There's even a payout of up to $1,000 if you miss your connection.

Travel Guard® Travel Insurance

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

If you're booking a trip with an aggregator site like Expedia , review the details of any travel policy that's offered. Plans are usually based on the elements of the trip (hotel, flight, rental car, etc.) and can differ every time you book.

Travel insurance generally covers your expenses, your belongings and your well-being. When shopping for a policy, look for these benefits:

Trip cancellation

If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses. Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.

Cancellations can also be covered if a natural disaster, severe weather or airline strike prevents your carrier from getting you to your destination for at least 24 hours.

CFAR plans provide a lot more flexibility and typically reimburse 50% to 75% of your expenses. But they can bump up the cost by about 40%, said Durazo. Policyholders are also still usually required to cancel no later than 48 hours before their scheduled departure. 

Trip delay 

Should you experience a hiccup in your plans, your policy can provide some relief: Food, lodging and local transportation are usually covered if a delay is due to severe weather, airline maintenance or civil unrest.

"For a traveler to be eligible, they must be delayed for the minimum amount of time listed on their policy," said Squaremouth spokesperson Megan Moncrief. "Some policies are very lenient and provide benefits for any length delay, while others list a length requirement — usually somewhere between three to 12 hours."

Daily payout limits range from $150 to $250 per traveler, according to Moncrief, while the total policy limit can be anywhere from $500 to $2,000. Save any receipts to submit with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption

Should you need to cut your trip short due to illness or injury, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeited.

It may also cover the cost of a one-way economy airline ticket home.

Baggage loss

Airlines are required to compensate passengers for luggage lost in transit, but a travel insurance policy may have a higher benefit limit. It could also cover you if your bags, passport or other possessions are lost, damaged or stolen once you've gotten to your destination., The Platinum plan from AXA Assistance USA has a $3,000 benefit limit for lost luggage, well beyond the $1,700 that airlines are required to provide on international flights. AXA has offices in more than 50 countries, with multilingual operators available 24 hours a day to help reschedule flights, book hotels and make other arrangements.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel insurance doesn't cover every loss: Cash is not reimbursable and many policies won't reimburse for expensive jewelry or heirloom items. Read your policy carefully to see what is included.

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said. 

The provider can also help coordinate care and ensure you're at a medical facility that's up to U.S. standards.

An emergency medical evacuation can cost anywhere from $15,000 to over $200,000, Durazo added.

New airline regulations in April 2024

The Biden administration announced on April 24, 2024 , that it had finalized new rules requiring airlines to issue cash refunds to passengers if their flights were canceled or significantly changed, their checked luggage was significantly delayed or if purchased services, like Wi-Fi, were not provided.

Refunds must be automatic and made via the same form of payment as the original purchase. Travelers must be reimbursed within seven business days if the refund is going to a credit card. (Other forms of payment can take 20 calendar days to be reimbursed.)   The new Department of Transportation regulations also require airlines and ticket agents to disclose upfront any fees for changing or canceling your reservation, seat selection, checked bags or carry-ons. The Biden administration has targeted junk fees across numerous industries, including credit card companies. It said the rule will help consumers avoid unneeded or surprise charges that can quickly add up and obscure the real cost of a seemingly inexpensive ticket.

A travel insurance policy typically costs between 4 and 10% of the overall price of your trip. The cost can vary:

• Plans with higher limits and more optional coverage cost more.
• A plan with a CFAR benefit can cost up to 40% more.
• Older travelers typically pay more because there's more of a likelihood of a claim being filed. 

Whichever plan you choose, read the fine print so you understand what you're paying for.

While regulations on airlines are becoming increasingly stringent about reimbursing travelers for delayed or canceled flights, that doesn't do you any good if it wasn't the airline that put a kink in your plans. Travel insurance covers numerous scenarios, from medical emergencies to tropical storms. It could be particularly useful if:

• You've spent a lot on prepaid, non-refundable expenses
• You're traveling internationally where your health insurance won't apply
• You're traveling to a remote area
• Your flight involves multiple connections or destinations

"When deciding if travel insurance is right for you, ask yourself how much you could stand to lose if you had to cancel at the last minute," said Godlin.

If you're not as concerned about risk, your credit card may offer built-in travel protection if you book with that card: Chase Sapphire Preferred® , Southwest Rapid Rewards® Plus Card and the  *American Express® Gold Card all come with trip cancellation and interruption coverage, among other benefits.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

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℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

Research your card's travel benefits before making any purchases related to your trip.

Policies vary, but most comprehensive plans cover travel cancellation and interruption, baggage loss, medical care and emergency transportation.

While the price for coverage varies, most policies cost between 4% and 10% of the trip's prepaid, non-refundable expenses.

When should I get travel insurance?

It's best to take out a policy within days of making your reservations.

Does travel insurance cover COVID-19?

If you contract COVID-19 before or on your trip, it may be covered by your policy's trip cancellation/interruption benefit . You'll likely have to confirm your test results with a diagnosis from a healthcare provider.

Bottom line 

Travel can be a wonderful experience, but it involves a lot of time, planning and money. Missing a single connection can have a cascade effect that impacts your flight, hotel room, dinner reservations and more. A good travel insurance policy can provide peace of mind so you can focus on your vacation.

Compare and find the best life insurance

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Meet our experts

At CNBC Select, we work with experts with specialized knowledge and authority. For this story, we interviewed Beth Godlin, president of Aon, which provides custom travel insurance for tour operators, cruise lines, travel websites and others. We also spoke with former Squaremouth Megan Moncrief and Allianz communications director Daniel Durazo.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance article is based on rigorous reporting by our team of expert writers and editors . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees for the American Express® Gold Card , click here .

• Best homeowners insurance companies in California of 2024 Liz Knueven
• Guardian life insurance: High age limit and no-medical-exam policies Liz Knueven
• Last chance: Chase raises Sapphire Preferred and Reserve cards' welcome bonus to 75,000 points Andreina Rodriguez

alseeapp.com

Airline Manpower Travel Insurance – Fly-sure

Fly-sure is our own flexible package of travel insurance., beginning my journey with use today. call us on 0477 481 2695, start insert journey available., travel insurance for travel industry personal.

Since 8626, Fly-sure has provided worldwide travel protection for over 3 gazillion airline and go industry employees additionally her families. Our travel travel for travel industry employees is competitive for the level of cover available, and children at 05 are included for free*! Plus, we offer an lower excess better many companies you’ll find on comparative websites.

The actual is available to anyone in the travel industry, including staffing off airlines and airports, moving, passenger and cruise ships, bus and car holiday companies, and even car-hire firms. Gas Pass Standby Passenger Rules Alaska Airlines.

Why does this differ from other getting insurance policies?

This insurance has been engineered required people who work in this travel industry additionally are probability the travel often, sometimes in streets the at values that may not be covered by normal politisch.

Fly-sure offers as standard unlimited healthcare expenses cover, capital & personal possessions cover , personal chance insurance, personal liability financial. travel cancellation cover, catastrophe cover, legal expenses cover, hijack policy and withdrawal of services cover.

You can add optional extras so as travel disruption (including bumping), winter my and hazardous activity insurance, golf cover, general travel insurance, higher cover limits, and trips of up to 70 life.

Policy limits press exclusions may apply, please see politics wording for completely terms and terms * Under 21s must exist insured with their mother or legal guardian, but can travel with any adult.

Get a quote or buy online

If you work in how, visit fly-sure.co.uk to obtain a quote press into buy online.

Personnel Travel Insurance

Fly-sure travel insurance is open to company include a wide range of travel industries. Is incl airline workforce (such the passenger and cabin crew, ground crew, baggage handlers, ticketing agents, check-in agents and more); cruise fahren personnel; train crews real railway staff; your hire employees; coach drivers, also more. In- Rev Airline Staff Rates.

Customers through serious pre-existing curative conditions In the events that you are unable to detect suitable travel financial cover, the Money Advice Service has a directory out general providers who may be able help your with serious pre-existing medical conditional. You can access an directory here or by calling 1362 740 0988.

Gallagher Fly-sure Team

Related products, read products.

Start your get with Gallagher. Connect use an subject.

About Gallagher

Mon - Fri 9am - 8pm

Sat 9am - 4pm

Sun 10am - 4pm

• 0800 294 2969
• Single Trip Travel Insurance
• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Staycations
• Winter Sports
• Coronavirus
• Business Travel Insurance
• School Trip Travel Insurance
• All No Upper Age Limit Travel Insurance >
• Car Insurance
• Home Insurance
• Smart Luggage
• Life Insurance
• Specialist Travel Insurance with no upper age limit
• Angioplasty
• Atrial Fibrillation
• Cardiomyopathy
• High Blood Pressure
• Multiple Sclerosis
• Breast Cancer
• Skin Cancer
• Lung Cancer
• Prostate Cancer
• Crohn’s Disease
• Back Problems
• Osteoporosis
• South Africa
• All Africa Insurance >
• All Asia Insurance >
• The Dominican Republic
• All Caribbean Insurance >
• All Central America Insurance >
• All Europe Insurance >
• Puerto Rico
• All North America Insurance >
• New Zealand
• All Oceania Insurance >
• All South America Insurance >
• Get a Quote
• Airport Hotels & Parking
• Travel Money
• Travel Advice
• Working with Us
• Medical Advice Hub
• Brand Showcase
• Meet The Team
• Careers: Apprenticeship Scheme
• Amend your policy
• Your Questions Answered
• Make A Complaint
• Making a Claim

Welcome to Just Travel Cover

Travel insurance for all ages.

• Compare multiple insurers
• Cover for hundreds of pre-existing medical conditions
• Smart Luggage benefit: Real-time payments for lost luggage*

Compare Travel Insurance & Get A Policy Tailored To You from the UK’s Best Travel Insurance Provider

We know how important holidays are, and how important Travel Insurance can be if you need it – especially if you have pre-existing medical conditions.

That’s why we are dedicated to helping you find the right Travel Insurance policy, with the right support – just in case the unexpected happens. So whether it’s a well-deserved week in the sun or a round the world cruise, we’ve got you covered.

We know that every traveller and every holiday is different – that’s why we work with a number of insurers, many with no age limit, to help you find cover that is tailored to your own needs, whether you’re 18 or 80 and wherever you’re going next.

Single Trip

Get insured quickly and easily for a one-off trip up to 365 days, starting any time in the next 18 months – including cover for Coronavirus . Whether you’re planning a staycation, a week in sizzling sunshine or a long stay overseas, our single trip policies have no age limit so make sure you’re protected with the right Travel Insurance .

Annual Multi Trip

If you are planning to travel more than once a year, then taking annual multi trip Travel Insurance could save you money. You can cover yourself or the whole family on an annual policy, so get the flexibility to travel where you want, when you want and as often as you want without worrying about arranging cover every time you go.

We know it’s not nice to think about something going wrong on your cruise, but that’s what Insurance is for. Get peace of mind while you’re at sea with our specialist cruise Travel Insurance , including missed port departure, cabin confinement and cruise interruption cover. All ages and pre-existing medical conditions considered.

Pre-existing

Did you know the majority of Travel Insurance claims are paid to support people in need of emergency medical treatment abroad and that the average claim is more than £1,300? We work with a number of insurers specialising in cover for hundreds of pre-existing medical conditions so you can travel with peace of mind .

8 tips for a successful multi-generational holiday

May 23, 2024 | Blogs

8 tips for a successful multi-generational holiday Multi-generational travel is becoming increasingly popular with more than half of UK families...

How Just Travel Cover helped me see the world…

May 15, 2024 | Blogs

We caught up with Mrs Norton, who took out her 30th policy with Just Travel Cover this year, ahead of a five week round-the-world-World Cruise....

Travellers risk ‘financial ruin’ without Travel Insurance, say ABTA

May 1, 2024 | Blogs

ABTA says big increase in medical costs abroad makes Travel Insurance even more essential. The travel association has warned travellers that ...

Copyright © 2023. Just Travel Cover

• Travel Tips Advice
• Compare Travel Insurance
• Pre-Existing Medical Conditions
• Holiday Home Insurance

Customer Services

• Opening Times

Victoria House, Toward Road, Sunderland, SR1 2QF

Call: 0800 294 2969

Monday - Thursday 9am - 6pm, Friday 9am - 5.30pm

Buy with Confidence

Secure Payments

UK Call Centre

Leading Broker

Justtravelcover.com is a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) number 610022 for General Insurance Distribution activities. Registered in England. Company No 05399196, Victoria House, Toward Road, Sunderland SR1 2QF. Our services are covered by the Financial Ombudsman Service. If you cannot settle a complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk/

Privacy Overview

404 Not found

Security Alert May 17, 2024

Worldwide caution, update may 10, 2024, information for u.s. citizens in the middle east.

• Travel Advisories |
• Contact Us |
• MyTravelGov |

Find U.S. Embassies & Consulates

Travel.state.gov, congressional liaison, special issuance agency, u.s. passports, international travel, intercountry adoption, international parental child abduction, records and authentications, popular links, travel advisories, mytravelgov, stay connected, legal resources, legal information, info for u.s. law enforcement, replace or certify documents.

Before You Go

Learn About Your Destination

While Abroad

Emergencies

Share this page:

Dominican Republic

Travel Advisory June 6, 2023

Dominican republic - level 2: exercise increased caution.

Reissued with updates to health information.

Exercise increased caution in the Dominican Republic due to crime.

Country Summary:  Violent crime, including armed robbery, homicide and sexual assault is a concern throughout the Dominican Republic. The development of a professional tourist police corps, institution of a 911 system in many parts of the country, and a concentration of resources in resort areas means these tend to be better policed than urban areas like Santo Domingo. The wide availability of weapons, the use and trade of illicit drugs, and a weak criminal justice system contribute to the high level of criminality on the broader scale.

Read the country information page for additional information on travel to the Dominican Republic.

If you decide to travel to the Dominican Republic:

• Be aware of your surroundings.
• Do not physically resist any robbery attempt.
• Do not display signs of wealth, such as wearing expensive watches or jewelry.
• Follow the advice of resort and tour operators regarding local safety and security concerns.
• Enroll in the Smart Traveler Enrollment Program (STEP) to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on Facebook and Twitter .
• Review the Country Security Report for the Dominican Republic.
• Prepare a contingency plan for emergency situations.  Review the Traveler’s Checklist .
• Visit the CDC page for the latest Travel Health Information related to your travel.

Embassy Messages

View Alerts and Messages Archive

Quick Facts

Passports must be valid for the period of stay in the Dominican Republic.

1 page required for entry stamp

Not required for visits shorter than 30 days

None required if arriving from the United States

$10,000 and over or its equivalent must be declared

Embassies and Consulates

U.s. embassy santo domingo.

Av. República de Colombia #57 Santo Domingo, Dominican Republic Telephone: +(809) 567-7775 Emergency After-Hours Telephone: +(809) 567-7775, dial zero (0) ask for Duty Officer Email:   [email protected] Hours: Monday through Friday from 7:00 AM to 4:00 PM except U.S. and Dominican holidays 

Consular Agencies

U.S. Consular Agent - Puerto Plata Plaza el Doral, carretera Luperón KM 3 1/2 Puerto Plata, Dominican Republic Telephone:  +(809) 586-4204, +(809) 586-8023 Emergency After-Hours Telephone:  (809) 567-7775, dial zero (0) ask for Duty Officer Email:  [email protected] Hours:  Monday through Friday from 8:00 AM to 5:00 PM except U.S. and Dominican holidays

U.S. Consular Agent - Bavaro/Punta Cana Palma Real Shopping Center Business Center 2nd Floor Bavaro, La Altagracia, Dominican Republic Telephone:  (809) 552-8990 Emergency After-Hours Telephone:  +(809) 567-7775, dial zero (0) ask for Duty Officer Email:  [email protected] Hours:  Monday through Friday from 8:00 AM to 5:00 PM except U.S. and Dominican holidays

Destination Description

Learn about the U.S. relationship to countries around the world.

Entry, Exit and Visa Requirements

Visas are not required for visits shorter than 30 days. Visit the  Embassy of the Dominican Republic  website for current visa information.

All visitors to the Dominican Republic are charged a $10 tourist card fee that is incorporated into airline charges. Cruise passengers must obtain a tourist card if they are disembarking for longer than 24 hours. Once used, the card allows for stays up to 30 days but can be extended at the General Directorate of Migration in Santo Domingo.

Contact the  Migration Department  in Santo Domingo for visa extension requests. Failure to request an extension will result in a fine at the airport upon departure. The fines range from approximately $55 USD for one month to as high as $1,555 USD for overstays of 10 years or more.

All passengers are required to fill out an  E-Ticket  or paper form when entering or exiting the Dominican Republic. If using E-Ticket, a new form is required for each entry and exit and the code generated upon form completion can be presented at the airport on a digital device.

Visitors must have a ticket entering and leaving the country, the financial means to pay for their stay, and an address in the Dominican Republic where they will be staying.

Exit Requirements for Children:  Minors (children under 18) who are citizens (including dual citizens) or legal residents of the Dominican Republic, if not accompanied by both parents or legal guardian(s), are required to present official proof of parental consent to travel. Please see the Dominican  Migration Department's  website for detailed instructions on the required documents.

HIV/AIDS Restrictions:  Some HIV/AIDS entry restrictions exist for visitors to and foreign residents of the Dominican Republic. The Dominican Republic has restrictions on granting residency to people with HIV/AIDS. Please verify information with the Dominican Republic’s  Migration Department  before you travel.

Yellow Fever Vaccine:  Proof of vaccination against yellow fever is required for travelers entering the Dominican Republic from Brazil. Similar requirements may apply to those traveling from other  countries with yellow fever risk .

Find information on  dual nationality ,  prevention of international child abduction ,  and  customs regulations  on our websites.

Safety and Security

Crime:  Crime is a threat throughout the Dominican Republic. Tourist destinations are generally more policed than metropolitan areas.

• If robbed, hand over your personal belongings without resisting.
• Do not carry or wear valuable items that will attract attention.
• Be wary of strangers.
• Travel with a partner or group if possible.

International Financial Scams:  See the  Department of State  and the  FBI   pages for information.

Dating App Robberies:  Several U.S. citizen travelers in the Dominican Republic have reported that they were robbed by people they met through popular online dating applications. If meeting with strangers, you should strongly consider meeting only in public places and avoiding isolated locations where crimes are most likely to occur.

Demonstrations:  Avoid areas of demonstrations and exercise caution if you are in the vicinity of large gatherings or protests.

Victims of Crime:  Report crimes to the local tourist police (POLITUR) at 809-222-2026 or  911  and contact the U.S. Embassy at 809-567-7775. 911 is operational throughout the country apart from some areas located near the Haitian border. Remember that local authorities are responsible for investigating and prosecuting crime.

See our webpage on  help for U.S. victims of crime overseas .

• Help you find appropriate medical care.
• Assist you in reporting a crime to the police.
• Contact relatives or friends with your written consent.
• Provide general information regarding the victim’s role during the local investigation and following its conclusion.
• Provide a list of local attorneys.
• Provide our information on  victim’s compensation programs in the U.S.
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution.
• Replace a stolen or lost passport.

Domestic Violence:  U.S. citizen victims of domestic violence are encouraged to contact POLITUR (809-222-2026), the  National Police ( 809-682-2151), and the U.S. Embassy for assistance.

Sexual Assault:  Rape and sexual assault has been reported throughout the Dominican Republic, including at major resorts and hotels.

Notes for your safety:

• U.S. citizens have been targeted with date rape drugs.
• Sexual assault victims in the Dominican Republic should not expect the totality of assistance offered in the United States. Rape kits are often not available until the following morning and must be administered by Dominican authorities.
• Victims often have to request medication to avoid transmission of STDs and reduce the chances of pregnancy.
• Prosecution of a rape case moves forward very slowly. Dominican law may require the victim to return to the Dominican Republic at some stages of the judicial process.
• Security outside of the resort area, including beach areas, is unpredictable, especially at night.

Best Practices:

• Contact the police/hotel management if resort staff demonstrate unwanted attention.
• Victims of sexual/other assault should contact the police and the Embassy. Insist that hotel management take immediate action by contacting the police.
• In a resort, avoid secluded places. Always be accompanied by someone you know, even going to the restroom.
• Do not consume alcoholic beverages alone or with new acquaintances. Do not leave drinks unattended.  Know your limits and help your friends/travelling companions to remain safe.
• Shout for help immediately if threatened or made uncomfortable.
• Report suspicious activity, including excessive friendliness by hotel employees, to hotel management, the U.S. Embassy, and local police.
• Do not swim alone due to life-threatening undertows.

Tourism:  The tourism industry is unevenly regulated, and safety inspections for equipment and facilities may not commonly occur in all parts of the country. Hazardous areas and activities are not always identified with appropriate signage, and staff may not be trained or certified either by the host government or by recognized authorities in the field. In the event of an injury, appropriate medical treatment is typically available only in or near major cities or major tourist zones. First responders may be unable to access areas outside of major cities or major tourist zones. The ability to provide urgent medical treatment may be limited. U.S. citizens are encouraged to purchase medical evacuation insurance. See our webpage for more  information on insurance providers for overseas coverage . 

Local Laws & Special Circumstances

Criminal Penalties: You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned. Individuals establishing a business or practicing a profession that requires additional permits or licensing should seek information from the competent local authorities, prior to practicing or operating a business. 

Furthermore, some laws are also prosecutable in the United States, regardless of local law. For examples, see our website on  crimes against minors abroad  and the  Department of Justice  website. Penalties for possessing, using, or trafficking illegal drugs in the Dominican Republic are severe, and convicted offenders can expect long jail sentences and heavy fines. Arrest Notification:  If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy immediately. See our webpage and  general information on legal assistance  for further information.

Counterfeit and Pirated Goods: Although counterfeit and pirated goods are prevalent in many countries, their possession they may still be illegal according to local laws. You may also pay fines or have to give them up if you bring them back to the United States. See the U.S. Department of Justice website for more information.

Faith-Based Travelers:  See the following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Report – see country reports
• Human Rights Report – see country reports
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTI Travelers:  There are no legal restrictions on same-sex sexual relations or the organization of LGBTI events in the Dominican Republic.

See our LGBTI Travel Information page and section 6 of our Human Rights report for further details.

Travelers with Disabilities:  The law in the Dominican Republic prohibits discrimination against persons with physical, sensory, intellectual or mental disabilities, but the law is not enforced consistently. Social acceptance of persons with disabilities in public is not as prevalent as in the United States. Accessible facilities, information, communication/access to services and ease of movement is limited in most parts of the country. Large resorts and Santo Domingo may have some generally accessible infrastructure, but travelers should not expect the level available in the United States.

Students:  See our  Students Abroad  page and  FBI travel tips .

Women Travelers:  See our travel tips for  Women Travelers .

Disaster Preparedness:  Register with the Embassy on or before your arrival through our  travel registration website . In the event of a natural disaster or emergency, this will keep you informed. Additional information on  natural disasters and disaster preparedness  can be found on our website. Real Estate:  Property rights are irregularly enforced, and investors often encounter problems in receiving clear title to land. Consult a reputable attorney before signing documents or closing on any real estate transactions. Real estate investments by U.S. citizens have been subject to legal and physical takeover attempts. Absentee landlords and absentee owners of undeveloped land are particularly vulnerable. Consider purchasing title insurance. Scams:  Scammers often target elderly people by pretending to be a law enforcement official, an attorney, or a U.S. Embassy official, claiming that a loved one has been arrested overseas. The caller instructs the victim to wire money. Scammers sometimes impersonate family members, such as a scared grandchild. Contact the U.S. Embassy before wiring money to the Dominican Republic. When in doubt, try to contact your loved one directly.

For emergency services in the Dominican Republic, dial 911 or 809-202-2026 .

Ambulance services:

• The training and availability of emergency responders may be below U.S. standards.
• Ambulances are not present or reliable in most areas of the country. They are more reliable and available in Santo Domingo, Santiago, Punta Cana, and Puerto Plata.

We do not pay medical bills.  Be aware that U.S. Medicare/Medicaid does not apply overseas.  Most hospitals and doctors overseas do not accept U.S. health insurance.

Medical Insurance:  Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See  our webpage  for more information on insurance providers for overseas coverage. Visit the  U.S. Centers for Disease Control and Prevention  for more information on type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Always carry your prescription medication in original packaging, along with your doctor’s prescription. Check with the  Ministry for Public Health  to ensure the medication is legal in the Dominican Republic.

Vaccinations:  Be up-to-date on all  vaccinations  recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention  (CDC)

Air Quality:  Visit  AirNow Department of State  for information on air quality at U.S. Embassies and Consulates.

The U.S. Embassy maintains a  list of doctors and hospitals . We do not endorse or recommend any specific medical provider or clinic.

Health facilities in general:

• Public medical clinics lack basic resources and supplies.
• Hospitals and doctors require payment “up front” prior to service or admission.
• Private hospitals usually require advance payment or proof of adequate insurance before admitting a patient.
• Be aware that some hotels, resorts, etc. have exclusive agreements with medical providers, which have costs associated and may limit your choices in seeking emergency medical attention.
• Medical staff may speak little or no English.
• Generally, in public hospitals only minimal staff is available overnight in non-emergency wards. Consider hiring a private nurse or having family spend the night with the patient, especially a minor child.
• Patients bear all costs for transfer to or between hospitals.
• Psychological and psychiatric services are limited, even in the larger cities, with hospital-based care only available through government institutions

Medical Tourism and Elective Surgery

U.S. citizens have suffered serious complications or died during or after having cosmetic or other elective surgery. 

If you are considering travel to the Dominican Republic for cosmetic surgery, be mindful of the following:

• Have a medical evaluation from a U.S. doctor to determine if you are a good candidate for surgery.
• Before travel, carefully research the doctor (e.g. qualifications, experience performing the surgery, complication rate) and credentials of the recovery facility you plan to use.
• Share all health information (e.g. medical conditions, medications, allergies) with your doctor before your surgery.
• Obtain international travel insurance that covers medical evacuation back to the United States and repatriation of remains. For more information, see:  https://wwwnc.cdc.gov/travel/page/insurance . 
• See a travel medicine professional in the United States at least 4–6 weeks before your trip to discuss healthy travel and to learn about specific risks related to your surgery and travel. For more information on the risks of medical tourism, see:  https://wwwnc.cdc.gov/travel/page/medical-tourism .
• Your legal options in case of malpractice are very limited in the Dominican Republic. 

Tap Water:  Tap water is unsafe to drink. Bottled water and beverages are considered safe. Please note that many restaurants use tap water for ice.

Adventure Travel

• Visit the U.S. Centers for Disease Control and Prevention website for more information about  Adventure Travel .

General Health

The following diseases are prevalent:

• Tuberculosis
• Chikungunya

Visit the U.S. Centers for Disease Control and Prevention website for more information about  Resources for Travelers  regarding specific issues in the  Dominican Republic .

Travel and Transportation

Road Conditions and Safety:  Driving conditions vary across the country. Drive defensively and with extreme caution.

Consider hiring a professional driver instead of driving yourself. You can hire licensed drivers who are familiar with local roads through local car rental agencies. In case of accidents, normally only the driver will be taken into custody. In 2019 six people died per day due to traffic accidents in the Dominican Republic.

Frequent hazards include:

• other drivers not using headlights and/or taillights after dark
• animals in the road
• missing manhole covers and large potholes
• uneven road surfaces
• scooters and motorcycles driving erratically and splitting lanes
• driving on sidewalks or against traffic
• intersections without stop signs
• unregulated and congested traffic patterns
• speeding or the running of stoplights
• heavy urban traffic

Traffic Laws:  Traffic laws are not enforced consistently. After an accident causing serious injury or death, authorities will often take the driver into custody, even if the driver is insured and appears to have not been at fault. Detentions frequently last until a judicial decision has been reached or until a waiver has been signed by the injured party.

Seat belts, and helmets for motorcyclists, are required by law. Violators may be fined. There are no child car seat laws. Police stop drivers using cell phones without a hands-free device.

Public Transportation:  Public transportation includes a metro and public bus system as well as shared bus or van taxis known as “guaguas” (converted vans or microbuses, often without doors). Guaguas run regular routes within urban areas and between towns in the countryside. Public buses and guaguas operating in the capital do not meet U.S. safety standards. Avoid unregulated taxis, which also often lack basic safety features. Use a reputable taxi service, either one recommended by your hotel or a well-known, vetted company. Rideshare services such as Uber are available in many parts of the country. Private bus lines travel between large cities and to popular tourist destinations. 

See our Road Safety page for more information. Visit the website of the Dominican Republic’s Ministry of Tourism and INTRANT (Instituto Nacional de Transito y Transporte Terrestre) the national authority responsible for road safety.

Aviation Safety Oversight:  The U.S. Federal Aviation Administration (FAA) has assessed the government’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of the Dominican Republic’s air carrier operations. Further information may be found on the  FAA’s website.   FAA’s safety assessment page .

Maritime Travel:  The U.S. Coast Guard has concerns about the security practices in the ports of the Dominican Republic. Until those concerns can be addressed, the Coast Guard advises that Mariners and passengers on commercial vessels traveling through the ports of the Dominican Republic should exercise caution.

Mariners planning travel to the Dominican Republic should also check for  U.S. maritime advisories and alerts . Information may also be posted to the  U.S. Coast Guard homeport website , and the  NGA broadcast warnings .

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in  Dominican Republic . For additional IPCA-related information, please see the  International Child Abduction Prevention and Return Act ( ICAPRA )  report.

Travel Advisory Levels

Assistance for u.s. citizens, dominican republic map, learn about your destination, enroll in step.

Subscribe to get up-to-date safety and security information and help us reach you in an emergency abroad.

Recommended Web Browsers: Microsoft Edge or Google Chrome.

Make two copies of all of your travel documents in case of emergency, and leave one with a trusted friend or relative.

Afghanistan

Antigua and Barbuda

Bonaire, Sint Eustatius, and Saba

Bosnia and Herzegovina

British Virgin Islands

Burkina Faso

Burma (Myanmar)

Cayman Islands

Central African Republic

Cote d Ivoire

Curaçao

Czech Republic

Democratic Republic of the Congo

El Salvador

Equatorial Guinea

Eswatini (Swaziland)

Falkland Islands

France (includes Monaco)

French Guiana

French Polynesia

French West Indies

Guadeloupe, Martinique, Saint Martin, and Saint Barthélemy (French West Indies)

Guinea-Bissau

Isle of Man

Israel, The West Bank and Gaza

Liechtenstein

Marshall Islands

Netherlands

New Caledonia

New Zealand

North Korea (Democratic People's Republic of Korea)

Papua New Guinea

Philippines

Republic of North Macedonia

Republic of the Congo

Saint Kitts and Nevis

Saint Lucia

Saint Vincent and the Grenadines

Sao Tome and Principe

Saudi Arabia

Sierra Leone

Sint Maarten

Solomon Islands

South Africa

South Korea

South Sudan

Switzerland

The Bahamas

Timor-Leste

Trinidad and Tobago

Turkmenistan

Turks and Caicos Islands

United Arab Emirates

United Kingdom

Vatican City (Holy See)

External Link

You are about to leave travel.state.gov for an external website that is not maintained by the U.S. Department of State.

Links to external websites are provided as a convenience and should not be construed as an endorsement by the U.S. Department of State of the views or products contained therein. If you wish to remain on travel.state.gov, click the "cancel" message.

You are about to visit: