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Is Viking Travel Insurance Worth It? Exploring the Pros and Cons

By Happy Sharer

Introduction

When it comes to planning a vacation, one of the most important decisions you have to make is whether or not to purchase travel insurance. While there are many companies that offer travel insurance, Viking Travel Insurance is one of the most popular options. But is Viking Travel Insurance worth it? In this article, we’ll explore the pros and cons of Viking Travel Insurance to help you decide whether it’s the right choice for you.

Comparing Viking Travel Insurance to Other Providers

The first step in determining whether Viking Travel Insurance is worth it is to compare it to other providers. When it comes to coverage, Viking offers a wide range of plans, including trip cancellation and interruption, medical and evacuation, baggage and personal effects, and more. Each plan has different levels of coverage, so you can choose the one that best suits your needs.

When it comes to price points, Viking Travel Insurance is competitively priced compared to other providers. They offer a variety of packages, so you can find one that fits your budget. Additionally, Viking offers discounts and special deals from time to time, which can help you save even more money.

Finally, when it comes to benefits and services, Viking Travel Insurance provides 24/7 assistance, access to a global network of doctors and hospitals, and a variety of other perks. All of these features make Viking an attractive option for travelers.

Exploring the Benefits of Viking Travel Insurance

Once you’ve compared Viking Travel Insurance to other providers, it’s time to explore the benefits it offers. First, it’s important to understand the coverage limits of each policy. Viking offers a variety of coverage options, so you can choose the one that best meets your needs. Additionally, Viking offers additional benefits such as rental car coverage, flight delay coverage, and more. These extra benefits can help protect you in case of unexpected circumstances.

Viking also offers other perks for travelers, such as pre-trip assistance and post-trip follow-up. Pre-trip assistance includes help with booking flights, hotels, and activities, while post-trip follow-up includes assistance with filing claims and resolving disputes. These services can be invaluable if something goes wrong during your trip.

Analyzing Price Points for Viking Travel Insurance

Now that you’ve explored the benefits of Viking Travel Insurance, it’s time to analyze the price points. As mentioned earlier, Viking Travel Insurance is competitively priced compared to other providers. They offer a variety of packages, so you can find one that fits your budget. Additionally, Viking offers discounts and special deals from time to time, so you can save even more money.

When it comes to package options, Viking offers a variety of plans ranging from basic to comprehensive. Depending on the plan you choose, you may be able to get additional coverage such as medical and evacuation, rental car coverage, and more. The cost of each package varies depending on your destination and the length of your trip, so it’s important to compare different packages to find the one that best meets your needs.

Examining Customer Reviews and Testimonials

In addition to analyzing price points, it’s also important to examine customer reviews and testimonials. Viking Travel Insurance has a variety of online reviews and ratings, so you can get an idea of what other travelers think of their services. Reading through these reviews can give you valuable insight into whether Viking Travel Insurance is worth it.

Additionally, Viking also has a variety of customer testimonials. Reading through these testimonials can give you an idea of how satisfied customers were with their experience. This can be a great way to get an unbiased opinion about whether Viking Travel Insurance is worth it.

Interviewing Travelers Who Use Viking Travel Insurance

Finally, it’s important to get an in-depth look at Viking Travel Insurance by interviewing travelers who actually use it. Talking to people who have used Viking Travel Insurance can give you an inside look at the pros and cons of the service. You can ask them questions about their experience, such as how easy it was to file a claim, the customer service they received, and any other insights they can provide.

By talking to real travelers who use Viking Travel Insurance, you can get a better understanding of whether the service is worth it. This can be especially helpful if you’re still unsure after reading customer reviews and examining price points.

In conclusion, Viking Travel Insurance is a popular option for travelers looking for coverage. By comparing types of coverage, benefits, services, price points, customer reviews, and testimonials, and interviewing travelers who use it, you can get a better understanding of whether Viking Travel Insurance is worth it. Ultimately, the decision is up to you, but Viking Travel Insurance is definitely worth considering.

In summary, Viking Travel Insurance is a popular option for travelers due to its competitive rates, wide range of coverage options, and additional benefits. Although it’s important to read customer reviews and examine price points, talking to real travelers who use Viking Travel Insurance can give you a better understanding of whether it’s worth it. Ultimately, the decision is yours, but Viking Travel Insurance is definitely worth considering.

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Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. I have a passion for learning and enjoy explaining complex concepts in a simple way.

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Bad experience

Cancelled our trip extension ONE day before our cruise. $2200 for the extension, only getting a $250 on board credit!!! Paris yo the Swiss Alps river cruise. The only reason I picked this cruise was for the extension in SW. Booking number 7390630. There is no customer service.

Date of experience : June 26, 2024

Viking Rheine River Cruise problm

Viking cruise personnel put us in a grave danger during Rheine river cruise that we were on. We (3 elderly senior citizens of ages up to 83 years old, some of whom had a history of heart attacks and/or strokes) got stranded in Speyer, Germany during a daily excursion. The guide lady gave us free time toward the end and told the group (35E) to meet her at the right hand side of the cathedral at 10:45am to get back to the ship, which is the exact same instruction provided the night before by the program manager Andy. We were having coffee at a cafe and when we were heading back to the cathedral before 10:35am, the guide lady was still sitting in a cafe next door, so we thought we must have plenty of time to get back. We leisurely walked back to the appointed location and got there by 10:45 am, but we could not find anybody who came with our group. So I went back to the cafe to find the guide lady where she was having coffee, but I could not find her. We searched all over but still could not find the guide lady, nor the group. We then realized that they had left without us and that we got stranded. Some of us almost had a heart attack when we realized what had happened to us. It took a while for us to calm down and decided to go to the local police station for help. With the help of the police who helped us finding the docking location of the ship in Worms, we hired a taxi to Worms, Germany, which was supposed to be the next destination of the ship. When we got there, we could not find the ship and drove all along the shore of the river but could not find ship anywhere. After making several frantic calls, we were finally able to connect with the captain of the ship, Victoras Dobre, who our taxi driver were able to communicate in German to get the current status of the ship's journey and the time and the exact location of the next port in Rudesheim. The taxi driver was kind enough to take us to the port in Rudesheim, which was about 100 km away from Worms. But when we got there, we could not find the location of the port that the captain Victoras had told the taxi driver, because the address and instruction provided by him was too vague and not accurate according to the driver. The driver ended up driving us back and force 2-3 times along the river and by talking to several local people, he finally found the general location of the Viking port and dropped us there and then took off. But the correct location happened to be the opposite side of the river and a couple miles away. We ended up taking a ferryboat to get across and walked a couple miles to finally get to the ship, which seemed to have arrived about 45 minutes earlier than the time the captain had told us. I still don't understand why they had to hurry up and had to leave so quickly without us, just to arrive 45 minutes earlier than scheduled. When I complained to the captain and Andy, they were both busy in making excuses of their own. Andy said we had not tagged the exit button when we left the ship in the morning and that he had no way of knowing that we were in the 35E group, which is difficult to believe because one of us had conversation with him as we were exiting the ship. However, based on what he said, it became obvious that they switched the guide from the lady to Andy at the last minute without letting us know. The captain said he had given proper instruction to the taxi driver but it cannot not be true, because the driver had written down the exact instruction on a piece of paper and he loudly repeated twice to make sure he got it right, which we all heard clearly. Overall, this was a nightmare for us, but instead of trying to take positive steps to take care of us and to ensure that this kind of problems do not occur in the future, as I had recommended, both of them were too busy to find excuses to blame someone else. This was contrary to what the captain had proudly announced the night before that safety of the passengers is the utmost important responsibility of his. Had he taken the safety of the passengers seriously, why did he have to leave in a hurry without waiting for us for a few more minutes? And why did he have to change the guide to Andy at the last minute without letting us know? I am very disappointed with both of them and told them that I have lost confidence in Viking's ability to provide safe trip to the end as they had promised.

Date of experience : July 01, 2024

If you work there

If you work there , and you got sick, they take off their masks and the throw you in the lake or ocean like garbage. Nothing else. One star is too much for their “managers” . Absolutely unprofessionals and rude to the staff.

Date of experience : March 14, 2024

Viking vouchers have undisclosed testrictions

Viking will do every sneaky thing they can to steal your money. I purchased 2 $200 vouchers while on a Viking cruise that they stated had no restrictions or limitations. I recently applied them to a future river which I had to cancel well within the cancellation period without penalty. They kept my $50 deposit but also kept the vouchers so they could not be applied to a future booking. This is completely dishonest and unethical. Avoid this tour operator at all costs.

Date of experience : April 23, 2024

My husband and I are both 73 years old

My husband and I are both 73 years old, retired, on fixed income, and have been saving for a trip down the Danube for five years. Our troubles began in Minneapolis when our flight was delayed two hours, then finally eight hours, pushing it to the middle of the night of the next day. We contacted Viking Customer Service and were told they could do nothing for us, had no other flights that would get us to the boat before it sailed. I asked the Viking CS rep if he’d checked all the other airlines (because Amsterdam is a European hub), and he said nothing was available for the next two days. I didn’t believe him. I believe he only wanted to honor Viking’s contract with Delta. The best he could do was get us to Amsterdam the next day, and then we would have to find our own accommodations (lodging, transportation, airlines) to try and find the ship, which would be in Vienna by then. I proceeded to go from the Delta Customer Service (which was of no help whatsoever after waiting in line for more than 20 minutes) and to several Delta flight stations that offered a flight to Amsterdam in the terminal in the next eight hours. By this time, I had put seven miles on my FitBit and was exhausted. I was told all the flights were full and some were “overbooked” through the entire next day. I worried that I’d never find two seats on a flight then from Amsterdam to Vienna. That’s poor planning on Delta’s part, and poor planning on Viking’s part for not having contingencies and backup plans for these kinds of situations. After spending all our savings to book the trip, we did not have the financial resources to try and get to Amsterdam on our own with other airlines and risk the cost of lodging and transportation to try and find the boat in a country that does not speak primarily English, especially since we learned how hard it was to get a flight to Amsterdam. We did not want to travel all day and night to miss half of our cruise. We’d rather be stuck in the U.S. (Minneapolis) and go back home, than get lost somewhere in Europe. Thank goodness we purchased travel insurance. Don't want to travel with Viking again.

Date of experience : June 01, 2024

NOT CUSTOMER FRIENDLY

Had a Iceland Cruise in June 2026. I needed to cancel due to personal reasons. I contacted Viking and explained my particutar situation. I was giving Viking over a 2 year notice so the cabin can be resold. Viking denied my request for a refund of the "BIG" $50 Deposit. There are always exceptions to the rules that Viking could have made in my case. NOT CUSTOMER FRIENDLY.

Date of experience : April 10, 2024

We gave Viking $8999.00 toward a future…

We gave Viking $8999.00 toward a future cruise. Due to illness we were unable to book a cruise. When we requested to use that deposit for another cruise and or return the money, they denied the request. Dealing with Miller Rubio was a lesson in duplicity and deceit.I would strongly encourage Ocean travelers to find a more honorable company.

Date of experience : April 04, 2024

Booked a cruise with Viking (which was…

Booked a cruise with Viking (which was listed as requiring $25 down to book). Shortly thereafter, Viking wanted full payment for a cruise 1 year in the future. Therefore, Viking is holding full payment and collecting interest on the funds. This appears to be a new money making mechanism by Viking using their client's money to increase their cash flow.

Date of experience : August 01, 2023

We have just returned from a wonderful ocean cruise

We have just returned from a wonderful cruise on Viking Sea from Athens to Venice. Unfortunately the airline lost our luggage for five days which was far from ideal but Viking staff provided us with toiletries and also laundered our clothes each evening returning them early next morning. Our cabin stewards, Angel and Rhuel went beyond the call of duty to help us out with a few other missing item. The food was very good, the cleanliness was excellent and most importantly, the Staff were lovely. We mainly did the included excursions and the guides were very knowledgeable and interesting. All transfers were well organised and there were representatives at the foreign airports guiding us to check in and sorting out our luggage transfer so we only had our hand luggage to carry. All in all we were very happy people and have already booked our next ocean cruise with them.

Date of experience : September 01, 2023

All about the $$$

I understand when you book a cruise and you don't sign up for their insurance you take the risk of losing your money. However, with Viking I think they take it to a whole other level. My son's wife suffered a serious heart condition and was hospitalized. She is now unable to go on the cruise they had booked with Viking. Because it was within 30 days of the departure they had to forfeit all of the money they paid for the cruise - close to $14,000 dollars. This we understood, however, even though the trip was paid for, they would not allowed someone else take her place. To add insult to injury, he then decided he to go by himself since I was going to be on the cruise so he could be with me. This is the part I don't understand - to travel without his wife he has to pay an additional $2500 on top of the $14,000! I get the single rate is higher but he has already paid well above the single rate and more. We've had to make changes with other cruise lines and they have been much more accommodating when issues arise. We had planned another family trip for the eight of us next year but never again on Viking.

Date of experience : April 29, 2024

Viking Venus without most amenities.

Viking Venus : cruise round Med and on to Israel. This was a wonderful itinerary , a beautiful ship , excellent food and service. In fact, everything we have come to expect from Viking except…there were apparently a few cases of a GI infection . As a consequence all water amenities, main pool, infinity pool, jacuzzi and spa were closed for the whole of the cruise! As compensation we have been offered a derisory £200 voucher towards a future cruise. An insult! We will not be booking with Viking again.

Date of experience : November 25, 2022

Viking Corporate vs Viking Ship's Crew

This review is about Viking Corporate - NOT the Viking Vidar staff. Corporate lies - plain and simple. Trying to get specifics on a cruise itinerary was like pulling teeth. And, other than one Customer Rep - Patricia T - the Customer Reps will either tell you there's no way to find out an answer, or they will just tell you something to get rid of you. So what if what they told you made you make a certain choice of an included or optional tour, and THEN, WHILE ON THE CRUISE, you find out it was a LIE! Because of Viking Corporate, I will never go on another Viking cruise - which is sad because the Ship's Crew will do whatever it takes to make this the best vacation of your life

Date of experience : July 17, 2023

Boring. Definitely for old people 65 and up!

Date of experience : June 08, 2024

Multiple airline delays and flight…

Multiple airline delays and flight cancellations resulted in my wife and I missing the first three days of the cruise and no realistic plan to meet up with the boat later, so requested a return flight to US ,which we got. After arriving home, we filed for reimbursement from Trip Mate. Payment was denied because we had used vouchers from covid cancelled cruises to pay for current cruise. $7,000 out the window. Never again Viking!

Date of experience : May 28, 2023

Fantastic experience, highly recommended

Fantastic experience, just returned from a cruise with Viking and was blown away by the quality of food, excursions and especially the staff who go above and beyond to ensure you have an amazing time, the ship was outstanding too. Thank you Viking! I have some wonderful memories that will stay with me and my mother forever.

Date of experience : October 03, 2021

Viking air agents are awful

I am writing this review before the cruise. I hope I can return and review this with a higher rating. So far it has been a cluster $&@“. Air management team has been a nightmare. They had my traveling companion on a different flight to Amsterdam. Not good. 3.5 hrs on the phone to get it straightened out and of course more $$ out of pocket. I finally just said I will get myself to Atlanta you get me to Amsterdam and back to Atlanta. So one leg of my prepaid trip is paid by me a second time. No ONE travel consultant assigned to us so absolutely no consistency. Lack of communication has also been a big problem. This is to be the Cream de la cream, cruise travel company. I am not seeing it. Hope it changes with the cruise, but they have a lot of work to do in the front end to be given a top rating.

Date of experience : March 08, 2024

Privacy violation

Sent brochure without consent. I sent an email to be removed from the mailing list, but when attempting to call as a backup measure, I was notified that the privacy line was for employees and not for customers. The company is intentionally avoiding ways to respect consumer privacy. I will never be a customer of this cruise line.

Date of experience : February 03, 2024

Viking Victim Unit

It's been three years now that Viking has held my family's money hostage because we don't wish to take the jab. Viking changed their policy after they took all our money, lured us into taking now worthless vouchers. They refuse to accept the fact that they changed the terms of the contract. Most all other cruise lines have dropped this mandate. The US gov has basically declared the "plandemic" over and all other mandates have been drop but Viking still won't change their policy. If you happen to be in the same position there is a group forming to file a class action law suit against Viking. #VikingVictims

Date of experience : February 01, 2023

Just received an email from Viking…

Just received an email from Viking informing us that half of the Xmas markets we were suppose to visit will not be open. They marketed the cruise as a Xmas market cruise which is why we booked it. We get the email 3 days prior to our trip and they knew from the beginning the markets would not open until early December. A clear case of bait and switch and will cause us to never cruise with them again.

Date of experience : November 21, 2023

I'm with Robin (see below)

I'm with Robin (see below). We are cancelling our river cruise due to viking's heavy handed covid vaccine requirement. Also lost out on the cruise vouchers. NEVER BUY A VIKING CRUISE VOUCHER We will be sailing with a different cruise line and will not be back to Viking. Viking has lost four loyal customers with 10 past cruises between us.

Date of experience : February 18, 2023

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Plan with Confidence

The Travel Protection Plan, offered by Viking and administered by Trip Mate, a Generali Global Assistance & Insurance Services brand, provides additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip.

Trip Interruption or Cancellation

If your trip is interrupted or cancelled due to a covered emergency, weather issue, or other unforeseeable event, you may be reimbursed.

Accident or Sickness & Medical Repatriation

Emergency medical or dental expenses during your trip may be covered, including costs of circumstances that may arise from any illness, including COVID-19. Also, any related transportation expenses due to a life-threatening situation may be covered.

Baggage & Personal Items

Baggage or personal items—such as passports or visas—that are lost, damaged or stolen during your trip are covered up to the plan limits. Additionally, you may be reimbursed for incurred expenses should your baggage be delayed for 24 hours or more during your trip.

Cancel For Any Reason

If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers.

Protect Your Investment Now

To purchase this plan, obtain a quote, or for any other questions, please call Viking at 1-877-668-4546.

The Travel Protection Plan Details

For your convenience, Viking offers a Travel Protection Plan administered by Trip Mate, a Generali Global Assistance & Insurance Services brand. This may help protect your travel investment, your belongings and most importantly, you, from many unforeseen circumstances that may arise before or during your trip, including costs of circumstances that may arise from any illness (including COVID-19*). The Travel Protection Plan includes a non-insurance Cancel For Any Reason Waiver (provided by Viking), Travel Insurance Benefits (underwritten by Generali- U.S. Branch) and Assistance Services (provided by Generali Global Assistance). Payments are for the full Travel Protection Plan, which is made up of the Part A Non-Insurance Cancel For Any Reason Waiver, and Part B Insurance Benefits, and Assistance Services (a separate fee for Assistance Services is included in the Plan Payment). Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at [email protected] .  Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. Plan benefits, limits and provisions vary by state/jurisdiction and not all coverage is available in all states. To review full plan details online and Important Disclosures, go to:  www.tripmate.com/wpGR625V .

*COVID-19 is treated the same as any other sickness. The plan requires a sickness to be “examined and treated by a physician”. We consider all PCR or laboratory tests to have been administered by a physician.

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Is Viking Travel Insurance Worth It?

Yes, viking travel insurance is worth it as it offers comprehensive coverage at a reasonable price. With a range of benefits and options to suit different needs, viking travel insurance provides peace of mind for any travel adventure.

Whether you are planning a relaxing beach vacation or an adventurous trip, viking travel insurance ensures you are protected against unexpected mishaps like trip cancellations, lost luggage, or medical emergencies, giving you the flexibility and confidence to enjoy your travel experience worry-free.

Furthermore, their excellent customer service and quick claims process make viking travel insurance a trusted choice for travelers. Safe travels await with viking travel insurance.

Table of Contents

Unexpected Expenses And Emergencies

Viking travel insurance offers protection against unexpected expenses and emergencies, providing peace of mind while traveling. With comprehensive coverage options and prompt customer service, it is a valuable investment for travelers.

Traveling can be an incredible experience, filled with adventures and unforgettable memories. However, there are always risks involved, and unexpected expenses can arise when you least expect them. That’s why having viking travel insurance can provide you with peace of mind and financial protection, ensuring that you’re prepared for any unforeseen circumstances that may occur during your trip.

In this section, we will explore the various ways that viking travel insurance can cover you in case of medical emergencies abroad, trip cancellations and interruptions, as well as lost baggage and belongings.

Medical Emergencies Abroad

When you’re traveling in a foreign country, dealing with a medical emergency can be stressful and overwhelming. Viking travel insurance offers comprehensive coverage for medical expenses, ensuring that you receive the necessary healthcare without incurring significant costs. Here’s what viking travel insurance includes for medical emergencies abroad:

• Medical consultation and treatment: Whether it’s a minor illness or a major injury, viking travel insurance covers the costs of medical consultations and treatments, including hospital stays, surgeries, and medications.
• Emergency medical evacuation: In critical situations where local medical facilities are unable to provide the necessary care, viking travel insurance arranges and covers the expenses for emergency medical evacuations to the nearest appropriate medical facility.
• Repatriation of mortal remains: In the unfortunate event of a traveler’s death during the trip, viking travel insurance takes care of the arrangements and costs associated with transporting the mortal remains back to their home country.

Trip Cancellations And Interruptions

Sometimes, unforeseen circumstances can force you to cancel or cut short your trip. This can result in significant financial losses, especially if non-refundable bookings have been made. Viking travel insurance offers coverage for trip cancellations and interruptions, providing financial protection in the following situations:

• Trip cancellation: If you need to cancel your trip due to sudden illness, injury, or other covered reasons specified in the policy, viking travel insurance reimburses you for the non-refundable expenses, such as flights, accommodations, and tours.
• Trip interruption: In case an unexpected event forces you to interrupt your trip and return home earlier than planned, viking travel insurance compensates you for the unused portion of your trip expenses, ensuring that you don’t bear the full financial burden of cutting your trip short.

Lost Baggage And Belongings

Losing your baggage or personal belongings while traveling can be both frustrating and inconvenient. Viking travel insurance provides coverage for lost baggage and belongings, offering the following benefits:

• Baggage loss or delay: If your baggage is lost, damaged, or delayed by the airline or transportation provider, viking travel insurance reimburses you for the expenses incurred in replacing essential items, such as clothing and toiletries.
• Theft of personal belongings: In case your personal belongings are stolen during your trip, viking travel insurance covers the cost of replacing the stolen items, such as electronics, jewelry, and important documents.

Having viking travel insurance ensures that unexpected expenses and emergencies don’t have to ruin your travel experience. With coverage for medical emergencies, trip cancellations and interruptions, as well as lost baggage and belongings, you can travel with peace of mind, knowing that you’re protected financially.

So, before embarking on your next adventure, consider the worth of viking travel insurance and make an informed decision to safeguard your trip.

Understanding Viking Travel Insurance

Viking travel insurance offers comprehensive coverage for your travel needs. With its wide range of benefits and competitive prices, it is definitely worth considering for your next trip. Safeguard yourself and travel with peace of mind.

Viking travel insurance offers comprehensive coverage options and plans that cater to the specific needs of travelers. Whether you’re embarking on a short weekend getaway or a long-term international adventure, viking travel insurance has you covered. Here’s a breakdown of what you need to know:

Coverage Options And Plans:

• Trip cancellation and interruption coverage: Provides reimbursement for non-refundable expenses if your trip is canceled or cut short due to covered reasons such as illness, injury, or severe weather conditions.
• Emergency medical coverage: Covers medical expenses incurred while traveling abroad, including doctor visits, hospital stays, and emergency evacuation.
• Baggage loss and delay coverage: Protects you against the loss, theft, or damage of your luggage, as well as reimbursement for essential items if your baggage is delayed.
• Trip delay coverage: Reimburses you for additional expenses incurred due to a covered trip delay, such as accommodation, meals, and transportation.
• Accidental death and dismemberment coverage: Provides financial protection to your loved ones in the event of accidental death or permanent loss of limbs or sight during your trip.

Exclusions And Limitations:

• Pre-existing medical conditions: Coverage for pre-existing medical conditions may be subject to exclusions or limitations, depending on the policy. Make sure to review the terms and conditions carefully.
• High-risk activities: Some adventurous activities, such as extreme sports or participation in professional competitions, may not be covered by the standard policy. Extra coverage might be needed for these activities.
• Age restrictions: Certain coverage options may have age restrictions, so it’s important to check the policy details to ensure eligibility.
• Specific destination limitations: Depending on your destination , coverage for certain risks, such as political instability or natural disasters, may be subject to limitations. Make sure to be aware of these limitations before your trip.

Benefits And Advantages Over Competitors:

• Extensive coverage: Viking travel insurance offers a wide range of coverage options and plans to suit different travel requirements, providing travelers with peace of mind.
• 24/7 assistance: In case of emergencies, viking travel insurance provides round-the-clock support and assistance, ensuring you receive the help you need wherever you are in the world.
• Competitive pricing: Viking travel insurance strives to offer affordable rates without compromising on the quality and extent of coverage, making it a cost-effective choice for travelers.
• Convenient online claims process: Viking travel insurance offers a hassle-free online claims process, ensuring quick and streamlined reimbursement for covered expenses.
• Reputation and reliability: With a reputation for trustworthiness and reliability, viking travel insurance has been serving travelers for years, building a strong foundation of customer satisfaction.

Viking travel insurance provides travelers with comprehensive coverage options, competitive pricing, and exceptional customer service. Understanding the coverage options and plans, as well as the exclusions and limitations, is crucial to making an informed decision for your travel insurance needs.

By choosing viking travel insurance, you can embark on your adventures with confidence, knowing that you have the necessary protection and support.

Key Benefits Of Viking Travel Insurance

Discover the key benefits of viking travel insurance, providing peace of mind and protection for your next adventure. With comprehensive coverage for medical emergencies, trip cancellation, and lost baggage, viking travel insurance ensures that your travel investment is worth every penny.

Viking travel insurance offers a range of key benefits that provide peace of mind and protection during your travels. From extensive medical coverage to 24/7 emergency assistance and trip cancellation/interruption protection, viking travel insurance has you covered. Here are the key benefits in detail:

Extensive Medical Coverage:

• Comprehensive medical coverage ensures that you are prepared for unforeseen medical expenses during your trip.
• Coverage for emergency medical and dental treatment alleviates the financial burden if you require urgent medical care.
• Medical evacuation coverage ensures that you can be transported to the nearest adequate medical facility in the event of a medical emergency, even if it requires repatriation.

24/7 Emergency Assistance:

• Enjoy round-the-clock access to a dedicated team of experts who are ready to assist you during any emergency.
• From providing guidance and support in case of lost or stolen travel documents to offering advice on medical emergencies, the 24/7 emergency assistance team is there to help you every step of the way.

Trip Cancellation And Interruption Protection:

• Unexpected events can disrupt your travel plans, but with viking travel insurance, you have the peace of mind knowing that you’re protected.
• Trip cancellation coverage reimburses you for non-refundable expenses if you’re unable to travel due to covered reasons, such as illness or unforeseen circumstances.
• Trip interruption coverage provides compensation for unused prepaid expenses and additional costs incurred if your trip is interrupted or cut short due to covered reasons.

With viking travel insurance, you can explore the world with confidence, knowing that you’re protected in case of unforeseen circumstances. Whether it’s comprehensive medical coverage, 24/7 emergency assistance, or trip cancellation/interruption protection, viking travel insurance is worth considering for a worry-free travel experience.

Comparing Costs And Coverage

Viking travel insurance offers comprehensive coverage at competitive prices. With various policies to choose from, it’s a worthwhile option to ensure peace of mind during your trips.

Viking travel insurance claims to offer extensive coverage for travelers, but is it really worth the cost? In this section, we will compare the premiums of viking travel insurance to potential expenses and evaluate its value for money compared to other providers.

Premiums Vs Potential Expenses

When considering travel insurance , understanding the balance between premiums and potential expenses is crucial. Here are some key points to consider:

• Viking travel insurance offers competitive premiums that vary based on factors such as trip duration, destination, age, and level of coverage.
• Premiums may also differ depending on the type of plan you choose, such as single trip or annual coverage.
• Viking travel insurance provides flexibility with their pricing options, allowing you to customize your coverage based on your specific needs.
• Potential expenses:
• Viking travel insurance provides coverage for a wide range of potential expenses, including trip cancellation or interruption, emergency medical expenses, baggage loss or delay, and other unforeseen circumstances.
• Depending on your destination and the level of coverage you select, potential expenses can vary significantly. It’s essential to review the policy details to ensure it aligns with your travel needs.

Value For Money Compared To Other Providers

Comparing viking travel insurance to other providers in terms of value for money requires a comprehensive analysis. Here are some key considerations:

• Coverage options:
• Viking travel insurance offers a range of coverage options that cater to different travel needs. From basic coverage to more comprehensive plans, they strive to meet various requirements.
• It’s important to evaluate the level of coverage provided by viking travel insurance in comparison to other providers and determine if it aligns with the value you expect.
• Customer reviews:
• Reading customer reviews can provide insights into the value for money provided by viking travel insurance.
• Look for testimonials and experiences from travelers who have made claims or utilized their coverage to gauge the overall satisfaction and effectiveness of the insurance provider.

When evaluating viking travel insurance, it’s essential to carefully consider the premiums in relation to potential expenses and compare its value for money to other insurance providers in the market.

Customer Satisfaction And Testimonials

Customer satisfaction is crucial when considering whether viking travel insurance is worth it. Testimonials from satisfied customers can provide valuable insights into the effectiveness and reliability of the insurance coverage offered.

Are you considering purchasing viking travel insurance but uncertain if it’s worth the investment? Look no further! In this section, we will explore the customer satisfaction and testimonials surrounding viking travel insurance. Discover the positive experiences and feedback from customers, as well as the reliable customer support and claims processing offered by viking insurance.

Rest assured, this comprehensive analysis will help you make an informed decision.

Positive Experiences And Feedback:

• Customers have praised viking travel insurance for its comprehensive coverage and peace of mind it provides during their trips.
• Many travelers shared their positive experiences with viking insurance, highlighting the prompt and efficient claim settlement process.
• The insurance claims were processed smoothly, saving customers from the hassle of dealing with complicated paperwork.
• Viking insurance has received numerous testimonials regarding its excellent customer service, with representatives going above and beyond to assist policyholders.
• The policyholders appreciate the transparency of viking insurance, where there are no hidden fees or surprises during the claiming process.
• Customers have expressed their satisfaction with the ease of purchasing viking travel insurance online, thanks to its user-friendly interface.

Reliable Customer Support And Claims Processing:

• Viking insurance prides itself on providing exceptional customer support, ensuring that travelers receive the assistance they need promptly.
• Policyholders have shared instances where the customer support team guided them through the claims process step by step, making it a hassle-free experience.
• Viking insurance stands out for its quick response time and willingness to help travelers facing unexpected situations during their trips.
• The claims process is streamlined, with policyholders receiving guidance on the necessary documentation to submit for a successful claim.
• Viking’s customer support team is available 24/7, providing reassurance and guidance whenever travelers encounter difficulties or require information.

Viking travel insurance has garnered positive reviews from customers who appreciate the comprehensive coverage, efficient claims processing, and reliable customer support. With viking insurance, you can embark on your trip with peace of mind, knowing that you’ll receive the necessary assistance and protection should any uncertainties arise.

Peace Of Mind And Risk Mitigation

Viking travel insurance offers peace of mind and risk mitigation, ensuring you can travel worry-free. With comprehensive coverage, it’s worth investing in for added security during your trips.

Your travel plans might be exciting and adventurous, but unexpected events can disrupt your journey and leave you in a state of distress. Viking travel insurance offers the peace of mind you need, providing protection against unforeseen circumstances and safeguarding your investment in travel.

With comprehensive coverage options tailored to meet your specific needs, viking insurance ensures that you can embark on your trip with confidence. Let’s explore how this insurance can offer you peace of mind and mitigate potential risks.

Protection Against Unforeseen Circumstances

Life is unpredictable, and even the most well-planned trips can face unexpected challenges. Viking travel insurance acts as a safety net, offering coverage in various situations that may affect your travel plans. Here are some ways in which viking insurance protects you:

• Trip cancellation or interruption coverage: Provides reimbursement for non-refundable trip expenses if you need to cancel or cut short your trip due to covered reasons such as illness, injury, or other unforeseen events.
• Emergency medical expenses: Offers coverage for medical expenses incurred while traveling due to accidents or sudden illnesses.
• Baggage and personal belongings: Provides compensation for lost, stolen, or damaged baggage and personal items during your trip.
• Travel delay: Reimburses additional expenses incurred due to travel delays caused by reasons beyond your control, such as severe weather conditions or mechanical breakdown of common carriers.
• Emergency evacuation: Covers the cost of emergency medical transportation to the nearest adequate medical facility in case of serious illness or injury during your trip.

Safeguarding Your Investment In Travel

Investing in a trip involves significant financial commitments, and viking travel insurance ensures that your investment is protected. Here’s how viking insurance safeguards your travel investment:

• Trip cancellation coverage: If you need to cancel your trip due to unforeseen events covered by the policy, viking insurance reimburses you for the non-refundable expenses you incurred.
• Trip interruption coverage: In case your trip gets interrupted due to covered reasons, viking insurance reimburses you for the unused portion of your trip and any additional expenses incurred to return home or rejoin your travel group.
• Travel delay coverage: If your trip gets delayed due to covered reasons, viking insurance reimburses you for additional accommodation and transportation expenses, ensuring you’re not left financially burdened.
• Baggage and personal belongings coverage: If your baggage or personal items are lost, stolen, or damaged during your trip, viking insurance provides compensation, giving you peace of mind and protecting your investment.

Viking travel insurance offers substantial benefits that go beyond mere financial protection. It also provides peace of mind by safeguarding your investment in travel and mitigating risks associated with unforeseen circumstances. By choosing viking insurance, you can embark on your journey with confidence, knowing that you’re covered in case of any unexpected events.

Additional Perks And Services

Discover the added benefits and services offered by viking travel insurance, providing peace of mind and comprehensive coverage for your travel needs. Is this insurance worth it? Dive into the perks and find out.

When it comes to travel insurance, viking insurance goes the extra mile to provide additional perks and services that enhance your travel experience. From coverage for adventure and extreme sports to rental car damage waivers and reimbursement for trip delays and missed connections, viking insurance offers a comprehensive range of benefits for their policyholders.

Let’s delve into these additional perks and services in more detail:

Coverage For Adventure And Extreme Sports

• Skiing, snowboarding, and other winter sports: Viking insurance covers the cost of medical treatment and emergency evacuation if you sustain an injury while participating in winter sports.
• Scuba diving and snorkeling: If you’re an avid diver or snorkeler, viking insurance provides coverage for any emergency medical expenses resulting from accidents or decompression sickness.
• Hiking and mountain climbing: Whether you’re trekking in the himalayas or scaling mount kilimanjaro, viking insurance offers protection for accidents, injuries, and emergency medical evacuation during your hiking or mountain climbing expeditions.
• Bungee jumping, skydiving, and other extreme activities: If you’re an adventure seeker looking to engage in adrenaline-pumping activities, viking insurance has you covered with coverage for injuries and medical expenses incurred during extreme sports.

Viking insurance understands that travel is not only about relaxation but also thrilling experiences. With their coverage for adventure and extreme sports, you can travel with peace of mind, knowing that you are protected during your adrenaline-fueled escapades.

Rental Car Damage Waivers

When renting a car during your travels, the last thing you want to worry about is potential damages. Viking insurance offers rental car damage waivers that protect you from hefty repair costs. If your rental car is damaged due to an accident or vandalism, viking insurance will cover the expenses, allowing you to explore your destination without any apprehension.

Reimbursement For Trip Delays And Missed Connections

Travel delays and missed connections can put a damper on your trip. Luckily, viking insurance provides reimbursement for such unforeseen circumstances. If your flight is delayed for a specified period, viking insurance will compensate you for the additional expenses incurred, such as meals and accommodation.

Furthermore, if you miss a connecting flight due to a delay, viking insurance will cover the costs associated with rebooking.

With viking insurance, you can say goodbye to the stress and financial burden of trip delays and missed connections, as they strive to ensure that your travel plans are as smooth and worry-free as possible.

Viking insurance offers a host of additional perks and services that make their travel insurance worth considering. From coverage for adventure and extreme sports to rental car damage waivers and reimbursement for trip delays and missed connections, they prioritize the well-being and convenience of their customers.

So, if you’re planning your next adventure, it’s worth exploring the benefits viking insurance has to offer.

A Hassle-Free Claims Process

Wondering if viking travel insurance is worth it? Rest assured, their hassle-free claims process ensures a seamless experience, giving you peace of mind during your travels. Say goodbye to unnecessary stress and hello to worry-free adventures.

When it comes to travel insurance, one of the most critical factors to consider is the claims process. After all, what good is having insurance if it’s a hassle to make a claim and get reimbursed for your expenses? Thankfully, viking travel insurance offers a hassle-free claims process that ensures you can focus on enjoying your trip rather than dealing with paperwork and delays.

Efficient And Straightforward Procedure

Viking travel insurance understands that time is of the essence when it comes to making a claim. That’s why they’ve streamlined their claims process to be efficient and straightforward, ensuring that you can get the assistance you need as quickly as possible.

Here’s a closer look at how it works:

• Online claim submission: With viking travel insurance, you can submit your claim online, eliminating the need for lengthy paper forms. Simply fill out the necessary details, attach any required documentation, and click submit. It’s as easy as that.
• Dedicated claims team: Once your claim is submitted, viking travel insurance has a dedicated claims team that will handle your case promptly and efficiently. They have the expertise and experience to assess your claim accurately and provide you with a resolution in a timely manner.
• Transparent process: Viking travel insurance believes in transparency throughout the claims process. You can easily track the status of your claim online, ensuring that you’re always in the loop and aware of any updates or additional information required.

Timely Payouts And Reimbursements

Nobody wants to wait indefinitely to receive their insurance payout or reimbursement. Viking travel insurance understands this and strives to provide timely payouts and reimbursements to their customers. Here’s what you can expect:

• Fast processing times: Viking travel insurance aims to process claims within a reasonable timeframe, minimizing any delays in receiving your payment or reimbursement. Their efficient workflow and dedicated claims team work together to ensure that you get your money back as quickly as possible.
• Direct deposit options: To avoid further delays, viking travel insurance offers direct deposit options for your payout or reimbursement. This means that once your claim is approved, the funds can be deposited directly into your bank account, saving you the hassle of waiting for a check to arrive in the mail.
• Clear communication: Throughout the claims process, viking travel insurance maintains clear communication with their customers. If any additional documentation or information is required, they will promptly notify you, allowing you to provide the necessary details without unnecessary delays.

Viking travel insurance offers a hassle-free claims process that is efficient, transparent, and ensures timely payouts and reimbursements. With their streamlined online submission, dedicated claims team, and focus on clear communication, you can rest assured that making a claim with viking travel insurance will be a seamless experience, allowing you to get back to enjoying your travels with peace of mind.

Global Network And Assistance

Viking travel insurance provides a global network and assistance for travelers, ensuring peace of mind and support in case of emergencies. Discover if viking travel insurance is worth it for your next journey.

Access To A Vast Network Of Medical Providers

When it comes to your health, having access to a reliable network of medical providers is essential, especially when you’re traveling abroad. Viking travel insurance understands this and offers policyholders access to a vast global network of medical providers. Here’s why it’s worth considering:

• Wide network coverage: With viking travel insurance, you can have peace of mind knowing that you’ll have access to a wide network of medical providers in different countries. This ensures that you’ll receive quality medical care in case of an emergency or illness while traveling.
• Expert medical professionals: The network includes a team of experienced and skilled medical professionals who are ready to assist you in your time of need. Whether you require medical consultation, emergency treatment, or specialized care, viking travel insurance can connect you with the right experts.
• Convenience and hassle-free arrangements: Arranging medical services in a foreign country can be daunting, especially if you’re unfamiliar with the local healthcare system. However, with viking travel insurance, you can rely on their assistance team to make the necessary arrangements on your behalf, saving you time and stress.
• Assistance with language barriers: Communicating in a different language can be challenging, especially when discussing critical health matters. Viking travel insurance can provide interpreters or translators to bridge the communication gap between you and the medical providers, ensuring that nothing gets lost in translation during your treatment.

Assistance In Emergencies And Foreign Countries

When traveling abroad, unforeseen emergencies can occur. That’s why it’s crucial to have travel insurance that provides comprehensive assistance. Viking travel insurance goes beyond mere coverage by offering a range of services designed to support you during challenging times. Here’s what sets them apart:

• 24/7 emergency support: With viking travel insurance, you have access to round-the-clock assistance, ensuring that you’re never alone in an emergency. Whether it’s a medical crisis, lost passport, or unexpected travel disruption, their dedicated team is just a phone call away, ready to provide guidance and support.
• Emergency medical evacuation: In the event of a severe illness or injury that necessitates evacuation to a more suitable medical facility, viking travel insurance can arrange and cover the costs of emergency medical evacuation, ensuring you receive the best care possible.
• Coordination of care: If you find yourself hospitalized during your trip, viking travel insurance can help coordinate your medical care, ensuring that you receive the necessary treatment and appropriate follow-up care. This includes liaising with the medical providers, reviewing medical records, and keeping your loved ones informed.
• Travel assistance services: Viking travel insurance offers a range of additional travel assistance services, such as providing referrals for legal assistance, offering guidance on lost or stolen belongings, and helping with travel document replacement, providing you with comprehensive support throughout your journey.

Overall, viking travel insurance’s global network and assistance services make it worth considering when planning your next trip. With access to a vast network of medical providers and round-the-clock emergency support, you can travel with confidence, knowing that help is just a call away.

Frequently Asked Questions Of Is Viking Travel Insurance Worth It

Should you get insurance for viking cruise.

Insurance for a viking cruise is highly recommended due to unforeseen events and possible trip cancellation. It protects your investment, covers medical expenses, and provides assistance during emergencies.

Does Viking Travel Insurance Cover Covid?

Viking travel insurance covers covid. It provides coverage for trip cancellation and interruption due to the pandemic. Additionally, it offers reimbursement for medical expenses related to covid if you get sick while traveling. Remember to review the specific terms and conditions of your policy for complete details on coverage.

Is Travel Insurance Worth It For A Flight?

Yes, travel insurance is worth it for a flight. It provides protection against unexpected events such as trip cancellations, delays, lost baggage, and medical emergencies. With travel insurance, you can get reimbursement for non-refundable flight expenses if your trip is canceled or interrupted due to unforeseen circumstances.

It also covers medical expenses in case you need medical attention while traveling. Moreover, travel insurance can assist you in locating lost baggage and cover the cost of essential items until your belongings are found. It offers peace of mind and financial security, ensuring that you are not left stranded or bearing hefty costs in case of any mishaps during your flight.

Therefore, it is wise to invest in travel insurance to safeguard your journey and have a worry-free travel experience.

What Is The Cancellation Policy For Viking River Cruises?

Viking river cruises has a cancellation policy that varies depending on the time frame. If you cancel more than 121 days before your trip, there is no fee. Between 120 and 90 days prior, the fee is $100. Between 89 and 60 days, the fee is $450.

Within 59 and 30 days, the cancellation fee is 50% of the total trip cost. If you cancel within 29 days, the fee is 100% of the trip cost. Be aware that different rules may apply for group bookings. It’s important to note that cancellation fees apply per person.

Viking travel insurance offers a range of benefits that make it a worthwhile investment for those planning a trip. With its comprehensive coverage, including protection against trip cancellation, medical emergencies, and lost luggage, viking ensures that travelers are well taken care of in the event of unforeseen circumstances.

The ease of purchasing and claiming through their online platform adds to the convenience and efficiency of their services. Furthermore, their 24/7 customer support ensures that assistance is always available to address any concerns or queries that may arise. While the cost of viking travel insurance may be a factor to consider, the peace of mind it provides is invaluable.

Whether you are embarking on a short weekend getaway or a long journey abroad, viking travel insurance is definitely worth considering to safeguard your investment and enjoy a worry-free trip. So, don’t hesitate to secure your travel plans with viking and travel with confidence!

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9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Home » Travel Insurance » Reviews » Best Travel Insurance for Viking River Cruises

Best Travel Insurance for Viking River Cruises

Written by Antonio Cala

• Affiliate Disclosure

Table of Contents

Embarking on a journey with Viking River Cruises transports you to a realm where serene waterways meander through the heart of Europe, Asia, and Africa. As you glide aboard their elegant, state-of-the-art ships, you’re treated to a tapestry of breathtaking vistas, storied cities, and immersive cultural experiences that Viking is renowned for.

However, even with Viking’s exceptional attention to detail and planning, unforeseen events can occur—a medical emergency, an unexpected itinerary change, or a lost piece of luggage can turn your tranquil voyage into a challenging ordeal. That’s precisely why investing in travel insurance is a smart choice.

Finding the best travel insurance for your Viking River Cruise is not merely a safeguard; it’s a crucial component of your travel plan, offering protection against the unpredictable. 

This article will steer you through the selection process, helping you find the travel insurance that best fits your Viking cruise details, personal budget, and preferences. With the right policy, you can set sail with confidence, ready to indulge in the rich history and flavors each destination has to offer, knowing you’re well-prepared for whatever the journey may bring.

For a comprehensive exploration of insurance options designed specifically for adventure travelers, be sure to explore our master guide The Ultimate Guide to Adventure Travel Insurance .

Quick Recommendations

If you want some quick recommendations, here is our infographic to help you choose the best insurance for your next Viking cruise. 

Viking River Cruises Insurance Overview

Understanding travel insurance for viking river cruises.

Viking River Cruises provides travel insurance through Trip Mate. However, it is often advised not to purchase travel insurance directly from the trip organizer, and with Viking, this recommendation is particularly pertinent.

Please understand, Viking’s cruises are exceptional, but the coverage provided by their insurance may not meet all travelers’ expectations. There have been numerous online accounts of travelers facing challenges in receiving reimbursement, despite having policies that include trip cancellation or a “cancel for any reason” option.

Furthermore, if you use a Viking voucher to pay for your cruise or a portion of it, be aware that TripMate will not cover trip cancellation costs if you find yourself needing to cancel.

In summary, considering an independent travel insurance provider is likely a wiser choice. It tends to be more cost-effective, offers more comprehensive coverage, and simplifies the claims process without the potential conflicts that may arise when dealing with both TripMate and Viking in the event of a cancellation.

What Does It Cover?

An insurance for Viking River Cruises works like a traditional adventure travel insurance policy, offering you protection for the following:

Medical Expenses

Should you experience a medical issue while sailing through the storied rivers on your Viking River Cruises journey, possessing the appropriate insurance is of paramount importance. Tailored to accommodate the specific needs of navigating multiple countries on Viking’s routes, this insurance provides coverage for emergency medical expenses that could arise as you explore the diverse and historically rich European locales, including potential evacuation and treatment costs.

This insurance covers a broad spectrum of health-related incidents, from minor ailments to critical emergencies. Whether you need prompt medical attention or more comprehensive treatment, a robust insurance policy offers the necessary financial support to manage unexpected medical challenges that might emerge amidst the picturesque and culturally immersive backdrop of your Viking River Cruises adventure.

Baggage Coverage

If your personal belongings, such as your camera or other valued items, become damaged or are lost during your trip with Viking River Cruises, having the right insurance is crucial. Viking River Cruises-specific insurance policies usually include personal property coverage to protect your possessions.

The extent of coverage can differ greatly, offering protection for items of various values. This allows you to submit a claim to help with the expenses of repairing or replacing essential items. As you traverse through grand capitals or serene landscapes with Viking River Cruises, it’s important to protect not just your travel experiences but also the personal effects that help capture and enhance those moments.

Trip Cancellation or Interruption

If an unexpected injury makes you cancel your Viking River Cruises voyage, having specialized insurance for these occurrences can be extraordinarily advantageous.

Such insurance provides the opportunity to seek reimbursement for parts of your trip that were unavoidably missed due to unforeseen events.

With adequate coverage, you can safeguard the investment you’ve made in your Viking River Cruises experience, ensuring that even in the face of disrupted plans, your financial wellbeing remains secure.

Emergency Evacuation

One of the most essential form of insurance for any journey with Viking River Cruises, where access to medical facilities might differ with each destination, is emergency medical evacuation coverage.

This coverage ensures that if you face a medical emergency, you will be promptly transported to the closest suitable medical facility for treatment, or if required, returned to your home country.

Considering the varied locales and the possible remoteness from specialized medical centers while navigating the waterways with Viking River Cruises, this type of insurance is crucial for offering peace of mind and ensuring a secure journey.

What Doesn't Cover?

Each insurance provider has their own regulations concerning the extent of their coverage and the exclusions that apply. Common limitations of an insurance covering a Viking River Cruise may include:

Political events: The political landscape in Europe can change rapidly, and some insurance policies might include specific provisions about coverage for cancellations or disruptions due to political turmoil or similar incidents.

Itinerary alterations: River cruising with Viking may encounter situations such as varying water levels or logistical considerations that could necessitate changes to docking locations and schedules. Certain policies might compensate for these alterations, making it important to understand these details.

Best Travel Insurance for Viking River Cruises in 2024

Our Pick For

Americans who need high medical coverage

Nationalities:  Only US citizens and residents are eligible.

Pre-existing conditions:  Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.

Seniors Over 65:  There is no maximum age limit.

Trip Duration:  All plans cover trips up to 180 days.

Groups:  Insurance policies for solo travelers, couples and families are available.

• Pros & Cons

Reasons To Buy

The prices are very competitive.

Plans are very customizable with plenty of extras available and the option of removing items you don’t need.

Pre-existing medical conditions accepted.

24/7 chat available with the Faye Mobile App

Reasons To Avoid

Only available to American residents.

Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.

Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.

Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.

Pet Care: Up to $2,500 in veterinary expenses & 
$250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.

Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.

Faye insurance  provides American residents one of the biggest medical coverages on the market at a very competitive price. 

If you live in the US and you want to have the highest medical coverage possible, then Faye is the best option for you. It provides the highest medical coverage available (up to $250k) and 100% of your trip in case of cancellations.

We recommend  Faye  for Americans who  want a complete travel protection for their Viking River Cruise, including high medical coverage ($250k medical & $500k evacuation), trip protection cancellation & interruption, and baggage coverage.

Americans who don't need high medical coverage

Nationalities:  All nationalities are covered, as long as they are US residents. 

Pre-existing conditions:  Yes.

Seniors Over 65:  Senior travel insurance package is offered to seniors over 65.

Trip Duration:  Travel Select and Travel Basic plans cover trips up to 364 days. Travel America plan covers trips up to 14 days. 

Groups:  Individual and family plans available. 

Destinations covered:  Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

The price is competitive.

Pre–existing conditions accepted.

Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

Only available to US residents.

They receive mixed reviews online.

Emergency Accident & Sickness Medical Expense: Up to $50,000. It comes with a dental coverage sublimit of $500

Emergency Evacuation: Up to $500,000. It comes with an escort coverage limit of $25,000.

Trip Cancellation: 100% of insured trip cost. It comes with a limit of $50,000.

Trip Interruption: 150% of insured trip cost. It comes with a limit of $75,000.

Trip Delay: Up to $2,000. The policy comes with a daily sublimit of $200 and a minimum delay of 5 hours

Baggage & Personal Effects: Up to $1,000. Items sublimits apply.

Additional Medical Coverage. Increase your medical expenses coverage by $50,000 and up your medical evacuation coverage by $500,000.

Adventure Sports. Get protection for participating in professional athletic events, ziplining, skydiving, mountain climbing, and traveling on any air-supported devices.

Cancel for Any Reason. Protect yourself against the unexpected – whatever it maybe – and cancel your trip for any reason up to 48 hours before your scheduled departure date.

The Travelex Select Plan is the best option for American residents going on a cruise with Viking that don’t require more than $50k in medical coverage. 

It covers 100% of your trip in case of cancellation (up to $50,000).

Travelex is particularly appealing for travelers who don’t need high medical coverage and  their priority is safeguarding your trip investment against potential cancellations.

Non Americans + Expensive cruises

Travel Guard

Nationalities:  Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy. 

Seniors Over 65:  Travelers aged 65-75 are covered.

Trip Duration:  All plans cover trips up to 364 days.

Groups:  One children aged 17 and under is included with an adult policy at no extra cost.

Highest medical  expenses and trip cancellation/interruption coverage combined under the same policy.

Pre-Existing Medical Condition Exclusion Waiver Available (must be purchased within 15 days of the Initial Trip Payment).

Not all nationalities are covered.

Must be less than 75 years old.

Travel Medical Expense/Dental Expense: Up to $100,000/$500. Travel Medical Expense pays for medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.

Emergency Evacuation and Repatriation of Remains: Up to $1,000,000. Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.

Trip Cancellation: Up to 100% Insured Trip Cost. Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $150,000.

Trip Interruption: Up to 150% Insured Trip Cost: Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $225,000

Trip Interruption – Return Transportation Only: Up to $1,000. Reimburses the additional Transportation expenses incurred by you to reach the Return Destination if your Trip is interrupted by one of the Unforeseen events shown in the Policy Trip Interruption section.

Trip Delay: Up to $1,000. Reimburses up to $200 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.

Baggage Coverage: Up to $2,500. Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is primary.

Trip Saver: Up to $5,000. Reimburses up to $5,000 for meals, Hotels and additional Transportation if the Insured must begin their Trip sooner than the originally scheduled Departure Date due to Inclement Weather or Common Carrier changes.

Baggage Delay: Up to $500. Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.

Missed Connection: Up to $1,000. Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights for three or more hours. Does not apply if you do not leave adequate time between connecting flights.

Security Evacuation: Up to $100,000. Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to a riot or civil disorder.

Cancel for Any Reason Bundle. Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you cancel your Trip for any reason, not otherwise covered under the Policy, up to 48 hours prior to your scheduled departure.

Adventure Sports Bundle. Removes the exclusions for adventure and extreme activities from all benefits on the Policy.

Pet Bundle. Daily benefit for boarding, and a medical expense coverage for illness or Injury of dog or cat while traveling. Includes coverage for Trip Cancellation or Trip Interruption if your Pet is in critical condition or dies within seven days prior to the Departure Date.

Wedding Bundle. Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.

The Travel Guard Deluxe plan is the best option for Viking River Cruises if you don’t live in the USA and want a high trip cancellation coverage (up to $150,000), a medical coverage up to $100,000 and emergency evacuation up to $1,000,000. 

Please note Travel Guard doesn’t receive the best reviews online.

Non Americans + Budget + Not very expensive cruises

World Nomads

Nationalities:  Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.

Pre-existing conditions:  Not covered.

Seniors Over 65:  Travelers aged 70 and over are not covered.

Trip Duration:  All plans cover trips up to 365 days.

Prices and coverage vary greatly by the country of residence.

Some European nationalities are not covered.

Pre-existing medical conditions not covered

Max age is 70 years old.

Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.

Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.

Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.

Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.

Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.

Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.

Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.

Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)

The  World Nomads Explorer Plan  is a great option for non-Americans if your Viking river cruise cost is under $10,000. It offers good medical coverage ($100k), emergency evacuation ($500k) and some equipment coverage (up to $3,000) under the same policy.

We recommend World Nomads if you’re looking for an affordable travel insurance for a river cruise from Viking that costs less than $10,000.

Comparison Table

When choosing insurance for your Viking River Cruises experience, it’s crucial to determine if you need high medical coverage and the total cost of your trip.

For American residents who don’t need high medical and their priority is to protect their investment against possible cancellations, Travelex – Select is an excellent choice. This policy offers extensive protection, including reimbursement for 100% of your trip cost in the event of cancellation (up to $50,000).

If you are an American resident and need a high medical coverage, Faye is probably your best option. It offers broad medical coverage, accepts pre-existing conditions, imposes no age restrictions, and covers 100% of your trip cost for cancellations.

For non-US residents on a more budget-friendly Viking cruise (under $10,000), the Explorer Plan from World Nomads could be the most suitable fit. It delivers substantial medical coverage at an affordable rate.

Finally, for non-US residents embarking on more luxurious Viking River Cruises (over $10,000), Travel Guard – Deluxe may be a good choice. This plan provides up to $150,000 in coverage for trip cancellations or interruptions. However, it’s important to note that online reviews for Travel Guard are mixed, so we recommend doing your due diligence before purchasing.

Other Adventure Cruises

If you would like to read more about insurance options for adventure cruises from around the world, you can check out the other articles we’ve written below:

• Travel Insurance for Antarctica Cruises
• Travel Insurance for Alaska Cruises
• Travel insurance for South Pacific Cruises
• Travel Insurance for Australia Cruises
• Travel Insurance for New Zealand Cruises
• Travel Insurance for European River Cruises
• Travel Insurance for Viking River Cruises

Other Travel Insurance Reviews

If you would like to read more about insurance options for other type of adventure trips, you can check out our other reviews below:

• Skiing &  Snowboarding
• Hiking Trips
• Mountaineering & High Altitude Trekking
• Mountain Biking,   Bike-touring  &  Bike-packing
• Rock Climbing ,  Ice Climbing  &  Bouldering
• Kayaking ,  White Water Rafting  &  Paddle Boarding
• Fishing  &  Spearfishing
• Diving Liveaboards &  Freediving
• Sailing ,  Kite Surfing  &  Surfing
• Adventure Cruises
• Adventure Motorcycling
• Travel Insurance for Seniors Over 65
• Travel Insurance for People with Pre-existing Conditions

Viking River Cruises Insurance Reviews Online

During your research, you might want to consider reviewing articles from different sources that offer insights into the top insurance companies for Viking cruises.

Below are a few articles that caught my interest.

Travelers beware of Vikings new travel voucher policy – cruisecritic.com

Travel Insurance on Viking – fodors.com

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions.  Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit , the RV site Hitched Up , the boutique accommodation blog  Unique Places  and the popular newsletter Adventure Fix , where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

Privacy Overview

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We believe everyone should be able to make decisions with confidence. And while our site doesn’t feature every company or travel service available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

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Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Yahoo Finance

Viking (vktx) skyrockets 197% ytd: is the stock worth a buy.

Viking Therapeutics VKTX has been attracting investor interest for quite a while, all thanks to the rapid progress of its pipeline candidates targeting obesity and non-alcoholic steatohepatitis (NASH) indications.

This year, management reported encouraging results on its obesity and NASH drug programs. These results position the company’s pipeline candidates strongly against currently available therapies targeting these diseases.

So far this year, the stock has surged 197.3% against the industry’s 6.3% decline. The stock has also outperformed the sector as well as the S&P 500.

Image Source: Zacks Investment Research

Robust Commercial Potential in the Obesity Space

Viking is one of the few biotech stocks that has shown immense potential in the obesity space. Its obesity drug, VK2735, is being evaluated as a subcutaneous (SC) injection and as an oral pill in a mid-stage study and an early-stage study, respectively. This drug has shown blockbuster potential, demonstrating superior weight reduction capabilities in both clinical studies.

In February, management reported that the phase II VENTURE study, which evaluated the SC formulation of VK2735, achieved its primary and all secondary endpoints with statistical significance. Patients treated with the SC formulation achieved a mean weight reduction of 14.7% after 13 weeks compared with 1.7% in the placebo group. In March, Viking reported data from the early-stage study on the oral formulation of the drug, which demonstrated promising dose-dependent reductions in mean body weight after 28 days of daily dosing.

Management plans to meet with the FDA to discuss the above results to determine the next steps in VK2735 development. It expects to advance both formulations of the drug into further development before this year’s end.

The obesity market has garnered much interest lately, with two companies — Eli Lilly LLY and Novo Nordisk NVO — currently dominating this space. Despite having approved obesity drugs, Lilly and Novo have been unable to cope with existing demand. They are facing delays in fulfilling orders amid continued supply constraints and product shortages.

Per research conducted by Goldman Sachs, the obesity market in the United States is expected to reach $130 billion by 2030. This is also evident from the fact that Lilly and Novo are not only investing heavily to optimize their production capacities but have also started evaluating multiple other novel obesity candidates.

Encouraging Data from NASH Drug Study

Last month, management reported positive 52-week histologic data from the phase IIb VOYAGE study that evaluated its lead pipeline drug VK2809 in patients with biopsy-confirmed N ASH. This study evaluated four different doses of VK2809 — 1 mg, 2.5 mg, 5 mg, and 10mg.

The study achieved its secondary endpoints of histologic changes assessed by hepatic biopsy after 52 weeks of treatment with VK2809 when compared with placebo. Overall, 40% to 50% of patients who received VK2809 achieved NASH resolution(meaning the disease symptoms disappeared) and at least a one-stage improvement in fibrosis. In contrast, only 20% of patients who received a placebo achieved similar results. The study previously achieved its primary endpoint — patients who received VK2809 achieved a statistically significant reduction in liver fat content following 12 weeks of treatment.

Viking intends to meet with the FDA to discuss the VOYAGE study results, before making further decisions on the program. Management is also looking for a partner to further develop and market the drug.

Based on the above study results, we believe that the drug could rival Madrigal Pharmaceuticals ’ MDGL Rezdiffra, which the FDA approved in March 2024 as the first-ever NASH drug. It was commercially launched by Madrigal in April.

Stock Price & Estimates

The stock is trading at a premium to the industry, as seen in the chart below.

VKTX Stock Valuation

Viking’s stock has gone up by 1,861.7% in the past two years, mainly due to its solid pipeline progress. During this period, the stock has also outperformed the S&P500.

Estimates for Viking’s 2024 loss per share have slightly increased from $1.08 to $1.11 over the past 60 days.

VKTX Estimate Movement

The stock is expected to surge further if Viking secures a potential approval for VK2735 or VK2809. Though the company lacks a stable stream of revenues, management has accumulated a strong cash balance of around $963 million (as of March 2024-end), which is helping it fund its day-to-day operations. Given the success obtained by Viking in pipeline development, it could also be eyed as an attractive acquisition target by big pharma.

Viking is an outstanding stock to have in one’s portfolio based on its strong cash balance and robust pipeline progress. Though VKTX currently trades at a premium to the industry, we recommend investors should accumulate this #2 Ranked stock as it has growth potential.

You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here .

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

Novo Nordisk A/S (NVO) : Free Stock Analysis Report

Eli Lilly and Company (LLY) : Free Stock Analysis Report

Viking Therapeutics, Inc. (VKTX) : Free Stock Analysis Report

Madrigal Pharmaceuticals, Inc. (MDGL) : Free Stock Analysis Report

To read this article on Zacks.com click here.

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Viking Cruises Travel Insurance - 2024 Review

Viking cruises travel insurance.

• Strong insurance partner
• Good Medical Insurance
• Cancel for Any Reason
• Pre-existing Condition Waiver
• Cancel for Any Reason pays expiring future credit not Cash
• Low Medical Evacuation Coverage
• No Cancel For Work Reason Coverage
• No Interrupt For Any Reason Coverage

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Viking Cruises is a leader in luxury river and ocean cruises. Viking also sails expedition ships to remote areas of the world such as the Arctic and Antarctic.

In this review, we’ll detail Viking’s Travel Protection Plan coverage and cost versus comprehensive trip insurance options available on the wider market.

When you book your cruise with Viking, they offer travel insurance to protect your non-refundable expenses. The Viking Cruise Travel Protection Plan includes Cancellation, Interruption, Medical Insurance, Medical Evacuation,  Baggage Insurance , Travel Delay and several other benefits.

The policy is underwritten by the United States Fire company, which also underwrites policies for companies Cruise Insurance 101 partners with.

If you book your Viking cruise through Viking’s website, you have an opportunity to opt-in or opt-out of insurance during the checkout process. However, if you prefer to shop around, simply opt-out. You have plenty of time to check prices before Viking closes insurance enrollment.

Of course, when you buy a travel insurance plan on the wider marketplace, you can buy travel insurance anytime until the day before departure. However, we recommend buying it early so it includes coverage for Pre-existing Medical Conditions. More about this later.

Our Cruise: Waterways of the Tsars

Our chosen cruise is the 13-day Waterways of the Tsars River cruise for two travelers, ages 55 and 60.  The tour starts in Moscow and leisurly cruises along the Volga River to St. Peterburg.

We also had several pre-cruise options available: two nights in St Petersburg for $499 per person or three nights in Helsinki for $999 per person. An additional option to spend two nights in Moscow post-cruise for $599 per person is also available. We’ve opted not to include these additions.

After choosing our stateroom, the total cost of the trip is $14,798 for our travelers.

Viking has a nice addon to include airfare in the total trip cost if you choose. Airfare from 150 US cities can be included so you don’t need to shop for airfare.

Economy tickets from your airport of choice are included free. Premium economy seats or business class seats are also available for an additional price. For our trip, we chose Premium Economy airfare from Chicago’s O’Hare airport for an additional $799 per person. Had we chosen business class, it would have added $3499 per person to the trip cost.

Viking Travel Protection

After choosing or declining airfare, the last set of options we have before checkout is deciding whether to take Viking’s Travel Protection Plan insurance. This plan with Viking, offers travel insurance to protect your non-refundable expenses. The Viking Cruise Travel Protection Plan includes Cancellation, Interruption, Medical Insurance, Medical Evacuation, Baggage Insurance, Travel Delay, and several other benefits.

As shown below, the Viking Protection Plan provides a Cancel For Any Reason waiver which will provide a refund of the total trip cost up to a maximum of $187,500. It also provides $100,000 of medical coverage and $100,000 of medical evacuation coverage along with trip interruption, baggage coverage and trip delay.

Including or declining airfare will change the amount charged for the insurance if it is selected. Declining airfare or choosing the free economy airfare, the Travel Protection Insurance is $719 per person.

Choosing Premium Economy airfare increases the insurance to $819 per person (See below).

Finally, choosing Business Class airfare increases the insurance to $919 per person (see below).

As we’ve chosen the Premium Economy seating, making our insurance selection $819 per person for a total of $1638 if we choose to add it. Can we find comparable or better travel insurance for a lower cost? Let’s find out.

Comparison Quotes

When shopping for trip insurance, many travelers aren’t sure where to start. We always recommend travelers leaving the US acquire at least:

• $100,000 medical insurance, and
• $250,000 emergency medical evacuation, and
• a Waiver of Pre-existing Medical Conditions.

These levels ensure you’re covered for most medical emergencies overseas.

Next, we compare Viking Cruises travel insurance with two policies available on  Cruise Insurance 101  Travel Insurance Marketplace for our trip cost of $14,798

The least expensive plan that provides at least $100,000 in Medical Insurance , $250,000 in Medical Evacuation  and includes a  Waiver of Pre-existing Medical Condition is the Trawick First Class for $840.07 for both travelers together.

This plan has $150,000 of medical coverage, which is $50,000 MORE than the Viking policy and $1 million of medical evacuation, which is $900,000 MORE than Viking provides. It is also $597.93 LESS than the Viking Protection Plan. However, one thing the Trawick plan does not have included is a Cancel for Any Reason option added to it. So, let’s look at a version that does.

Let’s consider  Trawick First Class (CFAR 75%), because it’s the least expensive plan that includes  Cancel For Any Reason . This version of the plan would most closely match the coverages for the Viking Protection Plan. The Trawick First Class (CFAR75%) is the same policy as before but adds the Cancel For Any Reason option.

Let’s look at these three policies side-by-side:

Price and Value

First, you can see that Viking cruise travel insurance ($1,638) costs nearly double the standard Trawick First Class policy ($840.07). While Trawick provides $1 million for medical evacuation, Viking’s medical evacuation is only $100,000, which is less than half of what we recommend for this coverage. Low Medical Evacuation coverage can leave you with a large out-of-pocket expense if a medical emergency requires an airlift back home.

Also, notice that Viking’s “cancel for any reason” grants a future credit, not a cash refund. The vouchers expire in 12 months if you don’t use them. By contrast, the Trawick First Class (CFAR 75%) pays a cash refund. If you spent over $14,000 on a trip and only get future credit, that’s a lot of money to sacrifice to vouchers (which only last a year).

For the price, the Viking Cruises’ travel protection plan offers disappointing value.

Trip Cancellation

When you buy travel insurance through a Travel Insurance Marketplace like Cruise Insurance 101 or directly from the insurer, all benefits listed in the policy are provided by the insurance company.

For Viking cruise trip insurance, Viking, not the insurance company, pays for the  Trip Cancellation  benefit. In fact, many cruise lines that offer a Cancel For Any Reason waiver pay for the Trip Cancellation section themselves.

Of course, all other benefits such as  Medical Insurance , Baggage and the rest are reimbursed by the insurance company, not Viking.

Travel insurance with Trip Cancellation protects your investment in case you must cancel unexpectedly. Every policy has a list of reasons that are covered for a 100% refund if you must cancel.

Viking cruise travel insurance provides a typical list of cancellation reasons found in most travel insurance plans:

• A Sickness, Injury, or death of You, a Family Member, or a person booked with You on the Trip which with respect to any such Sickness or Injury, requires examination and/or treatment by a Physician at the time you cancel Your Trip. The treating physician must certify that the Sickness or Injury will prevent You from taking Your Trip.
• You or a person booked with You on the Trip are quarantined, selected for jury duty, or receive a valid court order to appear as a witness in a third-party legal action (which jury duty or court appearance would be during the time of the Trip), and such impediment to travel remains at the time You cancel Your Trip.
• Your home or the home of a person booked with You on the Trip, or the destination accommodations specified for Your Trip, are made uninhabitable by natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard) and are reasonably expected to remain uninhabitable during the time of the Trip.
• Your place of employment or the place of employment of a person booked with You on the Trip is damaged due to a natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard), requiring You or that traveling companion to remain at work instead of participating in the Trip as a result.
• A documented theft of Your passport(s) or visa(s) which is/are not recovered prior to the time that you cancel Your Trip.
• A job transfer (other than a temporary assignment) at Your primary place of employment of 250 miles or more.
• Your documented involvement in a traffic accident while en route to join the Trip which reasonably causes You to miss the Trip departure.
• Unannounced organized labor strike, inclement weather, or mechanical breakdown which delays, for 12 hours or more, the aircraft on which You are scheduled to travel for (or to) the Trip.
• A shutdown of an airport or the air traffic control system which is reasonably expected to prevent you from departing on the Trip.
• You or a person booked with You on the Trip is either (a) called to emergency military duty following a natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard); or (b) has a previously granted military leave or re-assignment revoked, and either such impediment to travel as described in subparts (a) and (b) remains at the time that You cancel Your Trip.
• You are terminated or laid off Your job by Your employer for whom You have worked for at least one continuous year, and You are unemployed as of the time that You cancel Your Trip.
• Within 30 days of the scheduled Trip departure date, an act of terrorism occurs in a city that is part of the itinerary for Your Trip, and it is deemed a terrorist incident by the United States Government or by the authorities in the country where the act(s) occurred.

If you cancel for any of the reasons listed above, Viking compensates you, not the insurance company.

Of course, Trip Cancellation reimbursement only applies to the money you spent with Viking. If you bought airfare, hotels or excursions through a 3rd party, Viking’s travel insurance leaves you exposed for those losses.

If you must cancel your trip for a reason that’s not covered by the policy, Viking offers credit toward a future cruise, but it must be used within 12 months and may not be used for the initial deposit. Viking calls this feature a “Cancel For Any Reason” Waiver.

You can easily cover all travel arrangements, like cruise fare, airfare, hotels, transfer, excursions, and rental cars with a single policy through Cruise Insurance 101 . This strategy is much easier to manage and saves you money.

Cancel For Any Reason

As mentioned previously, Viking pays a cash reimbursement if you cancel your trip due to a covered reason.

If you cancel the cruise for any other reason, Viking only offers future credit or vouchers. In fact, cruise lines and tour agencies are notorious for offering future credit instead of cash refunds. Lack of cash refund puts some travelers in a difficult financial position, sometimes when they need money the most.

Cancel For Any Reason travel insurance policies available on Cruise Insurance 101 do not provide future credit. They will refund in cash.

If you must cancel your trip, cash is the most useful tool. Although Viking calls their feature Cancel For Any Reason, in practice, it’s more like “Postpone For Any Reason.”

Here’s how Viking’s “Cancel For Any Reason” Waiver works:

• The policy must be purchased within 14 days of the initial trip deposit or payment, and
• The “Cancel For Any Reason” Waiver does not become effective until you make full payment for the cruise vacation, and
• The waiver does not cover fees or costs associated with any transportation, accommodations, or other travel services that are not arranged by Viking, and
• If you have other travel insurance, the waiver will be reduced by the amount of any Trip Cancellation amounts paid or payable under any other travel insurance or travel protection plan providing Trip Cancellation benefits.

Then, travel vouchers are subject to the following limitations:

• Viking Cruises travel vouchers may only be used when purchasing transportation, accommodations, or travel services from Viking Cruises, and
• Must be redeemed within 12 months of the date of issue, and
• Such travel vouchers are non-refundable and non-transferable, and
• Will only be issued in the name of the person(s) for whom the Trip were cancelled, and
• Are not redeemable for cash, and
• Viking Cruises travel vouchers may not be used as a credit toward the initial deposit for a future Trip booked through Viking Cruises, or to purchase another Viking Cruises Travel Protection Plan, and
• The value of such travel vouchers will not be reimbursable under the Waiver of any future Viking Cruises Travel Protection Plan that you may purchase.

If that sounds restrictive, it is.

There are a lot of rules about how and when Viking allows you to receive and use your future credit vouchers.

On the other hand, policies available through  Cruise Insurance 101 with the Cancel For Any Reason benefit and are much simpler to understand.

Here’s how they work:

• If you cancel for a reason other than those covered by the policy, you receive 50% or 75% (depending on policy) of your Trip Cost reimbursed in Cash
• Must purchase the policy within 10 - 21 days (depending on policy) of your Initial Trip Payment, and increase your policy coverage within 20 days of any subsequent payments
• Must cover 100% of all trip costs by the policy
• Must cancel the trip 48 hours or more prior to your Departure Date.

That’s all there is to it. Not complicated.

Trip Interruption

Trip Interruption  works the same way as Trip Cancellation but occurs when you’re already on your trip.

For example, if you got news from back home that a family member was suddenly hospitalized with a critical illness, you can return home early. The insurance reimburses you for the unused portion of the trip, plus the extra cost of going home early.

Viking Cruises travel insurance covers more reasons for Trip Interruption than for Trip Cancellation.

Covered Interruptions include:

• Covered sickness, injury or death of you, a family member, traveling companion or business partner that occurs during the trip
• Being hijacked, quarantined, required to serve on a jury, or subpoena
• Primary place of residence or destination being rendered uninhabitable by fire, flood, burglary, or other natural disaster
• Documented theft of passports or visas
• Permanent transfer of employment of 250 miles or more
• Being directly involved in a traffic accident on the way to departure
• Unannounced strike of common carrier
• Inclement weather
• Mechanical breakdown of common carrier
• Government-mandated shutdown of an airport or air traffic control system
• Traveler is in the military and called to emergency duty for a national disaster other than war
• Involuntary employer termination or layoff
• Revocation of previously granted military leave or reassignment due to war
• Your family or friends living abroad with whom you are planning to stay are unable to provide accommodations due to life-threatening illness/injury or death of one of them
• Victim of felonious assault
• Trip is delayed and causes you to lose 50% or more of the scheduled trip duration

Viking cruise trip insurance provides a respectable list of covered interruption reasons. Interestingly, they offer more covered reasons for Trip Interruption than for Trip Cancellation. But it’s not surprising since the insurance company pays for the Interruption, not Viking, who pays for the Cancellation.

Medical Insurance

While most travelers are concerned with losing their investment in the trip, many overlook the importance of  Medical Insurance.

A trip cost of $5,000 or $25,000 is a significant purchase. But if a medical emergency occurs during your trip, a hospital bill of $100,000 is a far more devastating loss.

Because medical treatment is expensive everywhere in the world, we recommend all travelers leaving the US to purchase at least $100,000 Medical Insurance.

Some travelers assume  Medicare  covers them outside the US, but, unfortunately, this is not the case. Medicare does not pay any international providers.

Although some Medicare supplement policies include a $50,000 emergency health insurance, it comes with some restrictions. The benefit is a lifetime limit, not a per trip limit.

In addition, Medicare supplement policies require you to pay a 20% out-of-pocket co-insurance (up to $10,000 of your money). If your primary insurance at home is Medicare and a Medicare supplement, it makes sense to get additional coverage.

Another common misconception is that health care is free in other countries. That’s only half true.

Countries that offer universal health care only provide it to their residents. They pay taxes to fund their national health care program and provide free care at public hospitals. On the other hand, traveling Americans are sent to private hospitals for treatment where you must pay the full price out of pocket.

If you receive treatment at a private medical center, you can expect $3,000 to $4,000 or more for inpatient fees per night, plus additional costs for medicine, tests, treatments, or surgeries. After you worked hard to save for retirement, would you want to risk losing your nest egg to foreign medical care?

One last situation worth noting is that the US State Department does not provide any financial support for medical treatment. Nor do they pay for medical evacuation to bring you home.

This myriad of circumstances is why  Cruise Insurance 101 recommends each traveler take at least $100,000 Medical Insurance when leaving the US .

Looking at Viking Cruise medical insurance, they provide our minimum recommended amount of $100,000 for medical coverage. Very few cruise lines provide such a generous benefit.

If you prefer Medical Insurance with a higher limit, several policies found on Cruise Insurance 101 have coverage of $150,000, $250,000, and even $500,000.

Emergency Medical Evacuation

Medical Evacuation  insurance is the follow on to Medical Insurance. Together, these two benefits provide comprehensive coverage in a medical emergency.

People often dismiss the importance of Medical Evacuation insurance.

Suppose you are healthy and not taking any medication. While on your cruise, you start feeling bad and the crew thinks you are having a stroke. They rush you to the nearest hospital and the doctor confirms a stroke after completing multiple tests.

The doctor says you are stable enough to travel, but not well enough to take a commercial flight home. She orders air transportation home on a medical jet because you’re still at risk and require medical personnel to oversee your vitals.

Medical air transportation can cost $15,000 to $25,000 per flight hour and it’s a 10-hour flight home.. Who will pay for the flight? Your personal health insurance does not cover Medical Evacuation.

But travel insurance does!

Medical Evacuation provides transportation:

• From the point of injury or illness to the closest hospital, and
• From the first hospital to another hospital that is better equipped to treat your condition, and
• Transportation home either by commercial airline or private medical aircraft.

In addition, it includes the return of remains if a traveler dies during their trip.

Cruise Insurance 101 recommends all travelers leaving the US get at least $250,000 Emergency Medical Evacuation protection.

Sadly, Viking cruises travel insurance falls well short of this recommendation. They include only $100,000 for Medical Evacuation. Since the bulk of their river cruises sail in Europe, their coverage falls short to get a traveler back home.

More worrisome, Viking’s expedition cruises, which travel to very remote locations around the globe, would require even higher Medical Evacuation protection. For trips to the Arctic, Antarctic, Galapagos, and other distant places, we recommend you take at least $500,000 in Medical Evacuation, with $1 million being preferable. Viking’s minimal $100,000 Medical Evacuation amount may not get you back to dry land, much less a hospital in a city.

By contrast, the  Trawick First Class  provides $1 million of Medical Evacuation and is priced lower than the Viking Protection Plan.

Pre-existing Medical Conditions

Most  senior travelers  are concerned about whether  Pre-existing Medical Conditions  could interfere with their travel insurance coverage.

Fortunately, most policies do not look at your entire life’s medical history. Instead, they only concern themselves with the most recent 60-180 days.

They define a Pre-existing Medical Condition as one for which in the past 60-180 days you’ve received treatment, testing, medication change, new medication added, or the doctor recommended treatment or a test that has not occurred yet.

If you have a stable condition that’s been treated for years with medication, and that medication has not changed, and the condition has not worsened, then it would be covered by the policy since it’s older than 60-180 days. Often, people have nothing to worry about regarding conditions like high blood pressure or high cholesterol.

On the other hand, if you recently went to the doctor for treatment, test or medication change of a pre-existing condition, then these conditions may be excluded from coverage.

To make sure your travel insurance covers Pre-existing Conditions, look for a policy with a Waiver of Pre-existing Medical Conditions. This waiver allows the policy to cover your condition if you purchase it within 14-21 days of the Initial Trip Deposit or Payment.

Cruise Insurance 101 recommends travelers, especially seniors, purchase a travel insurance plan that covers Pre-existing Conditions.

The Viking Protection Plan offers the Waiver of Pre-existing Medical Conditions when you purchase the policy within 14 days of the Initial Deposit. Not all cruise lines provide this coverage, so we were pleased to see the Waiver from Viking.

Keep in mind, Viking isn’t the only insurance that offers a Waiver of Pre-existing Medical Conditions. Most policies available through  Cruise Insurance 101  offer a Waiver, including the Trawick First Class we’ve been discussing.

If you are purchasing the insurance outside of the required time period listed to get the pre-existing medical condition waiver, there are several policies – the Trawick Voyager and the IMG Travel LX , that will provide the waiver if you purchase the policy on or before your final trip payment.

Although Viking Cruises receives high accolades each year for their cruises, their travel insurance falls short of expectations for several reasons:

First, their plan is expensive, and has inadequate coverage the key area of Medical Evacuation, offering only $100,000 when we recommend at least $250,000.

Second, their Cancel For Any Reason waiver only gives you future credit toward cruises, not a cash refund.

Overall, we rate it a 7 out of 10.

Travelers planning a Viking River cruise vacation will find the best value for their money and peace of mind when they shop for travel insurance at Cruise Insurance 101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, Cruise Insurance 101 recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

If you are planning a Viking River cruise in 2022, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at  [email protected]  or alternatively call us at  +1(786) 751-2984 . We would love to hear from you.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Christianna was very professional and…

Christianna was very professional and friendly in answering my remaining questions after reading through the policy I had chosen. I chose an IMG plan with the Aardy Logo because Aardy worked with IMG to select the limits of insurance to match their recommendations when traveling internationally and opted to keep benefits within the policy they have learned travelers are typically looking for. It is only available on Aardy and Aardy-powered sites. I have reviewed so many travel insurance plans and found this one gave the coverage I was looking for at the best price.

When you need help they respond

I had chosen the wrong dates for my cruise insurance and the agent responded to my request for help the agent responded immediately.

Travel Insurance for a Cruise

The results display of multiple policies made the comparison very simple, together with ability to obtain an explanation on the phone from Amanda, a representative of the Client Service Team.

• Trawick International Travel Insurance Review

Trawick International Plans

• Trawick Travel Insurance Cost

Filing a Claim with Trawick Travel Insurance

Compare trawick travel insurance.

• Why You Should Trust Us

Trawick International Travel Insurance FAQs

Trawick travel insurance review 2024: a comprehensive overview.

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

If you're planning a trip, one of the most important things you can do is ensure you're protected if something goes wrong. That's where travel insurance comes in. Trawick International is among the best travel insurance companies with a variety of plans for different types of travelers, so you can find the coverage that's right for you. 

Here we'll look at the variety of plans Trawick offers, coverage amounts, costs, and how to file a claim. We'll also compare Trawick's most popular policies and other leading travel insurance providers' coverage.

Trawick International Travel Insurance Summary

Trawick International travel insurance is one of the most popular travel insurance companies on the market, earning spots on our guides on the best cheap travel insurance and the best CFAR travel insurance . 

Trawick offers a wide array of policies, so you're sure to find one that will fit your travel plans. Even if you can't find a plan that is one-to-one with your trip, one of Trawick's stand-out options is its Safe Travel Flex plan, which allows you to build your own insurance plan from scratch. It includes travel cancellation and interruption insurance in addition to travel assistance. Everything else is optional, from medical coverage to baggage delay. 

Trawick has received an average Trustpilot rating of 4.2 across nearly 500 reviews and 4.1 across over 3,100 SquareMouth reviews. Trawick reviews on its headquarters in Alabama are mixed, averaging 3.3 stars across nearly 350 reviews. Negative reviews cited a difficult claims process and unresponsive customer service.

Types of Plans Available

• Safe Travels Trip Protection: With 10 plans under this umbrella, Trawick Trip Protection is highly customizable. You can even build a plan from the ground up with Safe Travels Flex. It covers domestic and international trips for US residents.
• SafeTreker:  Trawick's plan for adventure sports travel, SafeTreker covers sports equipment rental, search and rescue, and non-medical evacuation for over 450 sports.
• Safe Travels USA:  Trawick offers four tiers of insurance for non-US citizens and non-US residents traveling in the USA, offering accident and sickness coverage, emergency medical evacuation, and unexpected recurrence of a pre-existing conditions (limitations apply). 
• Safe Travels International:  Trawick offers two plans for non-US citizens and non-US residents traveling outside the US, covering emergency medical procedures, emergency evacuation, and repatriation. 
• Safe Travels Outbound: This plan offers primary but temporary travel insurance for US citizens and residents traveling outside the US. It includes medical and emergency evacuation coverage, including COVID-related illnesses.
• Safe Travels Annual:  Trawick offers three multi-trip annual travel insurance plans that offers emergency medical, baggage delay, and trip delay coverage for trips up to 30 days long. Trip cancellation coverage spans between $2,500 to $10,000 per year.
• Safe Travels Vacation Rental Protection plan: This plan covers non-refundable expenses such as airfare, hotels, vacation rentals, and other pre-paid trip deposits. It's only available for US residents.
• Collegiate Care Essential plan: This plan is designed for students studying abroad for study and research purposes. It offers coverage for up to $300,000 in medical expenses, with a limit of $150,000 per injury or sickness. COVID-19 medical expenses are covered with the plan, as is coverage for sports activities.

Regardless of which policy you choose, it's vital to study each of them closely to see what is and isn't covered in the one you choose.

Key Features and Benefits

Trawick International travel insurance offers several plans for different types of travelers with different needs. The coverage levels and premiums will vary depending on the traveler's age, trip costs, and destination.

Below is a list of six travel insurance plans Trawick offers with its Trip Protection plan:

Additional Coverage Options

Trawick International travel insurance offers additional coverage options on specific plans. Some come with no extra charge. Others cost extra. And only some policies allow for these additional coverage options.

Additional coverage options include:

Rental car damage coverage:  It's possible to add this coverage to certain plans from Trawick, like its Safe Travels First plan. This coverage will reimburse damage to a rental car up to an allowed amount.

Pre-existing condition coverage:  Pre-existing condition waivers are available if you purchase travel insurance within seven to 21 days of booking your flight, depending on the policy.

CFAR coverage: "Cancel for any reason" coverage can only be added to Trawick's Armor, Journey, Voyager, First Class, Flex, and Rental Plus plans. This add-on allows travelers to cancel their trip, for any reason, up to two days before departure and get 75% of trip costs reimbursed. CFAR coverage is only available for US residents and US citizens.

How Much Does Trawick International Cost?

Getting a quote from Trawick is a straightforward process. You can visit its website or use an insurance comparison site like Squaremouth.

You must provide traveler and trip details like your date of birth, state of residence, destination, and trip costs. With this information, you should be able to get quotes for the different plans available almost instantly.

Below are a few real-world examples of coverage options and costs from Trawick as of April 2024.

For example, let's look at what it would cost to insure a 35-year-old resident of Ohio spending $8,000 on a two-week trip to France. Below are the costs for each of the six different coverage options.

The cost of coverage ranges from the bottom-tier Safe Travels Explorer plan at $257.04 to the top-tier Safe Travels First Class policy for $453.33. That equates to about 3% to 6% of the total trip cost, which is on the lower end when compared to the average cost of travel insurance .

Now let's look at the cost of coverage for a 55-year-old from Colorado traveling to Argentina and spending $6,000 on a three-week trip.

The premiums for this traveler are higher, but that's to be expected given their age. The lowest-cost Safe Travels First Class plan costs $243.23 and the top-tier Safe Travels Voyager costs $574.14. That represents a cost of between 4% and 9.5% of the total trip cost, higher than the previous example but still within industry averages.

Lastly, we'll look at the premium costs for a 45-year-old resident of Texas traveling to Fiji for two weeks and spending $7,000 on the trip.

The lowest cost plan in this scenario is the Safe Travels Explorer plan, which runs $284.28. And the most expensive is the Safe Travels First Class, at $405.54. You're paying between 4% and 5.8% of the total trip cost at these prices. Again, that's right on track with the averages in the travel insurance industry.

Trawick International travel insurance has several different claims departments and forms, so how you file a claim will vary depending on the coverage you purchase.

You can find claims forms and contact information on Trawick's claims forms page. That's where you'll find information regarding where to mail or email your claim form and contact information for the appropriate claims group.

Reviews on SquareMouth and Google say the claims process can take up to several months and require constant hassling. To avoid additional issues with the claims process, be sure to keep thorough documentation of any unexpected costs incurred during travel. Additionally, you should be as specific as possible when filing a claim.

See how Trawick stacks up against the competition. 

Trawick International vs. Allianz Travel Insurance

Allianz and Trawick International travel insurance are similar in offering several different coverage options.

Allianz offers 10 travel insurance plans, including one-off and multi-trip policies. So you'll have options whether you're looking to cover a specific trip or plan to take multiple trips a year. Of course, the different plans offer varying levels of coverage, and the premiums depend on the traveler and trip specifics.

Allianz's most popular single-trip travel insurance option, the OneTrip Prime plan, offers up to $100,000 in trip cancellation coverage, up to $150,000 in trip interruption coverage, $50,000 in emergency medical coverage, up to $1,000 in coverage for baggage loss, theft, or damage, and up to $800 in travel-delay coverage.

Trawick's most comparable plan is its Safe Travels Explorer Plus plan, which offers up to $100,000 in trip cancellation and interruption coverage, $50,000 in emergency medical coverage, up to $750 for personal effects, and trip delay coverage of $500.

The best way to decide which company to go with is to compare quotes using your specific trip details and personal information, as those are the details that will affect the cost the most.

Read our Allianz travel insurance review here.

Trawick International vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the most well-known and recognized insurance firms in the US. By providing just two single-trip options, the Essential and Prime plans, Nationwide travel insurance has made it simple to find coverage. Nationwide also offers yearly trip insurance for those who travel a lot throughout the year, as well as cruise-specific plans and annual trip insurance.

To compare the two companies, we'll put Nationwide's Essential plan beside Trawick International travel insurance's middle-of-the-road Safe Travels Single Trip plan.

Nationwide's Essential Plan provides up to $10,000 in trip cancellation coverage, up to $250,000 in emergency medical evacuation, up to $150 per day ($600 maximum) reimbursement for travel delays of six or more hours, and coverage for delayed or lost baggage.

In comparison, Trawick's Safe Travels Single Trip plan offers 100% of the insured trip (up to two times the trip cost) in trip cancellation coverage, $350,000 in emergency medical evacuation, and up to $200 per day ($600 maximum) for travel delays of 12 or more hours, and lost and delayed baggage coverage.

So, this particular plan from Trawick offers slightly higher coverage limits for most of the coverages compared.

The high-tier Prime Plan from Nationwide offers even more coverage, including up to $30,000 in trip cancellation, up to $1 million in coverage for emergency medical evacuation, up to 200% of the trip cost (maximum of $60,000) in trip interruption coverage, and $250 per day for trip delays of six or more hours.

To compare, Trawick's highest-tier Safe Travels Voyager plan comes with trip cancellation coverage of up to $100,000, up to $1 million in emergency medical evacuation, up to 150% of the insured trip cost for trip interruption, up to $2,000 maximum reimbursement for travel delays, and coverage for delayed or lost baggage.

Comparing these two policies, you see how it's somewhat of an apples-to-oranges comparison, as some coverage limits are higher or lower. And don't forget that the coverage premiums will vary depending on the traveler and trip specifics.

Read our Nationwide travel insurance review here.

Trawick International vs. Credit Card Travel Insurance Benefits

Be sure to compare the coverage of travel insurance plans with the coverage offered by your rewards credit cards before purchasing a travel insurance policy. Some basic coverage, like rental car insurance, could already be available through one of your existing cards.

If you're on a road trip and all your expenses are refundable, or if your health insurance covers you while abroad and you don't think you'll have many medical bills, the coverage from your credit card may be sufficient.

It's also worth noting that in most cases, credit card travel protection is only supplementary to a travel insurance policy. This implies you'll have to file your claim with the other relevant insurance (such as the airline) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed Trawick International

We compared Trawick International's travel insurance offerings to those of the best travel insurance companies to help you find the policy that fits your needs. When reviewing a policy, we considered coverage options and limits, what's included in your plan, add-ons available, and costs. The best policy for you is one that offers adequate coverage without breaking the bank.

Choosing the best policy for you and any co-travelers is about selecting a policy with the right type of coverage and adequate coverage limits. Ideally, you should ensure that it works well in your budget and allows you to submit a claim quickly. You can read more about  how we rate travel insurance products  here.

Trawick International travel insurance is a very popular and reputable travel insurance provider. The company has been in business since 1998 and is known for offering solid coverage options at affordable prices.

Trawick's policies included access to 24/7 travel assistance. Travelers can reach a customer service representative by phone, email, and live chat. Representatives can answer questions about the travel insurance and trip cancellation plans available, help purchase the right plan for an upcoming trip or cruise, and assist with changes to already purchased plans. The toll-free number is 888-301-9289. You can reach the company by email at [email protected] . Live chat is available on its website.

CFAR (cancel for any reason) is one of the many coverages buyers can expect in Trawick International plans. Always check individual plans to ensure you get all the coverages you want.

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

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travelers Auto Insurance Review 2024

Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.

Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.

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 .

Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers.

Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

• Received fewer customer complaints than expected for auto insurance.
• Lots of coverage options for auto insurance.
• One of the largest insurance providers in the nation.
• Customer satisfaction ratings are below average.
• Rideshare insurance not available in all states.

Travelers earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Travelers is one of the most enduring and well-known names in insurance. It’s among the nation’s largest providers of auto insurance policies and is available in most states. If you’re looking to work with an agent and buy multiple products from one provider, Travelers might be a good fit.

» MORE: The best car insurance companies

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

• Where Travelers stands out

Accident forgiveness. Qualifying drivers can choose from two accident forgiveness plans if they want to avoid having their rate increase after an at-fault accident. 

Coverage options. Travelers offers coverage that some insurers don’t, including gap insurance and premier new car replacement . Both of these coverage types come in handy if you total a relatively new vehicle. 

• Where Travelers falls short

Customer satisfaction . Although Travelers boasts few customer complaints, its customer satisfaction ratings are below average for both auto insurance shopping and claims, according to 2023 J.D. Power satisfaction studies.

• Compare to other insurers

Current Product

• How much does Travelers car insurance cost? 

Travelers car insurance costs $1,681 per year on average for full coverage insurance . That is almost $300 a year less than the average national annual rate of $1,982. Travelers’ rates are cheaper than most other companies we analyzed rates for, with only American Family , State Farm and USAA offering cheaper annual full coverage rates. Although USAA has cheaper rates on average than State Farm, it sells only to former and active military members and their families.

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and any additional insurance a state requires a driver to have. These rates are averages, and your own price will depend on your driving history, car make and model, location and other factors. 

For more information on Travelers car insurance rates, including rates after an at-fault accident or DUI, check out the drop down below.

If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.

• How Traveler's rates compare

Your car insurance rate is determined by a variety of factors, including your driving record and credit history in most states. California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Here are Travelers’ average annual auto insurance rates compared to 2024 national averages for full coverage insurance and four driving profiles.

• Travelers auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Beyond the standard coverage, Travelers offers additional auto insurance options:

Gap insurance protects your auto lease or loan. If your car is totaled before it’s paid off or the lease is up, Travelers pays the difference between your loan’s balance and the car’s value when it’s totaled.

Rideshare insurance is available in Illinois and Colorado for people who drive for companies like Uber or Lyft. Rideshare insurance covers you from the moment you turn on the rideshare app up until you pick up a passenger, then your rideshare company’s insurance is in effect. 

Premier New Car Replacement can benefit you if your car is totaled and is 5 years old or newer. This coverage pays to replace the car with a new one, once you pay any applicable deductibles, plus includes gap insurance to pay off any loan or lease balance when the car is totaled. If your car’s glass needs to be repaired, enrolling in this program means you could have a lower deductible.

Responsible Driver Plan forgives one accident and one minor violation over a specified period, so your rates won’t go up after a crash or ticket.

The Premier Responsible Driver Plan includes the above accident and violation forgiveness perks, as well as a decreasing deductible ($50 off for every six months accident-free, up to $500 off your deductible). If your car is totaled, your deductible is waived in this program.

Travelers also offers non-owner car insurance , which provides liability coverage for drivers who don’t own a car, but still regularly drive.

» MORE: Compare car insurance rates

• Auto insurance discounts

Travelers offers many ways to save on your car insurance, including discounts for:

Having multiple policies through Travelers.

Insuring more than one vehicle.

Home ownership, even if your house or condo is insured with a different company.

Safe driving.

Having no gaps in coverage.

Owning or leasing a hybrid car.

Insuring vehicles less than 3 years old.

Paying electronically, upfront or on time.

New customers who get quotes before their current policies expire.

Drivers in high school or college who maintain a “B” average or better.

Students who are away at school.

Completing a driver training course.

Being a member of certain organizations.

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance .

• Pricing based on tracked driving habits

IntelliDrive uses an app to track your driving speed, the time of day, phone use, and braking and acceleration habits for 90 days. It’s available in 42 states and Washington, D.C. At renewal, you can get a discount of up to 30% for good driving.

Travelers also offers IntelliDrivePlus, which provides a rate at each renewal period based on driving behavior that’s tracked throughout your entire policy term. It’s only available in Arkansas, Nebraska and Ohio.

Your rates could go up if you have risky driving habits (except in certain states) for both programs.

See what you could save on car insurance

• Complaints and customer satisfaction

Travelers had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

Travelers received an overall satisfaction score of 80 out of 100 from a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

However, Travelers ranked near the bottom of the pack for both shopping [0] J.D. Power . 2023 U.S. Insurance Shopping Study . View all sources and claims satisfaction [0] J.D. Power . 2023 U.S. Auto Insurance Claims Satisfaction Study . View all sources in J.D. Power’s 2023 auto insurance satisfaction studies.

• More about Travelers auto insurance

Website: Travelers’ login portal lets you access all of your insurance information, pay bills, track claims and more. Elsewhere on the website, you can find an agent, get a quote and read advice on topics such as driving in icy conditions and preventing house fires.

App: You can pay bills, file a claim, call for roadside assistance and view policy documents with Travelers’ mobile app, available for iOS and Android.

• Homeowners and renters insurance from Travelers

Travelers offers homeowners insurance with all of the standard coverage options, plus additional features you can buy. To learn more, see NerdWallet’s Travelers home insurance review .

The company also offers policies for those who don’t own their own homes. See our Travelers renters insurance review .

• Other insurance from Travelers

Travelers offers these additional insurance policies:

Boat and yacht.

Commercial auto.

Wedding and event.

Travelers sells the following types of insurance through third parties:

Motorcycle, through Dairyland .

Pet, through ASPCA .

You can report a claim through the Travelers website or app, though the company recommends calling if anyone was injured in the accident or there’s significant property damage.

You can get a quote on the Travelers website, call the company directly or work with a local agent.

Yes, but only in Colorado and Illinois. For other options, see NerdWallet’s guide to rideshare insurance .

You can reach Travelers customer service 24/7 at 866-336-2077. Travelers also offers direct phone numbers to various departments depending on what you need help with, including help with roadside assistance, policy questions and technical issues.

Travelers offers auto insurance policies in all states except Alaska, Hawaii, West Virginia, Louisiana, Michigan, South Dakota, North Dakota, Wyoming. Travelers also sells car insurance in Washington, D.C.

Yes, but only in Colorado and Illinois. For other options, see NerdWallet’s guide to

rideshare insurance

• Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance .

2024 auto insurance survey methodology

The opt-in survey of 7,514 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2023. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.

Only brands with 100 or more qualifying respondents are reported. Of those respondents: 301 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 140 were USAA customers, 125 were AAA customers, 105 were Liberty Mutual customers, 103 were American Family customers, 104 were Farmers customers, 104 were Travelers customers and 104 were Nationwide customers.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 bodily injury liability coverage per crash.

$50,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist bodily injury coverage per crash.

Collision coverage with $1,000 deductible.Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

For drivers with a DUI, we added a single drunken-driving violation.

We used a 2020 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

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Viking Cruises Travel Insurance - 2024 Review

Viking cruises travel insurance.

• Strong insurance partner
• Good Medical Insurance
• Cancel for Any Reason
• Pre-existing Condition Waiver
• Cancel for Any Reason pays expiring future credit not Cash
• Low Medical Evacuation Coverage
• No Cancel For Work Reason Coverage
• No Interrupt For Any Reason Coverage

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Viking Cruises is a leader in luxury river and ocean cruises. Viking also sails expedition ships to remote areas of the world such as the Arctic and Antarctic.

In this review, we’ll detail Viking’s Travel Protection Plan coverage and cost versus comprehensive trip insurance options available on the wider market.

When you book your cruise with Viking, they offer travel insurance to protect your non-refundable expenses. The Viking Cruise Travel Protection Plan includes Cancellation, Interruption, Medical Insurance, Medical Evacuation,  Baggage Insurance , Travel Delay and several other benefits.

The policy is underwritten by the United States Fire company, which also underwrites policies for companies TripInsure101 partners with.

If you book your Viking cruise through Viking’s website, you have an opportunity to opt-in or opt-out of insurance during the checkout process. However, if you prefer to shop around, simply opt-out. You have plenty of time to check prices before Viking closes insurance enrollment.

Of course, when you buy a travel insurance plan on the wider marketplace, you can buy travel insurance anytime until the day before departure. However, we recommend buying it early so it includes coverage for Pre-existing Medical Conditions. More about this later.

Our Cruise: Waterways of the Tsars

Our chosen cruise is the 13-day Waterways of the Tsars River cruise for two travelers, ages 55 and 60.  The tour starts in Moscow and leisurly cruises along the Volga River to St. Peterburg.

We also had several pre-cruise options available: two nights in St Petersburg for $499 per person or three nights in Helsinki for $999 per person. An additional option to spend two nights in Moscow post-cruise for $599 per person is also available. We’ve opted not to include these additions.

After choosing our stateroom, the total cost of the trip is $14,798 for our travelers.

Viking has a nice addon to include airfare in the total trip cost if you choose. Airfare from 150 US cities can be included so you don’t need to shop for airfare.

Economy tickets from your airport of choice are included free. Premium economy seats or business class seats are also available for an additional price. For our trip, we chose Premium Economy airfare from Chicago’s O’Hare airport for an additional $799 per person. Had we chosen business class, it would have added $3499 per person to the trip cost.

Viking Travel Protection

After choosing or declining airfare, the last set of options we have before checkout is deciding whether to take Viking’s Travel Protection Plan insurance. This plan with Viking, offers travel insurance to protect your non-refundable expenses. The Viking Cruise Travel Protection Plan includes Cancellation, Interruption, Medical Insurance, Medical Evacuation, Baggage Insurance, Travel Delay, and several other benefits.

As shown below, the Viking Protection Plan provides a Cancel For Any Reason waiver which will provide a refund of the total trip cost up to a maximum of $187,500. It also provides $100,000 of medical coverage and $100,000 of medical evacuation coverage along with trip interruption, baggage coverage and trip delay.

Including or declining airfare will change the amount charged for the insurance if it is selected. Declining airfare or choosing the free economy airfare, the Travel Protection Insurance is $719 per person.

Choosing Premium Economy airfare increases the insurance to $819 per person (See below).

Finally, choosing Business Class airfare increases the insurance to $919 per person (see below).

As we’ve chosen the Premium Economy seating, making our insurance selection $819 per person for a total of $1638 if we choose to add it. Can we find comparable or better travel insurance for a lower cost? Let’s find out.

Comparison Quotes

When shopping for trip insurance, many travelers aren’t sure where to start. We always recommend travelers leaving the US acquire at least:

• $100,000 medical insurance, and
• $250,000 emergency medical evacuation, and
• a Waiver of Pre-existing Medical Conditions.

These levels ensure you’re covered for most medical emergencies overseas.

Next, we compare Viking Cruises travel insurance with two policies available on  TripInsure101  Travel Insurance Marketplace for our trip cost of $14,798

The least expensive plan that provides at least $100,000 in Medical Insurance , $250,000 in Medical Evacuation  and includes a  Waiver of Pre-existing Medical Condition is the Trawick First Class for $840.07 for both travelers together.

This plan has $150,000 of medical coverage, which is $50,000 MORE than the Viking policy and $1 million of medical evacuation, which is $900,000 MORE than Viking provides. It is also $597.93 LESS than the Viking Protection Plan. However, one thing the Trawick plan does not have included is a Cancel for Any Reason option added to it. So, let’s look at a version that does.

Let’s consider  Trawick First Class (CFAR 75%), because it’s the least expensive plan that includes  Cancel For Any Reason . This version of the plan would most closely match the coverages for the Viking Protection Plan. The Trawick First Class (CFAR75%) is the same policy as before but adds the Cancel For Any Reason option.

Let’s look at these three policies side-by-side:

Price and Value

First, you can see that Viking cruise travel insurance ($1,638) costs nearly double the standard Trawick First Class policy ($840.07). While Trawick provides $1 million for medical evacuation, Viking’s medical evacuation is only $100,000, which is less than half of what we recommend for this coverage. Low Medical Evacuation coverage can leave you with a large out-of-pocket expense if a medical emergency requires an airlift back home.

Also, notice that Viking’s “cancel for any reason” grants a future credit, not a cash refund. The vouchers expire in 12 months if you don’t use them. By contrast, the Trawick First Class (CFAR 75%) pays a cash refund. If you spent over $14,000 on a trip and only get future credit, that’s a lot of money to sacrifice to vouchers (which only last a year).

For the price, the Viking Cruises’ travel protection plan offers disappointing value.

Trip Cancellation

When you buy travel insurance through a Travel Insurance Marketplace like TripInsure101 or directly from the insurer, all benefits listed in the policy are provided by the insurance company.

For Viking cruise trip insurance, Viking, not the insurance company, pays for the  Trip Cancellation  benefit. In fact, many cruise lines that offer a Cancel For Any Reason waiver pay for the Trip Cancellation section themselves.

Of course, all other benefits such as  Medical Insurance , Baggage and the rest are reimbursed by the insurance company, not Viking.

Travel insurance with Trip Cancellation protects your investment in case you must cancel unexpectedly. Every policy has a list of reasons that are covered for a 100% refund if you must cancel.

Viking cruise travel insurance provides a typical list of cancellation reasons found in most travel insurance plans:

• A Sickness, Injury, or death of You, a Family Member, or a person booked with You on the Trip which with respect to any such Sickness or Injury, requires examination and/or treatment by a Physician at the time you cancel Your Trip. The treating physician must certify that the Sickness or Injury will prevent You from taking Your Trip.
• You or a person booked with You on the Trip are quarantined, selected for jury duty, or receive a valid court order to appear as a witness in a third-party legal action (which jury duty or court appearance would be during the time of the Trip), and such impediment to travel remains at the time You cancel Your Trip.
• Your home or the home of a person booked with You on the Trip, or the destination accommodations specified for Your Trip, are made uninhabitable by natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard) and are reasonably expected to remain uninhabitable during the time of the Trip.
• Your place of employment or the place of employment of a person booked with You on the Trip is damaged due to a natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard), requiring You or that traveling companion to remain at work instead of participating in the Trip as a result.
• A documented theft of Your passport(s) or visa(s) which is/are not recovered prior to the time that you cancel Your Trip.
• A job transfer (other than a temporary assignment) at Your primary place of employment of 250 miles or more.
• Your documented involvement in a traffic accident while en route to join the Trip which reasonably causes You to miss the Trip departure.
• Unannounced organized labor strike, inclement weather, or mechanical breakdown which delays, for 12 hours or more, the aircraft on which You are scheduled to travel for (or to) the Trip.
• A shutdown of an airport or the air traffic control system which is reasonably expected to prevent you from departing on the Trip.
• You or a person booked with You on the Trip is either (a) called to emergency military duty following a natural disaster (such as a flood, hurricane, tornado, earthquake, fire, or blizzard); or (b) has a previously granted military leave or re-assignment revoked, and either such impediment to travel as described in subparts (a) and (b) remains at the time that You cancel Your Trip.
• You are terminated or laid off Your job by Your employer for whom You have worked for at least one continuous year, and You are unemployed as of the time that You cancel Your Trip.
• Within 30 days of the scheduled Trip departure date, an act of terrorism occurs in a city that is part of the itinerary for Your Trip, and it is deemed a terrorist incident by the United States Government or by the authorities in the country where the act(s) occurred.

If you cancel for any of the reasons listed above, Viking compensates you, not the insurance company.

Of course, Trip Cancellation reimbursement only applies to the money you spent with Viking. If you bought airfare, hotels or excursions through a 3rd party, Viking’s travel insurance leaves you exposed for those losses.

If you must cancel your trip for a reason that’s not covered by the policy, Viking offers credit toward a future cruise, but it must be used within 12 months and may not be used for the initial deposit. Viking calls this feature a “Cancel For Any Reason” Waiver.

You can easily cover all travel arrangements, like cruise fare, airfare, hotels, transfer, excursions, and rental cars with a single policy through TripInsure101 . This strategy is much easier to manage and saves you money.

Cancel For Any Reason

As mentioned previously, Viking pays a cash reimbursement if you cancel your trip due to a covered reason.

If you cancel the cruise for any other reason, Viking only offers future credit or vouchers. In fact, cruise lines and tour agencies are notorious for offering future credit instead of cash refunds. Lack of cash refund puts some travelers in a difficult financial position, sometimes when they need money the most.

Cancel For Any Reason travel insurance policies available on TripInsure101 do not provide future credit. They will refund in cash.

If you must cancel your trip, cash is the most useful tool. Although Viking calls their feature Cancel For Any Reason, in practice, it’s more like “Postpone For Any Reason.”

Here’s how Viking’s “Cancel For Any Reason” Waiver works:

• The policy must be purchased within 14 days of the initial trip deposit or payment, and
• The “Cancel For Any Reason” Waiver does not become effective until you make full payment for the cruise vacation, and
• The waiver does not cover fees or costs associated with any transportation, accommodations, or other travel services that are not arranged by Viking, and
• If you have other travel insurance, the waiver will be reduced by the amount of any Trip Cancellation amounts paid or payable under any other travel insurance or travel protection plan providing Trip Cancellation benefits.

Then, travel vouchers are subject to the following limitations:

• Viking Cruises travel vouchers may only be used when purchasing transportation, accommodations, or travel services from Viking Cruises, and
• Must be redeemed within 12 months of the date of issue, and
• Such travel vouchers are non-refundable and non-transferable, and
• Will only be issued in the name of the person(s) for whom the Trip were cancelled, and
• Are not redeemable for cash, and
• Viking Cruises travel vouchers may not be used as a credit toward the initial deposit for a future Trip booked through Viking Cruises, or to purchase another Viking Cruises Travel Protection Plan, and
• The value of such travel vouchers will not be reimbursable under the Waiver of any future Viking Cruises Travel Protection Plan that you may purchase.

If that sounds restrictive, it is.

There are a lot of rules about how and when Viking allows you to receive and use your future credit vouchers.

On the other hand, policies available through  TripInsure101 with the Cancel For Any Reason benefit and are much simpler to understand.

Here’s how they work:

• If you cancel for a reason other than those covered by the policy, you receive 50% or 75% (depending on policy) of your Trip Cost reimbursed in Cash
• Must purchase the policy within 10 - 21 days (depending on policy) of your Initial Trip Payment, and increase your policy coverage within 20 days of any subsequent payments
• Must cover 100% of all trip costs by the policy
• Must cancel the trip 48 hours or more prior to your Departure Date.

That’s all there is to it. Not complicated.

Trip Interruption

Trip Interruption  works the same way as Trip Cancellation but occurs when you’re already on your trip.

For example, if you got news from back home that a family member was suddenly hospitalized with a critical illness, you can return home early. The insurance reimburses you for the unused portion of the trip, plus the extra cost of going home early.

Viking Cruises travel insurance covers more reasons for Trip Interruption than for Trip Cancellation.

Covered Interruptions include:

• Covered sickness, injury or death of you, a family member, traveling companion or business partner that occurs during the trip
• Being hijacked, quarantined, required to serve on a jury, or subpoena
• Primary place of residence or destination being rendered uninhabitable by fire, flood, burglary, or other natural disaster
• Documented theft of passports or visas
• Permanent transfer of employment of 250 miles or more
• Being directly involved in a traffic accident on the way to departure
• Unannounced strike of common carrier
• Inclement weather
• Mechanical breakdown of common carrier
• Government-mandated shutdown of an airport or air traffic control system
• Traveler is in the military and called to emergency duty for a national disaster other than war
• Involuntary employer termination or layoff
• Revocation of previously granted military leave or reassignment due to war
• Your family or friends living abroad with whom you are planning to stay are unable to provide accommodations due to life-threatening illness/injury or death of one of them
• Victim of felonious assault
• Trip is delayed and causes you to lose 50% or more of the scheduled trip duration

Viking cruise trip insurance provides a respectable list of covered interruption reasons. Interestingly, they offer more covered reasons for Trip Interruption than for Trip Cancellation. But it’s not surprising since the insurance company pays for the Interruption, not Viking, who pays for the Cancellation.

Medical Insurance

While most travelers are concerned with losing their investment in the trip, many overlook the importance of  Medical Insurance.

A trip cost of $5,000 or $25,000 is a significant purchase. But if a medical emergency occurs during your trip, a hospital bill of $100,000 is a far more devastating loss.

Because medical treatment is expensive everywhere in the world, we recommend all travelers leaving the US to purchase at least $100,000 Medical Insurance.

Some travelers assume  Medicare  covers them outside the US, but, unfortunately, this is not the case. Medicare does not pay any international providers.

Although some Medicare supplement policies include a $50,000 emergency health insurance, it comes with some restrictions. The benefit is a lifetime limit, not a per trip limit.

In addition, Medicare supplement policies require you to pay a 20% out-of-pocket co-insurance (up to $10,000 of your money). If your primary insurance at home is Medicare and a Medicare supplement, it makes sense to get additional coverage.

Another common misconception is that health care is free in other countries. That’s only half true.

Countries that offer universal health care only provide it to their residents. They pay taxes to fund their national health care program and provide free care at public hospitals. On the other hand, traveling Americans are sent to private hospitals for treatment where you must pay the full price out of pocket.

If you receive treatment at a private medical center, you can expect $3,000 to $4,000 or more for inpatient fees per night, plus additional costs for medicine, tests, treatments, or surgeries. After you worked hard to save for retirement, would you want to risk losing your nest egg to foreign medical care?

One last situation worth noting is that the US State Department does not provide any financial support for medical treatment. Nor do they pay for medical evacuation to bring you home.

This myriad of circumstances is why  TripInsure101 recommends each traveler take at least $100,000 Medical Insurance when leaving the US .

Looking at Viking Cruise medical insurance, they provide our minimum recommended amount of $100,000 for medical coverage. Very few cruise lines provide such a generous benefit.

If you prefer Medical Insurance with a higher limit, several policies found on TripInsure101 have coverage of $150,000, $250,000, and even $500,000.

Emergency Medical Evacuation

Medical Evacuation  insurance is the follow on to Medical Insurance. Together, these two benefits provide comprehensive coverage in a medical emergency.

People often dismiss the importance of Medical Evacuation insurance.

Suppose you are healthy and not taking any medication. While on your cruise, you start feeling bad and the crew thinks you are having a stroke. They rush you to the nearest hospital and the doctor confirms a stroke after completing multiple tests.

The doctor says you are stable enough to travel, but not well enough to take a commercial flight home. She orders air transportation home on a medical jet because you’re still at risk and require medical personnel to oversee your vitals.

Medical air transportation can cost $15,000 to $25,000 per flight hour and it’s a 10-hour flight home.. Who will pay for the flight? Your personal health insurance does not cover Medical Evacuation.

But travel insurance does!

Medical Evacuation provides transportation:

• From the point of injury or illness to the closest hospital, and
• From the first hospital to another hospital that is better equipped to treat your condition, and
• Transportation home either by commercial airline or private medical aircraft.

In addition, it includes the return of remains if a traveler dies during their trip.

TripInsure101   recommends all travelers leaving the US get at least $250,000 Emergency Medical Evacuation protection.

Sadly, Viking cruises travel insurance falls well short of this recommendation. They include only $100,000 for Medical Evacuation. Since the bulk of their river cruises sail in Europe, their coverage falls short to get a traveler back home.

More worrisome, Viking’s expedition cruises, which travel to very remote locations around the globe, would require even higher Medical Evacuation protection. For trips to the Arctic, Antarctic, Galapagos, and other distant places, we recommend you take at least $500,000 in Medical Evacuation, with $1 million being preferable. Viking’s minimal $100,000 Medical Evacuation amount may not get you back to dry land, much less a hospital in a city.

By contrast, the  Trawick First Class  provides $1 million of Medical Evacuation and is priced lower than the Viking Protection Plan.

Pre-existing Medical Conditions

Most  senior travelers  are concerned about whether  Pre-existing Medical Conditions  could interfere with their travel insurance coverage.

Fortunately, most policies do not look at your entire life’s medical history. Instead, they only concern themselves with the most recent 60-180 days.

They define a Pre-existing Medical Condition as one for which in the past 60-180 days you’ve received treatment, testing, medication change, new medication added, or the doctor recommended treatment or a test that has not occurred yet.

If you have a stable condition that’s been treated for years with medication, and that medication has not changed, and the condition has not worsened, then it would be covered by the policy since it’s older than 60-180 days. Often, people have nothing to worry about regarding conditions like high blood pressure or high cholesterol.

On the other hand, if you recently went to the doctor for treatment, test or medication change of a pre-existing condition, then these conditions may be excluded from coverage.

To make sure your travel insurance covers Pre-existing Conditions, look for a policy with a Waiver of Pre-existing Medical Conditions. This waiver allows the policy to cover your condition if you purchase it within 14-21 days of the Initial Trip Deposit or Payment.

TripInsure101   recommends travelers, especially seniors, purchase a travel insurance plan that covers Pre-existing Conditions.

The Viking Protection Plan offers the Waiver of Pre-existing Medical Conditions when you purchase the policy within 14 days of the Initial Deposit. Not all cruise lines provide this coverage, so we were pleased to see the Waiver from Viking.

Keep in mind, Viking isn’t the only insurance that offers a Waiver of Pre-existing Medical Conditions. Most policies available through  TripInsure101  offer a Waiver, including the Trawick First Class we’ve been discussing.

If you are purchasing the insurance outside of the required time period listed to get the pre-existing medical condition waiver, there are several policies – the Trawick Voyager and the IMG Travel LX , that will provide the waiver if you purchase the policy on or before your final trip payment.

Although Viking Cruises receives high accolades each year for their cruises, their travel insurance falls short of expectations for several reasons:

First, their plan is expensive, and has inadequate coverage the key area of Medical Evacuation, offering only $100,000 when we recommend at least $250,000.

Second, their Cancel For Any Reason waiver only gives you future credit toward cruises, not a cash refund.

Overall, we rate it a 7 out of 10.

Travelers planning a Viking River cruise vacation will find the best value for their money and peace of mind when they shop for travel insurance at TripInsure101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, TripInsure101 recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

If you are planning a Viking River cruise in 2022, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at  [email protected]  or alternatively call us at  +1(650) 397-6592 . We would love to hear from you.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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• Cruise/Travel Insurance

Travel insurance for a Viking cruise?

By aburnett , October 23, 2019 in Cruise/Travel Insurance

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Does the travel insurance differ for different cruise lines? If we book a Viking cruise, should we look for a certain travel insurance or are they applicable to all cruise lines? Thanks!

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2 hours ago, aburnett said: Does the travel insurance differ for different cruise lines? If we book a Viking cruise, should we look for a certain travel insurance or are they applicable to all cruise lines? Thanks! Ann

Any travel insurance plan that covers your per person prepaid, non-refundable trip costs will cover your costs for Viking or any other travel supplier.

If you are talking about purchasing the policies offered by the cruise line, yes. Each offers a policy unique to them with specific terms.    

If you are talking about purchasing independent third-party insurance, each insurance company offers a number of policies with varying coverage, but they are not limited to a single cruise line.

Forgive me if my assumption is incorrect, but it seems that you may not have much experience with travel insurance. Your question is really broad, and there is a lot to consider in getting the right coverage. Do you need to consider pre-existing conditions? Cancel for any reason? Coverage for additional expenses such as hotels, airfare, or independent excursions?  Does age make the policy more expensive? Sorting it all out can be time consuming and a little overwhelming. You can buy a policy from Viking or you can get a third party policy. Whatever you decide, read the policy and ask for clarification when necessary. That way you can minimize the chance of a nasty surprise if you have to file a claim.

I suggest you call an agent at the trip insurance store or insure my trip. Explain your situation to them, and let them help you find the best policy.

47 minutes ago, Babr said: I suggest you call an agent at the trip insurance store or insure my trip. Explain your situation to them, and let them help you find the best policy.

This is always the best approach.  See what they come up with and then compare it to the Viking plan.

The big advantage of a third party plan over the Viking plan is it will cover items not purchased through Viking.  It will also probably be for a (potentially much) lower premium, but you need to do the comparison.

As far as coverage, Viking does have some of the best cruise line insurance that I have seen.  If you will purchase just about all of your pre-paid non-refundable trip costs from Viking and the premium is not out of line with third party insurance it is certainly worth a look.  Here are some features of Viking's UF425V plan.  I believe this is current, but check to be sure.

• $100K medical and $250K med evacuation.  Significantly better than any other cruise line I have seen.
• 100% trip cancellation and 150% trip interruption benefits for covered reasons.  Other cruise lines usually offer only 100% interruption. 
• Cancellation for any reason (CRAR) coverage as a 100% Viking credit.  12 month time limit. Seems to cover everything purchased through Viking, not just the cruise fare.
• Offers a waiver of pre-existing conditions if purchased within 14 days of initial trip payment. 60 day look back period if purchased later.
• Medical coverage is secondary.
• Reasonably good coverage for baggage and trip delay.

Good luck and let us know what you decide to do.

PS:  I have read that Viking insurance is expensive, but I have not priced it.

2 hours ago, Babr said: If you are talking about purchasing the policies offered by the cruise line, yes. Each offers a policy unique to them with specific terms.     If you are talking about purchasing independent third-party insurance, each insurance company offers a number of policies with varying coverage, but they are not limited to a single cruise line.   Forgive me if my assumption is incorrect, but it seems that you may not have much experience with travel insurance. Your question is really broad, and there is a lot to consider in getting the right coverage. Do you need to consider pre-existing conditions? Cancel for any reason? Coverage for additional expenses such as hotels, airfare, or independent excursions?  Does age make the policy more expensive? Sorting it all out can be time consuming and a little overwhelming. You can buy a policy from Viking or you can get a third party policy. Whatever you decide, read the policy and ask for clarification when necessary. That way you can minimize the chance of a nasty surprise if you have to file a claim.   I suggest you call an agent at the trip insurance store or insure my trip. Explain your situation to them, and let them help you find the best policy.

Thank you for your response! We have cruised several times but always just took the insurance offered by the cruise line. We are looking to book a Viking river/ocean combo and the insurance is really costly so I thought I'd investigate. I also read about pre-existing conditions, which seem to be confusing. So it does seem the best approach is to talk to an insurance agent to get questions answered. Thank you very much!

Just to be sure - the trip insurance store and insure my trip are the names of websites for travel insurance brokers, and you’ll find contact information there. You can call and talk to someone who can help you. Ordinary insurance agencies don’t sell travel insurance.   

A third party policy may not be less expensive. All things being equal, age of the travelers will increase the cost of the third party whereas the cruise line policy is the same for all regardless of age. Compare the coverage limits for medical and evacuation since you’ll be traveling overseas. 

Good information. My husband is 77 , will be 78 when we travel and it may be that the cruise line insurance may work best. I will look at those websites. I just thought I should look into it! Thanks! 

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