aarp recommended travel medical insurance

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9 Best Travel Insurance Companies of April 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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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

How Anyone Can Use AARP to Save on Travel, Even If You Aren't Retired

Margaret Littman

April 4, 2024

In the spring of 2022, it seemed like everyone was hopping on a plane. (Others called it “revenge travel.” I just called it “happy to be out of the house.”) A friend whom I hadn’t seen since before the pandemic and I decided to spend a weekend in Charleston. We wanted to eat our way through the city, see the ocean, take some architecture tours, and catch up and hang out.

Everyone else had the same idea at the same time. Azaleas were in bloom. Rental cars were scarce, and hotels were overbooked. After being surprised by rates that were out of our budget, I logged in to AARP’s Travel Center and found a deal at Emeline, a design-forward boutique hotel in Charleston’s historic district. I snagged a car rental, too. They were both such a bargain, I double-checked that they were for real. 

I hesitated to tell my friend how I booked the room—I didn’t want her to think we were “old,” by getting help from AARP. But she couldn’t deny it: Our South Carolina getaway weekend was saved.

What is AARP? 

In the late 1940s, a retired school principal named Ethel Percy Andrus (in fact, the first female high school principal in California) saw that her peers needed health insurance. Medicare didn’t kick in until age 65, and those who retired before that age had few health insurance options and small pensions to pay for healthcare out of pocket. She started advocating for them, reaching out to insurance companies to see who would cover these retirees as a group during the pre-Medicare gap.

She was successful, and eventually, in 1958, the organization she founded became the American Association of Retired Persons (AARP). The organization has gone through many changes since then. Now, the acronym stands alone as its name as the group’s scope has broadened. But Andrus’s vision of an advocate for senior citizens remains. 

Today, AARP is a non-partisan 501(c) (4) non-profit. It advocates for people over the age of 50 on topics such as Medicare and Social Security and has lobbyists who raise those issues in Washington, DC.  State offices disseminate local information on health, safety, and politics. In addition, AARP shares information with its members through events, a magazine, an app, its website, and newsletters, covering everything from retirement planning to choosing a new puppy, and even provides entertainment, such as free movie screenings. 

Who can join AARP? 

AARP has more than 38 million members. Anyone ages 18 and older can join, although the organization is focused on peopl ages 50 and older. One way you’ll know that your 50 th birthday is imminent is you’ll get a red and white membership solicitation in the mail. 

While anyone can join, those between the ages of 18 and 50 may not be eligible for all the discounts offered (such as those relating to insurance and others with third-party requirements). Those under 50 do not receive  AARP magazine .

How much is AARP membership? 

To welcome you into the fold, annual membership is $12 for the first year (if you sign up for automatic renewal) and $16 a year after that. Lower rates are available if you choose a longer period: $43 for three years or $63 for five years. Black Friday and other specials occasionally lower the price further. Military service members and veterans are eligible for a 43% discount.

Members ages 50 and older are eligible for a free secondary membership for any other adult in their house.

AARP travel benefits and discounts

AARP members receive a host of different benefits and discounts, from small savings on retail gift cards to health insurance to resume services, cell phone services, and online games. All of those benefits are separate from AARP travel perks , which are offered on a separate travel center website (with a separate log-in) administered by Expedia. 

Many of the discounts and offerings change frequently, so it is worth checking back often, particularly if you are planning a big-ticket trip. While most of the travel partners stay consistent, the rates of discounts vary based on peak periods and availability, just like all travel deals. Some discounts are flagged with expiration dates, such as British Airways, but for the most part, those are renewed from year to year. There are no guarantees in life or in travel, though, so if you see a great deal that works for you, book it!

Some of the discounts are similar to modest deals you can get with AAA and other memberships or by searching various online sites. It is handy to have it all in one place, and the perks for packages (for booking hotel, car, and flights at the same time) are unusual. Typically, lower AARP rates cannot be combined with other discounts, so you won’t stack multiple discounts to snag a free trip. The website allows you to search for last-minute deals, finding even lower discounts (often an additional 10%) for trips within the next two weeks.

In addition to the cents off, AARP is an advocate for its members, so if there is a problem with a booking, you can get a live person to sort things out. A dedicated phone number, 800-675-4318, connects members to the Travel Center. When I needed to change my South Carolina car rental to a one-way trip so I could add a roadtrip to Greenville, it was an easy modification.

Once you get where you are going, you may also find AARP discounts on tickets for shows through Ticketmaster, as well as discounted gift cards and meals at some chain restaurants. 

Best Western Hotels and Resorts

Best Western hotels and their related brands—including BW Premier Collection, Executive Residency by Best Western, Glo, SureStay Collection by Best Western, SureStay Hotel by Best Western, and Vib—offer 5% or more off the best available room rate. These brands include more than 4,000 hotels. AARP members who are also Best Western Rewards members 10% more bonus points on each stay.

Choice Hotels

AARP members receive a 10% discount at brands under the Choice brand umbrella, including Ascend Hotel Collection, Cambria Hotels, Clarion, Country Inn and Suites by Radisson, Econo Lodge, Quality Inn, Radisson, Radisson Blu ,  Rodeway Inn, Sleep Inn, and others.

Hilton Hotels & Resorts

Nab up to 10% off rooms at this collection of brands, including Conrad Hotels & Resorts, Curio Collection by Hilton, DoubleTree by Hilton, Embassy Suites by Hilton, Hilton Garden Inn, Tru by Hilton, and Waldorf Astoria. In addition to the discounted rate, members can request lake checkout until 2pm at no additional fee. AARP members who are Hilton Honors members earn points as usual on the discounted room, which is not always the case when booking through a third-party site.

AARP members can save 10% off the best available rate at the chain that claims to “leave a light on for you.” Request a late check out until 2pm at no additional fee.

Red Roof Inn

Save 10% off the best available room rate with an AARP membership Red Roof Inn, Red Roof PLUS+, Hometowne Studios by Red Roof, and The Red Collection .  Members also receive one free bottle of water per room at check-in.

Wyndham Hotels and Resorts

Brands under the Wyndham umbrella—including AmericInn, Baymont, Days Inn, Howard Johnson, La Quinta, Microtel, Ramada, Super 8, Travelodge, Wyndham, and others—offer 10% discounts to AARP members.

All Resort Store

Find discounts of 10%-25% off on all-inclusive resort packages. Booking online requires setting up an account with All Resort Store.

Car Rentals

Avis and budget.

These car rental companies offer 30% off the base rate plus a number of other benefits, such as free upgrades, discount credits on future rentals, and additional drivers at no extra cost. An additional $15 off is available for three-day rentals that are paid in advance. In my experience, they also may have cars available through the Travel Center when direct booking flags locations as sold out.

AARP members receive 5% of the off of base rates, plus a free upgrade.

AARP members can choose car sharing, rather than traditional rentals, with $20 off an annual Zipcar membership.

Airport parking

Park Ride Fly offers 12% off parking reservations at 50 different locations across the country. Most reservations include airport shuttles and luggage assistance. 

Trains, tours, and cruises

Collette Cruise Tours

Receive $50 - $100 off per person on river cruises in China, Egypt, and Norway.

Grand European Travel 

AARP members are eligible for up to $100 off per person on luxury river cruises in Europe, Egypt, and Asia.

Holland American Line

AARP Members who book Princess Cruises, Holland America, and Celebrity Cruises will find limited-time discounted offers on specific routes for specific dates. In addition, AARP members receive a $200 onboard credit.

Hurtigruten Expeditions 

The cruise line offers 5% off cruises plus a €100 per-person onboard credit to AARP members and non-members who book with the member. Hurtigruten discounts and offers are stackable.

Vacation By Rail 

Snag 5% off on more than 40 rail and cruise combination trips to National Parks, Alaska, Canada, and elsewhere in the U.S.

Through a partnership with AARDY, a travel insurance marketplace, members can compare discounted rates on different travel insurance policies in the U.S.

AARP members receive 20% off memberships to Medijet, which provides hospital-of-choice medical transfers when you are 150 miles or more from home. Services include transport and evacuation services.

Flight and vacation packages through British Airways

Book a flight on British Airways and receive $65 off a round-trip economy flight (not applicable to basic economy rates) or $200 off a round-trip business class ticket.

Most deals Going finds are bookable directly on the airline. So, when Going sends you an alert about a deal on British Airways, you can save a little bit more by booking directly with British Airways to get that AARP discount. 

It also pays to plan ahead. Members who purchase everything all at the same time, be that a flight and a hotel room, a flight, and a car rental, or all three together, receive a $50 gift card to select merchants.

Passport and visa services

AARP members can purchase passport renewal bundles that include shipping and government fees. Special pricing and expedited services through Rush My Passport are available for all passport types, including renewals, name changes, passport cards, travel visas, and other services. This is handy if you need to expedite processing for an upcoming trip. This benefit also applies to members' family members. 

How AARP discounts work

Most of the travel discounts are accessed through the AARP Travel Center website, which is operated by Expedia. Limited-time and special offers relating to travel may also be posted on the AARP website or in the app and then are booked or redeemed through a third-party site, some of which require a promo code. Logging into the AARP Travel Center requires an AARP membership number. Reservations can be made by calling 800-675-4318, although it can be harder to browse options over the phone.

Members may need to show their AARP membership card on check in to verify the discount. AARP provides digital cards for those who don’t want to carry a physical card.

Frequently asked questions about AARP Travel

AARP members receive modest discounts on many aspects of travel, from hotels to car rentals to passport expediting, all accessible from the same website. AARP’s low-cost membership fee makes it relatively easy to earn back the cost. Unlike booking through some other third-party sites, it is still possible to earn reward program points, though some discounts may be subject to some blackout periods.

The bottom line: Even if you aren’t yet in the typical AARP demographic, the annual membership can pay for itself with the discounts available. And pair it with a Going membership that helps you save on flights, and you could be traveling a lot more this year for less. 

Freelance Writer

Published April 4, 2024

Last updated April 4, 2024

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Sign in to your account, travel protection plans, package protection plan.

Take travel woes into account with the Package Protection Plan. This plan covers you from the moment you book your vacation until you return home.

• Change or cancel your trip for any reason one time prior to departure
• Enjoy coverage from the time you book until you return home
• Provides reimbursement for emergency medical expenses, lost luggage, and more

For a pre-travel plan only, consider the Vacation Waiver

Please see Terms and Conditions for full terms, including limitations and exclusions.

• Plan Coverage
• What's Not Covered
• Claim Instructions
• Terms Of Coverage
• Definitions

Important: This program is valid only if the appropriate plan cost has been received by Expedia, Inc. Please keep this document as your record of coverage.

SECTION I: Expedia Vacation Waiver

IMPORTANT: Benefits under Section I are provided by Expedia, Inc. Details regarding cancellation penalties, terms and conditions are fully outlined here.

Change or cancel for any reason

The Expedia Vacation Waiver helps protect you against life's unexpected occurrences. Your group is allowed to change or cancel your trip for any reason one (1) time prior to the scheduled start time* of your trip without being charged any change or cancellation fees. If canceling, any monies paid will be returned to the customer who booked the travel except the cost of published airfare, which may be made available as a credit for future travel.**

Note: The waiver is valid once you have paid the appropriate waiver cost and your booking is confirmed.

*Scheduled Start Time is defined as the originally scheduled departure time of your flight or, if you haven’t booked a flight as part of your package, the scheduled check-in time of your hotel at the time of booking. Other terms and conditions apply. Please see Terms and Conditions below.

**For a published air ticket , credit may be issued per applicable airline policies less airline change fees and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility. You are allowed to change or cancel your trip for any reason one (1) time prior to the start of your trip.

Refund Instructions

When your group purchases Expedia Vacation Waiver you will be asked to print your voucher. Please keep your voucher handy as a reference. You do not need to redeem your voucher at any time. You will also be able to access your information from the voucher in your online itinerary once your booking is confirmed. The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. The waiver is not transferable, has no cash value, and may be redeemed only once. Once the voucher has been utilized it cannot be reused. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking.

You must call contact Expedia at 1-800-675-4318 to cancel or change your vacation package.

Terms & Conditions

The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. It is not transferable, has no cash value, and may be redeemed only once. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking. The Vacation Waiver excludes the price of the Expedia Vacation Waiver.

If you change or cancel your trip for ANY REASON prior to the scheduled start time* of your trip, all package cancellation fees imposed by the Booking Agent will be waived, except the cost of Published Air.

SECTION II: Coverages offered by Insurer

Stonebridge Casualty Insurance Company Travel Insurance Certificate Policy Number MZ0911076H0002A

DESCRIPTION OF COVERAGE

• Schedule: Expedia, Inc Maximum Benefit Amount

PART A. TRAVEL ARRANGEMENT PROTECTION

• Trip Cancellation Up to Total Vacation Cost
• Trip Interruption Up to Total Vacation Cost
• Trip Delay $500, Up to $100/day

PART B. MEDICAL PROTECTION

• Emergency Evacuation/Repatriation of Remains $15,000
• Accident Medical Expense $5,000
• Sickness Medical Expense $5,000

PART C. BAGGAGE PROTECTION

• Baggage/Personal Effects $1,000
• Baggage Delay $500

PART D. TRAVEL ACCIDENT PROTECTION

• Accidental Death & Dismemberment Air Common Carrier $50,000

PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)

• CareFree™ Travel Assistance 24/7
• Medical Assistance 24/7
• Emergency Services 24/7

The benefits provided in this program are subject to certain restrictions and exclusions. Important: Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

SUMMARY OF COVERAGES

Trip Cancellation and Trip Interruption Benefits

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule for non-refundable cancellation charges imposed by Expedia, Inc. if you are prevented from taking your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered Vacation.

The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Vacation.

Pre-Departure Trip Cancellation Benefits

We will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Vacation. We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is canceled and your Covered Vacation is not canceled.

Note: As respects air cancellation penalties, you will be covered only for air arrangements booked through Expedia, Inc. and flights connecting to such air arrangements booked through Expedia, Inc. We will not pay benefits for cancellation charges imposed on any other air arrangements you may book on your own.

Post-Departure Trip Interruption

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered Vacation is delayed; or 2) you are unable to continue on your Covered Vacation after you have departed on your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s, Sickness, Injury or death or Other Covered Events as defined.

For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Vacation and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Vacation or to prevent you from continuing your Covered Vacation.

Post-Departure Trip Interruption Benefits

We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, and/or the following:

• the additional transportation expenses by the most direct route from the point you interrupted your Covered Vacation: a) to the next scheduled destination where you can catch up
• the additional transportation expenses incurred by you by the most direct route to reach your original Covered Vacation destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets.
• your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is interrupted and your Covered Vacation is continued.
• reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Trip.

In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Trip.

Important: You, your Traveling Companion and/or your Immediate Family Member booked to travel with you must be medically capable of travel on the day you purchase this coverage. The covered reason for cancellation or interruption of your Trip must occur after your effective date of Trip Cancellation coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

• being directly involved in a documented traffic accident while en route to departure;
• being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
• having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
• Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self- employed persons.

If your Covered Vacation is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for unused land or water travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and economy transportation to catch up to your Trip, or to return Home. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

• Air Common Carrier delay;
• loss or theft of your passport(s), travel documents or money;
• being Quarantined;
• natural disaster;
• a documented traffic accident while you are en route to departure;
• unannounced strike;
• a civil disorder.

Medical Expense/Emergency Assistance Benefits

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Vacation; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you.

We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

Accident Medical Expense/Sickness Medical Expense:

• expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury;
• expenses for emergency dental treatment incurred by you;

Emergency Evacuation:

• expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
• expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
• expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
• expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
• expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan.

Repatriation:

• repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Vacation.

Losses Not Covered:

Please Note: In no event will all benefits paid for Emergency Evacuation and Repatriation expenses exceed the coverage limit of $15,000.

Please note: Benefits under Parts A & B (except Emergency Evacuation and Repatriation) are subject to exclusions listed on Pages 12-13.

Baggage and Personal Effects Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered Vacation.

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations

We will not pay more than $1,000 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $500 per article limit.

Baggage Delay Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by an Air Common Carrier for 24 hours or more during your Covered Vacation. You must be a ticketed passenger on an Air Common Carrier.

Accidental Death and Dismemberment

Air Common Carrier Benefits We will pay this benefit, up to the amount on the Schedule, if you sustain a covered loss in an Accident which occurs: 1) while a passenger in or on, boarding or alighting from an Air Common Carrier or 2) being struck or run down by an Air Common Carrier of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire while you are on a Covered Vacation and covered under the plan, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown in the schedule.

• Loss Percentage of Principal Sum Payable
• Both Hands; Both Feet or Sight of Both Eyes 100%
• One Hand and One 100%
• One Hand and Sight of One Eye 100%
• One Foot and Sight of One Eye 100%
• One Hand; One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Not a care in the world... when you have our 24/7 global network to assist you

CareFree™ Travel Assistance

• Medical Assistance

Emergency Services

Travel Arrangements

• Arrangements for last-minute flight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
• Hotel finder and reservations
• Airport transportation
• Rental car reservations and automobile return
• Coordination of travel for visitors to bedside
• Return travel for dependent/minor children
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Assistance with bail bonds

Pre-trip Information

• Destination guides (hotels, restaurants, etc.)
• Weather updates and advisories
• Passport requirements
• Currency exchange
• Health and safety advisories

Documents and Communication

• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Emergency message relay service
• Multilingual translation and interpretation services

Medical Assistance and Managed Care

• Medical case management, consultation and monitoring
• Medical Transportation
• Dispatch of a doctor or specialist
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
• Prescription drug replacement
• Replacement of eyeglasses, contact lenses and dental appliances
• Emergency evacuation
• Repatriation of mortal remains
• Emergency medical and dental assistance
• Emergency legal assistance
• Emergency medical payment assistance
• Emergency family travel arrangements

CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect:* 1-603-328-1711

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.

Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, Berkely, Expedia, Inc., or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

Section I: Cancellation Fee Waiver

You may Change or Cancel your trip for ANY REASON one (1) time prior to the start of your trip. All cancellation fees will be covered by Expedia, except the cost of published air. Credit, pursuant to applicable airline policies, may be issued less airline change fees, and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility.

GENERAL PLAN EXCLUSIONS

In parts a & b:, we will not pay for any loss caused by or incurred resulting from:.

• mental, nervous, or psychological disorders, except if hospitalized;
• being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• normal pregnancy, except if hospitalized; or elective abortion;
• riding or driving in any motor competition;
• declared or undeclared war, or any act of war;
• service in the armed forces of any country;
• operating or learning to operate any aircraft, as pilot or crew;
• any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
• any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
• Elective Treatment and Procedures;
• medical treatment during or arising from a Covered Vacation undertaken for the purpose or intent of securing medical treatment;
• business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
• failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
• a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

ITEMS NOT COVERED WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF:

• property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
• artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
• documents or tickets, except for administrative fees required to reissue tickets;
• money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards,
• property shipped as freight or shipped prior to the Scheduled Departure Date.

THE FOLLOWING EXCLUSIONS APPLY TO THE ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE:

• We will not pay for loss caused by or resulting from Sickness of any kind.
• You, your Traveling Companion’s, or Immediate Family Member’s booked to travel with you, suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);
• participation as a professional in athletics;
• participation in organized amateur and interscholastic athletic or sports competition or events;
• nuclear reaction, radiation or radioactive contamination;
• mountain climbing, bungee cord jumping, skin diving, scuba diving, snow skiing, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company.

LOSSES NOT COVERED WE WILL NOT PAY FOR LOSS ARISING FROM:

• theft or pilferage from an unattended vehicle;
• mysterious disappearance;
• EMERGENCIES ARISING DURING YOUR TRIP: Please refer to Part E. Worldwide Emergency Assistance
• TRIP CANCELLATION CLAIMS: Contact Expedia, Inc. and BerkelyCare IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable. If you are cancelling due to a death, a death certificate will be required.
• ALL OTHER CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete. If you are interrupting due to a death, a death certificate will be required.

Online: www.travelclaim.com

Phone: 1-(800) 453-4079 or 1-(516) 342-2720

Mail: BerkelyCare 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753 Office Hours: 8:00 am - 10:00 pm ET, Monday - Friday; 9:00 am - 5:00 pm ET, Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable:

Accident & Sickness Medical Claims – receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment; submit these first to your other medical plans. Forward a copy of their final disposition of your claim to BerkelyCare.

• You must provide us with all bills and reports for medical and/or dental expenses claimed.
• You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
• You must sign a patient authorization to release any information required by us, to investigate your claim.
• You must receive initial treatment within 90 days of the accident, which caused the Injury or the onset of the Sickness.

Your duties in the event of a Trip Interruption & Trip Delay Claims: Medical statements from the Physicians in attendance in the country where the Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Or, verification of the Common Carrier’s mechanical or scheduling problems, or verification of other covered reason causing delay. Provide all unused transportation tickets, official receipts, etc.

Your duties in the Event of a Baggage/Personal Effects Loss: In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage. Submit claim first to party responsible, as well as your regular property insurer. Forward copies of the outcome of your claim to BerkelyCare with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if available.

When Coverage Begins

All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by Expedia, Inc.; 2) the date and time you start your Covered Vacation; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Vacation.

Pre-Departure Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the day your plan payment is received by Expedia, Inc. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.

When Coverage Ends

Your coverage automatically ends on the earlier of:

• the date the Covered Vacation is completed;
• the Scheduled Return Date;
• your arrival at the return destination on a round-trip, or the destination on a one-way trip;
• cancellation of the Covered Vacation covered by the plan.

In the certificate, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Actual Cash Value means purchase price less depreciation.

Air Flight Common Carrier means any air conveyance operated under a license for the transportation of passengers for hire.

Baggage means luggage, personal possessions and travel documents taken by you on the Covered Vacation.

Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

Covered Vacation means a period of travel away from Home to a destination outside your city of residence; the purpose of the Vacation is business or pleasure and is not to obtain health care or treatment of any kind; the Vacation has defined departure and return dates specified when the Insured enrolls; the Vacation does not exceed 6 months.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

Home means your primary or secondary residence.

Hospital means an institution, which meets all of the following requirements:

• it must be operated according to law;
• it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
• it must provide diagnostic and surgical facilities supervised by Physicians;
• registered nurses must be on 24 hour call or duty; and
• the care must be given either on the hospital’s premises or in facilities available to the hospital on a pre-arranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Immediate Family Member includes your or the Traveling Companion’s spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Insured means an eligible person who arranges a Covered Vacation and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Payments or Deposits means the cash, check, or credit card amounts actually paid to the Expedia, Inc. for your Covered Vacation.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Program Medical Advisors means On Call International.

Quarantined means the enforced isolation of an Insured and/or the restriction of free movement of an Insured suffering or suspected to suffer from a contagious disease to prevent the spread of contagious disease.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Vacation.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Vacation started or to a different final destination.

Scheduled Vacation Departure City means the city where the scheduled trip on which you are to participate originates.

Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.

Traveling Companion means one person whose name appears with you on the same Trip arrangement and who, during the Trip, will accompany you.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

Vacation means a scheduled trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by the Expedia, Inc. prior to the Scheduled Departure Date of the trip.

What is the Package Protection Plan?

Part I: Cancel for ANY Reason waiver provided by Expedia.com

• Passengers can cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air.
• The value of Published Air may be used within a year of original ticket issue date, and Expedia will absorb the change fee. The actual airfare could be higher at time of rebooking.

Part II: Travel insurance plan administered by BerkelyCare

• A package of insurance benefits payable for covered reasons, as well as travel assistance services.
• Benefits include coverage for trip cancellations, interruptions and delays; medical coverage including emergency evacuations and repatriations; baggage losses and delays; and 24-hour emergency travel assistance.

Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, OH.

Why should I purchase the Package Protection Plan?

You've saved, you've waited, and now you're all set to go on the vacation of your life - an Expedia vacation. Preparing for your vacation should include covering yourself against unfortunate occurrences that can interfere with even your best-laid plans. By purchasing the Package Protection Plan, you can be reimbursed for cancellation penalties, medical costs, baggage loss, and delays due to covered reasons, as well as gain access to a wide range of traveler's assistance services.

Unexpected situations can happen to anyone, even immediate family members that are not traveling with you, and provide you with a reason you might need to cancel or interrupt your trip. Plus, even after departure, there are important coverages included such as reimbursement for expenses caused by trip delays and baggage delays. And of course, having coverage that pays for unexpected medical expenses, most notably pricey evacuation expenses, is critical.

Did you know that the Package Protection Plan can reimburse covered expenses if:

• You become ill and can't travel.
• Someone in your immediate family has an illness or injury and you must cancel or interrupt your trip, even if he or she is not scheduled to travel with you.
• You must cancel your vacation plans for a work related reason.
• The wedding is off and you are no longer going on the honeymoon.
• Your house becomes uninhabitable due to a hurricane.
• An immediate family member back home passes away and you must return from your vacation early.
• You twist your ankle and must visit a doctor while traveling.
• Many other unforeseeable events as listed in the Description of Coverage.

What does the Package Protection Plan cover?

The Package Protection Plan includes coverage before and during your trip for the following:

Part I: Trip Cancellation Waiver

Expedia provides a Trip Cancellation Waiver that lets you cancel your trip for ANY REASON whatsoever. The Waiver allows passengers to cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air. If passengers have published air tickets, they can cancel their trip and receive a voucher equal to the published air ticket value. To learn more about covered cancellations, please read the information below.

Part II: Covered reasons for Cancellation and post departure coverages provided by Stonebridge Casualty Insurance Company, Columbus, OH. and administrated by BerkelyCare

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip for a covered reason, the plan provides coverage for covered penalties and expenses up to the cost of your originally booked vacation package.

Covered reasons include illness, injury or death to you, a traveling companion or an immediate family member. Additional covered reasons for cancellation include jury duty, the issuance of a subpoena for court or administrative hearing, job loss, unannounced strike, loss or theft of your passports, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure.

If you should miss the departure of your vacation due to Common Carrier caused delays or other reasons including a quarantine; hijacking; natural disaster; civil commotion or riot.; or delays caused by a traffic accident, en route to a departure, in which you or your Traveling Companion are involved, there is coverage to reimburse you up to $500 per person for costs such as accommodations, meals, and transportation expenses in order to catch up to the trip or to return home.

Emergency Evacuation/Repatriation of Remains

If an injury or illness requires emergency medical transportation to the nearest adequate medical facility, the plan includes coverage for up to $15,000 for covered transportation expenses. In the event of your death, the plan includes coverage for up to $15,000 toward the covered expenses associated with transporting your remains.

Medical Protection

If you become ill or injured while on your trip, the plan includes coverage to reimburse you to $10,000 in covered medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and some HMO's may not cover medical expenses incurred outside the U.S. Note that medical coverage is excess to any other insurance you may have for these expenses.

Baggage Protection

If your baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your trip, the plan includes coverage to reimburse you up to $1,000. The plan also includes baggage delay coverage, for up to $500 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours during your trip. Note that baggage coverage is excess to any other insurance you may have for these expenses.

24-Hour Worldwide Emergency Assistance

24-hour emergency telephone assistance hotline provided by On Call International to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Will my current home, renters, credit card, or health insurance policies cover me during my vacation?

The Package Protection Plan has a wide range of travel benefits which credit card, and renters insurance policies often do not offer. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip, and even if they do, reimbursement for cancellations due to any reason is rare. However, you should review your own policies carefully to see what is covered.

Homeowners and renters plans may offer coverage for lost possessions. However, these plans may not fully cover your loss fully due to high deductibles.

The medical coverage included in the Package Protection Plan may be valuable for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMOs, etc.). Even if it your insurance does, you may not be covered for the full amount due to deductibles and co-insurance. Plus, many plans do not pay for evacuations, which can be very expensive. Of course, having your own medical coverage does not insure you against cancellation.

Many credit cards have only limited coverage and assistance service, with only a few including coverage to reimburse in the event of a cancellation or an evacuation. Check your credit card documentation carefully.

Is there help while I'm traveling?

One of the valued benefits offered in The Package Protection Plan is the 24-Hour Emergency Assistance Service. On Call International is a leader in this field. With On Call International, you have around the clock access to the services of a highly trained, multi-lingual staff who can assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call On Call International immediately and give the details of your problem or medical emergency.

• Seeking pre-trip advice such as immunization and visa requirements.
• If you leave your prescriptions at home and need help finding a local pharmacy and having your prescriptions called in.
• If you lose your passport and need assistance in finding the nearest passport office or embassy and getting the correct paperwork.
• If your wallet is stolen and you need help filing the proper police reports and getting money wired to you from home accounts.
• Finding a local doctor, hospital or, for severe medical emergencies, arranging a medical evacuation.

Who can I contact for more information?

You may contact BerkelyCare, the plan administrator, with any questions regarding the Package Protection Plan. Their CustomerCare representatives will be happy to assist you.

Via email: [email protected] Via phone: 1-800-453-4079 or 516-342-2720 Via mail: BerkelyCare P.O. Box 9022 300 Jericho Quadrangle Jericho, NY 11753 Office Hours: 8AM-10PM (EST), Monday-Friday, 9AM-5PM (EST), Saturday

This program was designed and administered for Expedia, Inc.’s clients by BerkelyCare SM

IN CALIFORNIA: BerkelyCare SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelyCare SM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

When is payment for the plan due?

Payment for the plan is due with your initial trip payment.

How do I enroll in the Package Protection Plan?

The option to enroll is presented to you while booking your vacation package. If you would like to purchase the Package Protection Plan, simply select it and the cost of the plan is automatically included in the total amount due for your trip. Simply pay the amount indicated to purchase the plan.

When does coverage go into effect and will it cover me for the entire length of my vacation?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Expedia. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. on your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier.

I am not a U.S. or Canadian resident; can I purchase the plan?

The Package Protection Plan is available only to U.S. residents and non-U.S. residents traveling to the U.S. who book their travel arrangements with Expedia.

What happens if I need to cancel my vacation?

Please contact Expedia and BerkelyCare as soon as possible in the event of a claim, as the insurer will not reimburse you for any additional charges incurred due to a delay in notifying Expedia of your cancellation. BerkelyCare will then forward you the appropriate claim form in order to file a claim.

What happens if my traveling companion cancels his/her vacation but I still want to travel?

If a person booked to share accommodations with you cancels for a covered reason under the Package Protection Plan and you must pay a "change in occupancy" fee (or single supplement charge), the plan includes coverage for this expense.

What happens if my flight is delayed or cancelled?

• the cost of a one-way economy ticket (less any refunds paid or payable for your original tickets) to catch up to your vacation or to return home.
• the cost of any unused prepaid land or sea arrangements; and/or;
• the cost of additional reasonable accommodations and travel expenses

Other covered reasons coverage include: traffic accident en route to a departure in which you or your traveling companion is not directly involved; lost or stolen passports; travel documents; or money; quarantine; hijacking; natural disaster, civil commotion or riot.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, hotel, transportation official, police, etc.). The baggage coverage in the plan includes reimbursement for the cost of repair or replacement of the luggage and covered contents inside the luggage. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079.

If I require medical care while on my vacation, are my medical bills covered?

Yes, for covered expenses. The insurer reimburses up to $5,000 for a covered accident and up to $5,000 for a covered illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079. You will be asked to forward copies of your medical bills, as well as any explanation of benefit forms you may receive from your regular health insurer in regard to this loss, as the medical coverage in this plan is excess to any other insurance you may have for these expenses.

Please also note that should you require follow up care for your illness or injury once you return home, the plan includes continued medical coverage for up to 52 weeks from the onset of the illness or injury, or until you have exhausted the coverage limit. In the event of a medical emergency while traveling, the plan also includes emergency assistance services through On Call International. Should your medical condition necessitate your medical evacuation to another facility or home, these arrangements are made by On Call International

How do I file a claim?

You may request a claim form online via www.travelclaim.com or alternatively, call BerkelyCare, the plan administrator, at 1-800-453-4079 from 8:00 AM to 10:00 PM EST Mon-Fri or 9:00 AM to 5:00 PM EST Sat. Please note that you may want to have a copy of your Expedia invoice handy as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, booking number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your vacation, be sure to also contact Expedia to notify them of the cancellation, as well as to avoid additional expenses due to late reporting. For covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call On Call International at the telephone number provided with your travel documents and provide them with your plan number and emergency details.

Who is considered an "Immediate Family" member under the plan?

Our definition of "Immediate Family" is quite broad. It's not just the family members who reside with you. "Immediate Family" includes: spouses, domestic partners, parents, grandparents, siblings, siblings-in-law, children, grandchildren, aunts, uncles, nieces, nephews, and business partners. See the Definitions section of the Description of Coverage for a full listing.

Are there exclusions?

Certain restrictions do apply. For example, the coverage in the plan does not provide duplicate payments if there are other sources of reimbursement available.

Is there a Pre-Existing Condition Exclusion?

The Package Protection Plan does not have a pre-existing condition exclusion.

Contact Information

This program was designed and administered for Expedia, Inc.’s clients by BerkelySM:

IN CALIFORNIA: BerkelySM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelySM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

This plan is underwritten by: Stonebridge Casualty Insurance Company. Please see Terms and Conditions for full details include plan terms, conditions and exclusions.

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Best International Travel Insurance for May 2024

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

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

Our top picks for the best international travel insurance

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

How we rate the best international travel insurance »

Compare the top international travel insurance

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

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

Best overall: Allianz

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

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

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

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

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

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

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

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

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

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

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

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

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

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

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

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

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

Finding the best price for international travel insurance

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

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

How we reviewed international travel insurance companies

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

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

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

International travel insurance FAQs

Which company has the best international travel insurance.

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

Are there any limitations or exclusions international travelers should be aware of?

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

What insurance do you need for international travel?

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

Should you get travel insurance for international travel?

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

How far in advance should international travelers purchase travel insurance?

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

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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Head on Down to 42nd Street at The Palace Theatre!

By pam dube , april 30, 2024 12:31 am.

Are you a Broadway fan? Learn about the glitz and glamour and follow a star to stardom at the 42 nd Street musical playing at The Palace Theatre! 42nd Street celebrates Broadway and the magic of showbiz with wit, humor and pizzazz. At the height of the Great Depression, aspiring chorus girl Peggy Sawyer comes to the big city from Allentown, PA and soon lands her first big job in the ensemble of a glitzy new Broadway show. Just before opening night, the leading lady breaks her ankle. Will Peggy be able to step in and become a star? The score is chock-full of Broadway standards, including “We’re In the Money,” “Lullaby of Broadway,” and “Forty-Second Street.” AARP NH is offering you and your guests a $10 per “adult” ticket discount for 42 nd Street playing May 31 to June 23 at The Palace Theatre, 80 Hanover Street, in Manchester. Use discount code ACTIVE. Tickets may be purchased at the box office at 80 Hanover Street in Manchester, online at https://palacetheatre.org/events/42nd-street or by calling 603.668.5588.

DESTINATION

1. Overview

Brief introduction to the country and its reputation in medical tourism.

Russia, the world’s largest country by land area, offers a unique blend of history, culture, and cutting-edge technology. While Russia may not be the first destination that comes to mind when considering medical tourism, it has been gaining traction in this field. With substantial investments in healthcare infrastructure and medical research, Russia is slowly but steadily becoming a destination worth considering for various medical procedures. The country has a growing reputation for offering state-of-the-art medical treatments, often at a fraction of the cost you might pay in Western Europe or North America.

Historical and Cultural Significance in Medicine

Russia has a long-standing history of medical research and innovation. From the times of renowned scientists like Ivan Pavlov to contemporary achievements in cardiology and neurology, the country has been instrumental in contributing to global medical science. Russian medical institutions have also been engaged in pioneering work in fields like radiology, organ transplantation, and aerospace medicine, reflecting a cultural emphasis on scientific inquiry and innovation.

The Medical Landscape

The Russian healthcare system is a mix of public and private institutions, providing an array of treatments ranging from general medicine to specialized surgeries. While public healthcare is generally available to citizens, the growing private healthcare sector caters to both local and international patients, often providing services that match global standards.

What Draws Medical Tourists to Russia?

Medical tourists often find Russia appealing due to its advanced technology, specialized treatments, and relatively lower costs. Moreover, the prospect of combining medical treatment with a cultural experience is another attractive feature. Known for its grand architecture, vibrant arts scene, and rich history, Russia offers an all-around travel experience alongside high-quality medical care.

2. Popular Medical Procedures

List and brief descriptions of procedures.

• Cosmetic Surgery : Including procedures like rhinoplasty, liposuction, and breast augmentation, Russia is increasingly becoming a destination for cosmetic surgery.
• Dental Treatments : Dental implants, crowns, and veneers are some of the sought-after treatments.
• Cardiac Surgery : With advanced technology, cardiac procedures like bypass surgeries and angioplasties are performed at specialized centers.
• Orthopedic Surgeries : Hip and knee replacements are commonly done here with a high success rate.

Specializations or Pioneering Treatments

Russia is becoming known for its cancer treatments, including specialized radiation therapies and immunotherapy treatments. Additionally, the country has been involved in research and treatment of neurological conditions, offering specialized services in this domain.

3. Top Hospitals & Clinics

Renowned hospitals and clinics.

• Almazov National Medical Research Centre, St. Petersburg
• European Medical Center, Moscow
• Moscow City Clinical Hospital

Accreditation and Affiliation

Most top hospitals are accredited by Russian healthcare authorities and some even possess international accreditations. These hospitals often collaborate with international medical institutions for research and training purposes.

Special Features, Awards, or Recognitions

Many hospitals have received awards for medical excellence and innovations in treatments. They also offer features like English-speaking staff, modern facilities, and state-of-the-art medical equipment.

4. Cost Comparison

Comparative data.

On average, medical procedures in Russia can cost 30-70% less than in Western Europe or North America. For instance, a dental implant that might cost upwards of $3,000 in the United States could be available for around $1,000 in Russia.

Price Ranges

Costs can vary based on the facility, location, and type of procedure. Always get multiple quotes and consult with healthcare providers to get a more accurate picture.

5. Quality & Safety

Medical standards and practices.

Russia is committed to ensuring high standards of medical care, supported by its educational system that produces skilled doctors and medical professionals. While there might be variations in quality between rural and urban centers, most metropolitan areas have hospitals and clinics equipped with modern technology and well-trained staff.

Accreditation Systems and Regulatory Bodies

In Russia, medical facilities are generally regulated by the Ministry of Health. While not all hospitals may have international accreditations, most top institutions meet or exceed global healthcare standards.

Quality Checks and Patient Safety Protocols

Russian healthcare providers employ a variety of safety measures such as pre-surgical consultations, sterilization protocols, and rigorous post-operative care. They also tend to follow internationally recognized best practices to ensure patient safety.

Patient Rights

Patients have the right to quality healthcare, the right to choose their physician, and the right to confidentiality. These are enshrined in Russian medical law and are generally adhered to by healthcare providers.

6. Medical Visa Information

Guidelines and requirements.

To obtain a medical visa, you generally need a formal invitation from the Russian medical institution where you plan to receive treatment. Proof of financial stability and medical insurance are often required.

Duration, Documentation, and Application Process

The visa can be valid for up to 90 days, with possible extensions in case of medical necessity. Documentation usually includes your passport, invitation letter, visa application form, and photographs. Applications are typically processed within 10 to 20 business days, although expedited services are available for an additional fee.

Travel-related Advisories or Restrictions

It’s advisable to keep an eye on travel advisories and consult your home country's embassy or consulate for the most current information.

7. Cultural Considerations

Local customs and etiquette.

While Russia is generally welcoming to tourists, being aware of local customs and etiquette can enrich your experience. A basic understanding of Russian manners, such as greetings and proper attire, can be beneficial.

Language and Communication

While the primary language is Russian, English is often spoken in large hospitals and medical centers. Nonetheless, it's advisable to confirm the availability of English-speaking staff or interpreters.

Dietary Considerations

Russia offers a variety of cuisine options, though traditional foods might be heavy in meat and dairy. Vegetarian and vegan options are increasingly available, particularly in larger cities.

8. Travel & Accommodation

Popular areas to stay.

Moscow and St. Petersburg are popular destinations with proximity to top medical facilities. Both cities offer a range of lodging options, from luxury hotels to budget-friendly hostels.

Proximity to Medical Facilities

Medical centers are often well-connected by public transportation or are just a short drive away from popular accommodation areas.

Transportation and Infrastructure

Russia has an extensive public transportation network, including subways, buses, and taxis. Apps like Uber are also widely used.

Post-procedure Relaxation and Recuperation Spots

Russia is rich in natural beauty, from the beaches of Sochi to the serene landscapes of Siberia, offering plenty of options for post-procedure relaxation.

9. Legal & Ethical Considerations

Legal rights of patients.

Patients have the right to informed consent, confidentiality, and quality healthcare as per Russian laws.

Medical Malpractice Laws and Patient Recourse

In cases of medical malpractice, patients have the right to legal recourse. However, legal proceedings can be long and complex.

Ethical Considerations

Ethical standards are generally in line with international norms. Issues such as organ transplantation are strictly regulated.

10. Benefits & Risks

Among the benefits are lower costs, high-quality specialized treatments, and the opportunity to explore Russian culture and history.

Potential Risks

Language barriers and variations in quality between rural and urban healthcare centers are some of the risks involved. Always conduct thorough research and consultations before proceeding with any medical treatment.

11. Post-procedure Care

Post-operative care.

Russian medical facilities often offer robust post-operative care programs, including rehabilitation and follow-up appointments.

Availability and Quality of Rehabilitation Centers

Rehabilitation centers, especially in metropolitan areas, are well-equipped and staffed with trained medical professionals.

12. Frequently Asked Questions (FAQs)

• Is English widely spoken in Russian hospitals? In major cities and top healthcare centers, yes. However, it's advisable to confirm this before you travel.
• How do I pay for medical procedures? Payment methods vary, but most top hospitals accept credit cards and wire transfers.
• Is it safe to travel alone? While generally safe, it is always advisable to be cautious and aware of your surroundings, especially in unfamiliar areas.
• Is medical insurance necessary? Yes, proof of medical insurance is usually a requirement for obtaining a medical visa.
• What is the quality of post-procedure care? High-quality post-procedure care is often available, particularly in specialized medical centers.

Global Provider Members

Russian Ruble

144,500,000

With an area the size of Russia, it is difficult to give any sort of general advice about the climate and weather, except that summers are warm to hot, and winters get very cold in some areas. In general, the climate of Russia can be described as highly continental, with warm-to-hot, dry summers and (very) cold winters with temperatures of -30°C or lower. Heavy snowfall is not uncommon.

Facilitators

Featured treatments.

MedicalTourism.com

MedicalTourism.com is a free, confidential, independent resource for patients and industry providers. Our mission is to provide a central portal where patients, medical tourism providers, hospitals, clinics, employers, and insurance companies can all find the information they need. Our site focuses on patients looking for specific knowledge in the fields of medical tourism, dental tourism, and health tourism.

Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

Expat Health Insurance

Cigna Global Health Insurance. Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider. Get a quote from Cigna Global - 20% off

Aetna Aetna International, offering comprehensive global medical coverage, has a network of 1.3 million medical providers worldwide. You will have the flexibility to choose from six areas of coverage, including worldwide, multiple levels of benefits to choose from, plus various optional benefits to meet your needs. Get your free no-obligation quotes now!

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3 long-term care insurance moves to make before you're 75

By Matt Richardson

Edited By Angelica Leicht

April 25, 2024 / 11:05 AM EDT / CBS News

With the high cost of many products and services thanks to inflation and higher interest rates , it's critical to do everything you can to protect your finances. This is especially true for seniors, who will need to deal with rising healthcare costs in addition to their everyday living expenses. With a limited budget made up of retirement savings and other funds, these seniors should explore alternative ways to protect themselves and their families.

One effective way involves purchasing long-term care insurance . This type of insurance can help cover the costs of nursing homes, assisted living facilities and in-home caretakers. But, like all insurance policies, the timing of one's application is key. The longer you wait, the more problematic it will become to secure cost-effective and valuable coverage. 

To that end, there are some long-term care insurance moves seniors should consider making before they hit their 75th birthday . Below, we'll break down three of them.

Start exploring your long-term care insurance options online today .

Here are three long-term care insurance moves to make before your age becomes a bigger factor.

Get started

If you don't yet have a long-term care insurance policy in place then don't hesitate to get started. If you wait, prices will rise and coverage options may be limited. And, if you wait into your 80s , you could jeopardize your eligibility altogether (85 is generally the age limit for most policies). 

But if you apply now you'll be in a better position to secure reasonable rates for comprehensive coverage. The sooner you apply (you can even act in your 40s and 50s ), the better you'll be. And you'll have more time to shop around to find the best provider for your specific needs.

You can shop for long-term care insurance policies here now .

Understand why you need a policy

Long-term care insurance policies are flexible and can provide multiple benefits. From covering the costs of nursing homes and assisted living facilities to in-home caretakers (and paying for family and friends to provide that support), long-term care insurance policies can be advantageous for multiple applicants. But what do you need a policy for, specifically? Are you planning on aging at home or are you comfortable moving to an assisted living facility or nursing home during your golden years? 

By better determining what you need a policy for, you'll better be able to build a personalized one for you and your loved ones (if applicable). So first take the time to understand what you're trying to accomplish.

Read the fine print

While long-term care insurance can cover the costs of the aforementioned services, it can also offer more nuanced, specific care that could be attractive for certain candidates. Cash policies , for example, will provide policyholders with a cash benefit that they can then use to pay caretakers directly. 

But there are other, surprising items a policy can help with , too, like home renovations and alternative therapies that may not be covered by your traditional health insurance policy. So don't hesitate to read the fine print and explore all coverage options. By doing so before you hit 75 , you'll better position yourself to take advantage of all that a robust long-term care insurance policy offers.

Get started here today .

The bottom line

Long-term care insurance offers valuable financial protection, particularly in today's unique economic climate. But the benefits are timely and those considering a policy should strongly consider applying before they're 75. So, get started now and understand exactly what you need a policy for. And be sure to read the fine print to better secure a personalized policy for your long-term goals. By making these moves now, you'll improve your chances of securing quality long-term care insurance both now and in the months and years to come.

Matt Richardson is the managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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State Farm Medicare Supplement Insurance 2024 Review

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State Farm sells Medigap policies in most states, and members have few complaints about the company. However, the prices could be lower, and competitors offer more opportunities for discounts or added perks with your policy.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

from askchapter.org

Plan types offered Medigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N

A, C, D, F, G and N.

NAIC complaint rate How often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Premium discounts available Based on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.

Below average

• Complaint rates over 60% below the market average.
• Competitive prices in some higher-cost locations.
• Few discounts or health and wellness perks.
• High premiums in some locations.

State Farm is probably best known for auto insurance, but the company also offers medical insurance products including Medicare Supplement Insurance, or Medigap.

State Farm sells Medigap policies in most states and members have few complaints about them. However, the prices could be lower in some locations, and competitors offer more opportunities for discounts or added perks with your policy.

Here’s what you need to know about State Farm Medicare Supplement Insurance.

State Farm Medicare Supplement Insurance

State Farm Medicare Supplement Insurance earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, State Farm Medicare Supplement Insurance is one of the highest rated options on our list of the best Medicare Supplement Insurance companies .

Still deciding on the right carrier? Compare Medigap plans

State farm medicare supplement insurance pros and cons.

State Farm’s Medigap offerings have advantages and disadvantages.

Minimal complaints: State Farm members file complaints at rates 61% below the average for all Medigap insurance companies on the market.

Low prices in certain locations: Premiums in Los Angeles, a high-cost location, were the lowest on the market.

Not many perks or discounts: State Farm doesn’t keep up with competitors that offer various discounts on premiums and added perks like fitness benefits.

High prices in certain areas: In some locations, you can find significantly lower prices on plans from State Farm’s competitors, even before discounts.

State Farm Medicare Supplement Insurance plans

State Farm offers four Medicare Supplement Insurance plans available for purchase by any Medicare beneficiary in most states:

Medigap Plan A — the basic benefits included in every Medigap plan without any extras.

Medigap Plan D — a middle cost option that covers most Medigap benefits.

Medigap Plan G — the highest-coverage option available to new Medicare members.

Medigap Plan N — a plan with lower premiums but higher copays.

State Farm also offers Medigap Plan C and Medigap Plan F for qualifying beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any company.

In addition, State Farm offers Medicare Supplement Insurance in Minnesota and Wisconsin that fits each state’s respective standards, which differ from the standardization system used in the majority of the country.

Select your state on State Farm’s website to see the Medigap plan types available in your location.

Cost for State Farm Medicare Supplement Insurance

The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N) [0] NerdWallet analysis of American Association for Medicare Supplement Insurance data . Best Costs Medigap 2024 – Plan G . Accessed Feb 9, 2024. View all sources :

Los Angeles: More expensive than average.

Atlanta: Average cost for the U.S.

Dallas: Less expensive than average.

The sections below show estimated pricing information from State Farm for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services [0] Centers for Medicare & Medicaid Services . Find a Medigap Policy That Works For You . Accessed Jan 10, 2024. View all sources . (Note: Some Medigap prices may be higher for males.)

For comparison, each table also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, State Farm’s lowest estimated price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.

On average, State Farm’s quoted prices for Medigap Plan G were about 24% higher than the least-expensive Plan G policy in the area.

On average, State Farm’s quoted prices for Medigap Plan N were about 23% higher than the least-expensive Plan N policy in the area.

Some Medicare Supplement Insurance companies might offer premium discounts to qualifying enrollees who, for example, bundle multiple kinds of insurance, set up autopay or live with another adult who has a Medigap policy from the same company.

State Farm doesn’t advertise premium discounts specific to its Medigap policies.

State Farm member complaints

61% fewer complaints than average.

State Farm members file complaints about their Medicare Supplement Insurance policies 61% less often than the average for all Medigap insurance companies, according to 2022 data from the National Association of Insurance Commissioners for State Farm [0] National Association of Insurance Commissioners . Company Complaint Index . Accessed Jan 10, 2024. View all sources .

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

State Farm’s spending on care

75% for member benefits.

Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, State Farm Medicare Supplement Insurance plans spend about 75% of premiums on member benefits [0] National Association of Insurance Commissioners . 2022 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred) . Accessed Feb 9, 2024. View all sources . (The other 25% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all companies is 80.4%. The minimum required by law for individual Medigap policies is 60% [0] Code of Federal Regulations . Title 42, Part 403, Section 215 . Accessed Jan 10, 2024. View all sources .

Additional benefits

Medigap plans have standardized Medicare benefits, but insurance companies can offer additional perks. While some competitors offer extra benefits like gym memberships or discounts on hearing aids and eyewear, State Farm doesn’t publicize similar extras for its Medicare Supplement Insurance policies.

State Farm Medicare Supplement Insurance service area

State Farm offers Medicare Supplement Insurance in 45 states and Washington, D.C. (State Farm doesn’t offer Medigap policies in Connecticut, Massachusetts, New Jersey, New York or Rhode Island.)

As of the end of 2022, State Farm covered about 103,000 Medigap beneficiaries and had about a 0.9% share of the total Medicare Supplement Insurance market [0] National Association of Insurance Commissioners . 2022 Medicare Supplement Loss Ratios . Accessed Feb 9, 2024. View all sources .

State Farm Medigap customer service

Here’s how State Farm Medigap members can contact customer service:

Contact your local State Farm agent.

Call State Farm at 800-782-8332 (TTY ​​dial 711 and follow the prompts).

Compare Medicare Supplement Insurance companies

Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.

AARP/UnitedHealthcare Medicare Supplement Insurance .

Aetna Medicare Supplement Insurance .

Anthem Medicare Supplement Insurance .

Cigna Medicare Supplement Insurance .

Humana Medicare Supplement Insurance .

Mutual of Omaha Medicare Supplement Insurance .

State Farm Medicare Supplement Insurance .

About State Farm

State Farm, headquartered in Bloomington, Illinois, was founded in 1922 to provide auto insurance to rural customers. Its lines of business have since grown to include home, business, life, health and disability insurance, as well as banking, investing and other financial services. Medicare Supplement Insurance is State Farm’s only Medicare product.

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

Medicare Supplement Insurance ratings methodology

NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.

NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. 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, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

More on NerdWallet.com

Best Medicare Supplement Insurance Companies

Best Medicare Supplement Plan G Companies

Compare Medicare Supplement Insurance Plans

Medigap Plan G vs. Plan N: Which Is Best?