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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 .

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Travel Insurance

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Manage Your Travel And Flight Insurance

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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AllClear Travel Insurance Review: Is It Worth It?

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In this AllClear Travel Insurance review, we’ll explore what plans they offer, what they cover, and whether the plans are worth it for you. Enjoy!

When you’re planning a trip, it’s tempting to focus on finding the perfect hotel and gloss over the less exciting task of choosing an insurance policy .

If you ask me, that’s a risk. You never know when a medical emergency could arise, and the cost of health care outside your home country can rack up quickly depending on your destination.

If you have a pre-existing medical condition, you might dismiss travel insurance. Everyone knows that pre-existing conditions are not covered, right?

While some travel insurance companies cover pre-existing conditions in certain situations, there is actually a travel insurance solution designed to cover them. It’s called AllClear, and it offers single and multi-trip insurance plans to travelers of any age – even those with pre-existing conditions.

Let’s take a closer look.

AllClear at a Glance

• Specializes in coverage for pre-existing medical conditions
• Covers more than 1,300 conditions
• Covers travelers of any age
• Offers single and multi-trip plans
• Serves residents of the U.K., Republic of Ireland, Channel Islands, Isle of Man, and Australia
• Acts as a broker, providing quotes for its own insurance products, as well as those from other providers

AllClear Travel Insurance Products

AllClear Travel Insurance offers travel insurance solutions to travelers of any age for almost any destination. It specializes in covering pre-existing medical conditions, which sets it apart from many other providers.

Travelers taking a single trip can purchase one-shot insurance, while those who travel multiple times per year should consider a multi-trip plan that covers all trips.

You can purchase a single trip policy up to 12 months before your travel is scheduled to begin, with cancellation kicking in right away. You can get an online quote for trips lasting up to 92 days.

Annual multi-trip plans offer 12 months of coverage for all trips within the same region, up to 45 days each. Region means one of the following:

• Worldwide excluding North America and the Caribbean
• Worldwide including North America and the Caribbean

Whether you should opt for a single or multi-trip plan depends on the length and number of your trips. AllClear advises that an annual multi-trip plan is usually cheaper if you travel three or more times per year.

AllClear offers three primary plan, available for both single and multi-trips:

• AllClear Gold
• AllClear Gold Plus
• AllClear Platinum

AllClear Travel Insurance: What’s Included?

AllClear travel insurance plans include coverage for all ages and most pre-existing medical conditions.

And what exactly is a pre-existing medical condition? Some are considered pre-existing if you’ve ever experienced symptoms. Others are pre-existing if you’ve received treatment or exhibited symptoms in the last five years. It’s all explained on AllClear’s website when you get an online quote and answer a brief medical questionnaire.

What about coverage? Here’s the key takeaway:

• Medical expenses up to £15,000,000
• Trip cancellation and curtailment up to £5,000
• Baggage and personal items up to £3,000

Below is a little extra info showing how coverage varies by plan. For more information, refer to the insurance policy booklet.

Looking at this table, you might notice that the AllClear Platinum plan isn’t that different from the AllClear Gold Plus plan. But what sets the Platinum plan apart is that none of the coverage limits are subject to an excess (deductible). That isn’t the case with the AllClear Gold and Gold Plus plans. Excess amounts vary per coverage category, so consult the policy booklet for more information. The AllClear Platinum plan also includes coverage for cruises .

Note that versions of the AllClear Gold and Gold Plus that exclude trip cancellation coverage are available for lower premiums. You can also buy an AllClear Gold plan with a higher excess (deductible) for a lower premium. Excess varies by plan and category, so be sure to consult the policy booklet for more details. (Hint: the policy booklet is available when you get an online quote.)

You can add winter sport and golf coverage to any plan for an additional premium. Again, consult the policy booklet for more info.

Get Your Pre-Existing Conditions Covered. Need a travel insurance plan for your next trip? Compare single trip and multi-trip travel insurance plans from AllClear! Get a free quote here.

How Much Does AllClear Travel Insurance Cost?

The cost of an AllClear travel insurance policy will vary based on several factors. These include age, medical conditions, trip length, destination, desired coverage, and desired excess (also called deductible).

Single Trip

I obtained a quote for a hypothetical U.K. couple traveling to Spain for one week. The couple are 39 and 43 years old and have no diagnosed medical conditions. These are the AllClear plans and their prices:

AllClear Gold Excluding Cancellation — £69.88

AllClear Gold Increased Excess — £83.04

AllClear Gold — £87.36

AllClear Gold Plus Excluding Cancellation — £76.70

AllClear Gold Plus — £95.90

AllClear Platinum — £122.84

The more expensive plans offer higher coverage amounts. Plans that exclude cancellation insurance are less expensive, as are plans with higher excess.

Annual Multi-Trip Plans

For illustration purposes, here are the quotes for the annual multi-trip versions of the same plans, for the same hypothetical couple:

AllClear Gold Excluding Cancellation — £131.44

AllClear Gold Increased Excess — £156.04

AllClear Gold — £164.28

AllClear Gold Plus Excluding Cancellation — £144.60

AllClear Gold Plus — £180.74

AllClear Platinum — £235.94

We can see from these quotes that if this couple were to take two trips of this length within Europe during a 12-month period, they would be better off buying an annual multi-trip plan.

I should also mention that I ran quotes for a senior couple aged 79 and 84 taking the same trip. One of these hypothetical seniors has high blood pressure and cholesterol and the other has Type 2 diabetes. Coverage levels were the same, but as expected, premiums were much higher — almost five times higher, in fact.

AllClear Travel Insurance: What Isn’t Covered

• Undiagnosed Conditions: AllClear can’t cover a medical condition if it hasn’t been diagnosed by a health care professional. If you are undergoing tests or treatment for a yet undiagnosed condition, claims related to it will not be covered.
• Pre-Existing Conditions You Failed to Disclose: Pre-existing conditions affect the premium you pay for AllClear coverage, so if you don’t disclose one, you won’t be covered for any claims related to it. In fact, if this comes to light, your policy may be voided altogether. This is why it’s essential to answer the medical questionnaire truthfully and completely.
• Anyone Who Isn’t Cleared to Travel : In order to receive coverage from AllClear, your doctor must declare you fit for travel. In some cases, AllClear may request written proof of this before agreeing to cover you. If your travel is against the advice of your physician, you are not eligible for coverage.
• Some Terminal Conditions: Depending on your prognosis, you may or may not be eligible for coverage if you have a terminal condition. In these cases, it is best to contact AllClear by phone to review your situation in more detail.
• Destinations for Which the Foreign and Commonwealth Office Has Issued a Travel Advisory: AllClear covers travel to almost anywhere in the world, but there are some exceptions. This includes destinations the Foreign and Commonwealth Office has advised against traveling to. If you ignore the advisory and go to one of these destinations anyway, you’ll have to seek coverage elsewhere.

Travel Insurance Plans For Everyone – Get complete travel insurance coverage for pre-existing conditions no matter your age for your next trip. Get a free quote from AllClear here .

AllClear Travel Insurance: Who Can Be Covered?

The great thing about AllClear is that the company covers travelers of any age. It also covers many declared pre-existing medical conditions. Currently, it serves residents of the U.K., the Republic of Ireland, the Channel Islands, the Isle of Man, and Australia. The content of this review does not apply to Australia, though, since pricing and products may differ.

Who Should Buy AllClear Travel Insurance?

Travelers With Pre-existing Medical Conditions : Because AllClear specializes in coverage for pre-existing medical conditions, it’s an excellent option for people who might otherwise struggle to find coverage.

Seniors : Many providers have an upper age limit on their policies, but not AllClear. Even seniors in their 80s and 90s can find a plan that suits their needs.

Frequent Travelers : AllClear’s annual multi-trip plans usually end up being more cost-effective for travelers who plan to take at least three trips in the same region during a 12-month period. Sometimes even two trips is enough. Remember, one of the “regions” is “ worldwide including the USA, Canada, and the Caribbean ” so these plans aren’t as restrictive as they sound.

Travelers Wanting High Medical Coverage : One of the most attractive features of AllClear is its high medical coverage. Even the entry-level plan offers £10,000,000.

Who Should Skip AllClear Travel Insurance?

Travelers With Yet Undiagnosed Medical Conditions : AllClear needs details about your medical condition before the company can offer coverage. That means you need an official diagnosis. If you’re currently undergoing tests to try to diagnose a medical condition, it won’t be covered. To be honest, I doubt any provider will cover that. Your best bet is to wait until you have a diagnosis. Otherwise, you’ll have to take your chances, which I don’t recommend.

Anyone Looking for High Levels of Trip Cancellation or Curtailment : AllClear offers trip cancellation and curtailment coverage up to £5,000. It covers non-refundable deposits if you have to cancel or cut short your trip for a covered reason. That said, if you’re planning an expensive trip , it may not be enough to protect your investment. The AllClear Platinum plan allows you to purchase additional coverage in increments of £1,000, but other providers may offer more coverage for less.

U.S. Residents – AllClear Travel Insurance is currently not available to residents of the United States.

How to Buy AllClear Travel Insurance

Most travelers can obtain a quote and purchase AllClear travel insurance online . In some circumstances, travelers may be advised to call AllClear to discuss a quote further, usually when additional information about a medical condition is needed.

Once you purchase a policy, there’s a 14-day cooling-off period. That means if you change your mind before your travel begins and before you have cause to make a claim, you can get a full refund.

How to Make a Claim

Depending on the nature of your claim, it might occur while you’re away or after you return home.

If you need to access emergency care while away, contact MAPFRE Assistance for 24-hour multilingual emergency service by phone or email (its contact info is in your policy booklet). MAPFRE will then arrange your care.

If you need outpatient services while away, you generally pay out of pocket and then file a claim when you return home. The exception is when the service costs more than £500, in which case you can go through MAPFRE Assistance.

Reactive Claims Ltd. handles AllClear travel insurance claims filed after you return home. You can get a claim form online or by contacting Reactive via phone or mail within 28 days of your return. You’ll have to submit your completed claim form along with your original policy and all original receipts and other supporting documents.

Seniors and people with pre-existing medical conditions often struggle to find travel insurance coverage, period. It’s excellent that AllClear is available to serve these groups, even if the premiums are expensive. For many, the price is worth the peace of mind that the high medical coverage provides.

For younger people without pre-existing conditions, AllClear insurance is reasonably priced and offers a ton of medical coverage. To be honest, most people without pre-existing conditions don’t need that much — £1,000,000 including repatriation would be more than enough in most cases.

The trip cancellation coverage is a bit lacking with some of the AllClear plans. The Gold Plus and Platinum plans offer a respectable £5,000, with Platinum allowing travelers to purchase additional coverage. However, Gold plan coverage is on the low side. AllClear is primarily a travel medical insurance provider, so it makes sense that cancellation isn’t its focus. That said, it might not meet the needs of travelers who are planning expensive trips. If that describes you, I recommend comparing plans to find the best fit for you.

Protect Your Trip with Travel Insurance – Whether you need coverage for a single trip or several, you can protect your travel dollars with a policy from AllClear. Compare plans and get a free quote here.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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Standard single trip policies.

• The most popular and comprehensive travel insurance plan
• Covers cancellations, medical emergencies, delays, and luggage
• Protection from the time you purchase to the date you return

Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
• May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

• Offers comprehensive trip protection on land and at sea
• Includes high travel medical insurance coverage limits
• Protects against hurricanes, inclement weather, and more

Adventure & Sports Policies

• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

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When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

• Helped more than 3 million travelers
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Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

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More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

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The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others.

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Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

How to Buy Travel Insurance on Squaremouth

If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

While rare, some countries or organized tours may require proof of travel insurance that lasts for the duration of your trip. Our Destination Center is a good starting point to learn about entry requirements and travel insurance recommendations.

While it is typically not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international or high cost trips. View our list of the top international travel insurance providers .

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , accidental death and dismemberment , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does Travel Insurance Cost?

In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without an insured trip cost will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
• Coverage Limits: Plans will set limits to how much reimbursement you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
• Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
• Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
• Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.

Does Travel Medical Insurance Cover International Trips?

In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.

To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.

A Practical Guide to Buying Travel Insurance

Travel insurance could be the difference between a huge medical bill or a modest copay. use these tips to find the best policy for your trip..

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It’s far better to buy travel insurance and never use it than to not be covered in an emergency.

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For many, travel insurance can seem like an unnecessary, additional expense. But if you get stuck in a costly situation—a medical emergency, a canceled trip due to a pandemic , a stolen camera—it suddenly feels like a totally worthwhile investment that saves, not costs, you money.

This was the case for writer Chris Ciolli. After years of traveling without a safety net, she invested in travel insurance on a recent trip during which she was rushed to the hospital at 3 a.m. for a slew of just-in-case tests. She ended up with an underwhelming diagnosis of gastritis, but also a slow trickle of medical bills—a few hundred dollars here, a thousand there—that totaled nearly $6,000. Fortunately, her month-long $185 World Nomads policy covered everything after an initial $80 copay.

But even if you understand the benefits and you’re committed to buying travel insurance, choosing the right policy for your needs—and even knowing what those needs are—can be tricky. To help you choose the best travel insurance for your trip, we’ve consulted a number of travel agents, insurance industry professionals, and lifelong travelers for advice. In this guide, you’ll find everything you need to know, from travel insurance reviews and comparisons to common questions answered, to pick the best policy for your next trip.

What is travel insurance?

Travel insurance is a plan, similar to health or auto insurance, that protects you from expenses incurred during unforeseen mishaps while traveling, such as lost luggage, trip cancellations, or medical emergencies.

Although your current homeowner’s, renter’s, auto, or health insurance may cover you for certain things while traveling, it usually doesn’t cover everything—especially on international trips. A good travel insurance plan will cover the gaps.

Where do you get travel insurance?

Some very basic forms of travel insurance are included if you booked your trip with a credit card such as World MasterCard, Capital One Venture Rewards, and Chase Ink and Sapphire cards. With these plans, you may be covered for some delay, luggage, and travel accident expenses, but it’s usually pretty basic.

You can also purchase it as an add-on while booking flights, cruises, or hotels. These plans are also limited and will only cover you in the event of an unavoidable cancellation due to events such as a natural disaster or a death in your family. “While it may seem less expensive, it may not cover all of the components of your trip,” says Andrew David Harris, vice president and COO of Harris Travel Service .

While both of these are better than nothing, the most comprehensive and best travel insurance policies are sold by providers such as World Nomads, Allianz Global Assistance, Seven Corners, or TravelEx. You can purchase these plans through your travel agent, but it’s often less expensive to book directly with the travel insurance provider or through a comparison website, like Squaremouth .

What does travel insurance cover?

Every traveler and trip is different, which is reflected by the variety of travel insurance plans on the market. No matter what plan or provider you choose, below are some common things travel insurance covers. Experts agree that before you buy, you should absolutely look for specific exclusions in the fine print on potential policies. If you’re unsure about something, reach out. A good insurance company will be responsive and willing to clarify your questions.

Trip cancellation and interruption

Most travel insurance policies will include some form of trip cancellation and interruption coverage to reimburse you for nonrefundable expenses, like a prepaid hotel or plane ticket. Unless you add cancel for any reason (CFAR) insurance to your plan, there will be a limited set of acceptable reasons to claim this. Illness, death of an immediate family member, and weather are commonly accepted reasons.

Trip delays and missed connections

Also common is reimbursement for additional expenses incurred if a trip is delayed and meets criteria set out by the provider. With World Nomads, your flight must be delayed by at least six hours to qualify.

Baggage and personal effects

Most plans will cover the cost of lost or damaged luggage and personal belongings, as well as the cost of purchasing additional items if your luggage is delayed.

Emergency medical and dental care

This covers the cost of medical care when you get sick or have an accident in another country and usually includes medical evacuation. However, travel insurance isn’t a substitute for regular health insurance so nonemergency medical expenses (physicals, anything cosmetic, eye exams) aren’t covered. Childbirth isn’t covered either, even for pregnant travelers who go into labor prematurely.

Shannon O’Donnell, 2013 National Geographic Traveler of the Year and blogger at A Little Adrift , mentions another coverage gap travelers miss: “You’re only covered for what you’re licensed to do back home—if you don’t have a permit for a motorbike and you drive one in Southeast Asia, you might not be covered in an accident.”

Emergency medical evacuation

This covers the cost of an emergency transfer (in an ambulance or helicopter, for example) from an area with inadequate medical care to the nearest medical center with the services you need. It’s costlier but essential in isolated and politically unstable parts of the world.

Accidental death and dismemberment and repatriation

Phil Sylvester, head of PR and Media Communications for World Nomads, says that “truckloads of coverage for hospital costs and medical repatriation home” are the most important things to look for. “The rest is just window dressing.” A lot of basic plans won’t include this in their coverage, but you can easily add this on with an upgrade to a more premium tier.

Concierge and 24/7 service

Daniel Durazo, director of Marketing and Communications for Allianz Global Assistance , says that “a good policy includes a 24/7 contact line for both medical and travel emergencies.”

Common travel insurance add-ons to consider

A basic plan is usually enough for most travelers, but it may not cover everything you need if you’re older, have pre-existing medical conditions, participate in sports while traveling, book an expensive trip, or travel with expensive gear (such as a high-end camera). If you fall into any of these categories, consider an add-on or upgrade.

Upgrade lost luggage, trip delay, and cancellation amounts

“Standard travel insurance levels cover more modest belongings and lodging,” advises Annette Stellhorn, president and Group Luxury Travel designer at Accent on Travel . If you’re traveling with expensive gear or spending a lot on your trip, consider upgrading to a tier that covers your costs adequately.

Additional coverage for adventure and high-risk travel

Stellhorn also notes that adventure and high-risk travel “require higher benefit amounts for medical evacuation, which can run more than $250,000.” And Judy Perl at Judy Perl Worldwide Travel says that “most insurance companies will not insure high-risk travel at all, with the exception of big companies like First Allied and Travelex .” Even less risky activities and sports may only be covered to a limit—that is, climbing to certain heights and diving to certain depths.

Most sports are only covered up to a certain level of intensity—any higher and you may have to purchase a different tier of insurance. World Nomads, for example, will cover a slew of adventure travel activities and sports, but at an additional cost on top of its basic insurance.

Cancel for any reason (CFAR) insurance

It’s important to read the fine print of any insurance plan because, even if it includes trip cancellation coverage, this often only kicks in under certain circumstances. As many travelers found out recently, trips canceled due to the recent coronavirus pandemic were not covered unless they had a CFAR add-on .

Jennifer Wilson-Buttigieg, co-owner and copresident at Valerie Wilson Travel , explains that these plans “only cover 75 percent of trip expenses [and only] if travelers cancel their trips at least 48 hours in advance.”

Does travel insurance cover pandemics?

No. “Once actual events have unfolded, such as the current coronavirus outbreak, they are considered known or foreseeable events and are no longer covered by most travel insurance policies,” says Michelle Baran . The exception is if you chose to upgrade your plan to include a CFAR add-on. During the current coronavirus outbreak, getting the CFAR add-on is definitely a good idea.

What are the best travel insurance policies?

The best travel insurance policy will depend on you and your trip. You’ll want to make sure you have a plan that covers the cost of your entire trip and the activities you want to do and won’t leave you in the dark if you have pre-existing conditions. The following are some of the best travel insurance partners to consider:

Best for: Older travelers and those with pre-existing conditions.

While Allianz provides great travel insurance for any traveler, it’s especially appropriate for those with pre-existing conditions, since those are covered in every one of its plans. However, its basic coverage only covers up to $500 in lost or damaged baggage, so consider an upgrade if you’re traveling with more expensive equipment.

Get a quote: allianztravelinsurance.com

Seven Corners

Best for: Traveling during the COVID-19 outbreak

Although most travel insurance plans don’t cover travelers in the current coronavirus pandemic without a CFAR add-on, Seven Corners has designed a plan specifically for travelers planning a domestic road trip in the United States, Canada, or Mexico, called Armor . Its Liaison Travel Plus and Wander Frequent Traveler Plus plans also include medical coverage should you need medical attention due to COVID-19. Seven Corners has been providing high-quality travel insurance coverage since 1993 and, pandemic or no, is one of our top choices.

Get a quote: sevencorners.com

Best for: Medical coverage only

GeoBlue’s Voyager basic medical coverage is not a comprehensive travel insurance plan that covers a slew of scenarios, but rather just provides travelers with basic medical travel insurance. The deductible is a high $500 but at $19 to $35 per trip, it’s an inexpensive way to protect yourself in case something catastrophic happens. If you feel like you’re adequately covered for travel mishaps like lost luggage or stolen goods by other insurance (like your credit card or homeowner’s insurance), this might be the insurance for you.

Get a quote: geobluetravelinsurance.com

Best for: Traveling with kids

With TravelEx, travelers can choose between a basic or select travel insurance package with options to customize it according to their needs. Both plans cover standard things like trip cancellation and emergency medical services and are an all-around comprehensive option. However, its Travel Select plan also includes free coverage for any children under 17 traveling with you. For families, TravelEx Select is a great money-saving option.

Get a quote: travelexinsurance.com

How much does travel insurance cost?

Complete travel insurance packages can cost as little as $8 per day, but vary depending on the length of the trip, destination(s), and the tier of travel insurance you choose. Some, but not all, travel insurance may also cost more for travelers with pre-existing conditions or older adults.

As a comparison, here are some examples of travel insurance costs for a 45-year-old traveler on a $5,000, one-week trip to Mexico:

• $98 for an explorer plan with World Nomads
• $188 for a basic plan with Allianz
• $214 for a basic plan with AIG
• $226 for a basic plan with Travelex

While some of these plans may seem expensive, keep in mind that if they provide you the coverage you need, they can be a huge money saver. Insurer World Nomads says that its average claim amount for 2017 was $1,634, and its most expensive claim—a medical evacuation of a child from Sitka, Alaska, to Seattle—was nearly $200,000. Suddenly, that $8 per day makes travel insurance worth it . But, as Michael Holtz, founder and CEO of the travel agency Smart Flyer , says, “People don’t think they need it until they need it.”

How do I buy travel insurance?

You should always buy travel insurance from an official, reputable provider or website, such as purchasing directly through the insurance provider, a travel agent, or a comparison website; these “offer a way to search, compare, and purchase from a wide array of plans,” says Stan Sandberg, cofounder of TravelInsurance.com .

Comparison sites to buy travel insurance include:

• Travelinsurance.com
• Squaremouth
• Insuremytrip

Sandberg strongly recommends consumers speak with a licensed agent when they are unsure about benefits. The website elliot.org is another good resource and features a list of reputable travel insurance companies compiled by consumer advocate Christopher Elliott.

When to buy travel insurance

Generally, you should book your travel insurance as soon as you can after booking your flights and hotels. If you’re traveling to a destination affected by hurricanes , book sooner than later, because you can’t buy insurance to cover delays or cancellations related to a storm that already has a name.

People with pre-existing conditions need to take other factors into consideration. Most insurers will only cover expenses related to prior illnesses in very specific circumstances; travelers with pre-existing conditions must book coverage within a specific time frame—usually between 14 and 21 days—following their initial trip reservation, and they must be medically able to travel on the date they purchase the insurance.

Your travel insurance policy period should be for the duration of your trip from door to door (no gaps or shortcuts, please), and cover you for every place you plan to visit, whether it’s in-state, out of state, or international. Some destinations are higher risk than others so insurers don’t offer the same coverage for the same price everywhere.

What does your existing insurance cover while traveling?

While your existing health, auto, renter’s, or homeowner’s insurance may cover a few things while you’re traveling, it likely doesn’t cover everything.

• Health insurance: Many U.S. healthcare policies, including Medicare, don’t cover travelers on international trips. Some plans will cover you abroad, so check with your provider. If your health insurance only covers you domestically, both the Centers for Disease Control and the U.S. State Department recommend purchasing medical travel insurance.
• Travel insurance: Credit cards can provide limited coverage of some delay, luggage, and travel accident expenses, as well as part of your rental car insurance.
• Homeowner’s and renter’s insurance: Home contents or rental insurance may cover some lost, stolen, or damaged valuables or even offer a reasonably priced floater policy (an add-on to your regular policy that covers easily moveable property) if you travel with expensive equipment.
• Auto insurance: Within the United States, your primary auto insurance will almost always cover rental vehicles. There are a few exceptions for domestic rentals, like if your current auto insurance has low coverage limits. International car rentals are a different story. In Mexico, for example, rental car insurance is mandatory , even if you have insurance at home. Always be sure to check local rules before you reserve a rental car.

Tips for filing claims and getting reimbursed

Unlike most domestic health insurance policies, travel insurance doesn’t typically have a deductible. Some inexpensive policies will require you to pay a small, nonrefundable, initial policy excess amount before further costs up to the benefit limit are covered. Many policies work on a reimbursement plan: You pay upfront, save your receipts, and file a claim, then after processing, your insurance company pays you back for covered expenses.

Most policies require you pay nonemergency expenses out of pocket and submit your claim for reimbursement afterward. In a non-life-threatening emergency, call your insurer for instruction if you’re able—it will make the claims process easier, and the insurer may be able to direct you to a hospital or medical center where your care can be billed directly to it.

Hannah Logan, of the blog Eat Sleep Breathe Travel , says this step is especially important because the small print on many policies “reads that calling the contact number [may be] a requirement for coverage.”

No matter what, document everything. Whether it’s lost baggage, a medical expense, or damage to your rental car, gather and keep anything that can help your claims case: your original rental car agreement, receipts, photos, medical paperwork, a copy of your boarding pass.

Buying travel insurance is a little like packing a suitcase—it can seem overwhelming at first, but eventually it becomes a routine and necessary part of every trip. And once it does, you can travel worry-free, calm in the knowledge that you’ve saved yourself from a possible $6,000 mistake.

This article originally appeared online in 2018; it was updated on June 19, 2020, to include current information.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

>>Next: Everything You Need to Know About Getting a New U.S. Passport

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

The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

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 Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

You might also be interested in:

The 5 Best Family Travel Insurance Plans

Holly Johnson

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8 Cheapest Travel Insurance Companies Worth the Cost

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The 6 Best Vacation Rental Travel Insurance Plans

Protect your trip and give yourself peace of mind with the top options.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

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Travel Insurance For Over 70s

Relax and enjoy your holiday with cover including:

• No upper age limit
• All pre-existing medical conditions
• Medical emergencies

Our Over 70s Travel Insurance is designed to help you travel confidently. It can provide full medical cover for complete peace of mind.

This includes specialist cover for all pre-existing medical conditions and medical emergencies while abroad, as well as cover for trip cancellations, lost luggage, and other common travel mishaps.

What is Over 70s Travel Insurance – and do you need it?

Over 70s Travel Insurance is a type of policy that offers peace of mind and protection for older travellers during and leading up to your trip. 

With the risk of falls and injury increasing as we get older , there’s a higher chance of needing some medical help while travelling. With our specialised medical cover, you can travel in the knowledge you’re fully protected.

Our Over 70s Travel Insurance:

• Provides specialist medical cover: As a specialist Medical Travel Insurance provider, we offer tailored Travel Insurance policies to suit you and your needs, no matter your age or medical conditions
• Is tailored to you: Nearly 95% of adults over 60 are living with at least one chronic condition, which can make finding and buying Travel Insurance more difficult. We’ll help you find a policy tailored to your needs
• Offers peace of mind: Travelling can be stressful, particularly as you get older. Over 70s Travel Insurance gives you peace of mind, knowing that you’re protected if you have an accident or emergency. You will also have access to our 24/7 helpline should you have a medical emergency your trip

What does AllClear’s Over 70s Travel Insurance cover?

We specialise in cover for over 70s with pre-existing medical conditions , so you can travel with confidence.

What’s covered?

• Medical expenses – We can cover emergency medical treatment you need while travelling, including pre-existing medical conditions you’ve declared
• Medical aids – We will protect your essential medical equipment and accessories from loss or damage
• Medication – We’ll help you get a replacement for your vital prescription medication if you lose it during your trip.
• Repatriation – This covers the cost of emergency medical transport back to the UK
• Lost luggage – We will pay out if your baggage is stolen or damaged, so you can replace your important items.
• Cancellation and curtailment – Provides cover if you have to cancel your trip due to an unforeseen emergency or reasons beyond your control
• Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted

What’s not covered?

• Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
• High-risk activities – These are not covered by our standard policy, but you can add Optional Extras for some activities if you want to
• Accidents under the influence of drugs or alcohol – While we want you to have fun on your trip, safety is paramount. If you have an accident because of drugs or alcohol, your claim won’t be covered.
• Missed flights within your control – We understand that sometimes things go wrong, but we can’t cover missed flights that were under your control.
• Choosing not to travel – We know that plans change from time to time, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details

AllClear’s Travel Insurance for Over 70s with pre-existing medical conditions

It is common to be travelling with pre-existing medical conditions in your 70s. 

In fact, a recent Which? study revealed that over a third (36%) of respondents living with pre-existing conditions struggled to find affordable insurance, with 7% opting to travel uninsured due to high premiums.

The risks of travelling without Over 70s Travel Insurance can be extremely costly. For example, without repatriation cover, you would have to pay air ambulance costs upfront. This can cost anywhere from £12,000 to £18,000 in Europe, to upwards of £50,000 from the USA , Caribbean and South America.

If you’re over 70 and living with a pre-existing medical condition, you must declare them so we can provide you with the most appropriate cover. 

Below are some of the most common medical conditions we cover for over 70s:

• Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
• Chronic illnesses –  Nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , gallstones and other long-lasting chronic conditions.
• Respiratory problems – Respiratory conditions include asthma , and COPD , leading to airflow obstruction and breathing difficulties.
• Neurological conditions – These are disorders affecting the brain and nervous system. This includes strokes , epilepsy and multiple sclerosis .
• Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes .
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis .
• Mental health – We provide cover for mental health too, including anxiety and depression.

Find the best over 70s Travel Insurance for your trip

AllClear offers many types of Travel Insurance so you can choose one that’s right for your trip. 

Examples include:

• Single Trip Travel Insurance offers full protection extending for up to 45 days, ensuring peace of mind throughout your journey.
• Annual Multi-Trip Travel Insurance covers you if you’re planning on taking two or more holidays over 12 months. It may also be more cost-effective than buying Single Trip Travel Insurance for each holiday.
• Group Travel Insurance covers between two to ten travellers. This makes it a fantastic option if you’re travelling with friends and family.
• Cruise Travel Insurance provides essential cover for all aspects of your cruise. This includes onboard medical emergencies, cruise cancellations, cabin confinement and lost luggage. Around 30% of UK cruise customers are over 70 years old, with a further 33% between 60 and 69 years old, and it’s important to be covered for any unexpected issues you could face.
• Looking to enjoy some activities during your travels? Optional Sports and Activity cover is also available for pastimes like golfing . We’ll even cover your electronics with our gadget cover .

Countries covered by over 70s Travel Insurance

We provide Over 70s Travel Insurance for every destination. However, the region of cover you need will depend on where you’re heading.

Here’s what we cover:

• UK Travel Insurance provides cover for your UK trips for baggage and cancellation. However, we do not cover medical treatment in the UK
• European Travel Insurance will cover you on trips to European countries, as well as Egypt , Morocco and Tunisia.
• Worldwide Travel Insurance provides essential cover across the globe. You can also choose whether to exclude the USA , Canada and the Caribbean

How our Travel Insurance for Over 70s works: A simple 3 step quote process

You’ll first need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have. This way, we can provide the cover that best suits your needs.

3 . Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our experts say…

“We believe that everyone should be able to travel, and the over 70’s are no exception. There’s an assumption that older people are either unwilling or unable to see the world. Our data shows that this is wrong, and that there are plenty of holidaymakers exploring well into their 70s, and beyond. However, more than any other group, senior travellers need to make sure they have comprehensive cover in place for their trip.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

Our dedication to customer satisfaction has helped us understand our customers. 

With over 123,000 reviews on Trustpilot, it’s easy to see what our over 70s customers think about us.

What our Customers Say

Getting quotes for travel insurance… painless.

“Getting quotes for Travel Insurance when you are over 70 and with pre-existing medical conditions can be a painful experience. It, therefore, came as a ray of sunshine to be helped through the process by an incredibly helpful and lucid young woman. No jargon, hard sell or questions that I (doctor) didn’t understand. From start to getting the quote took a fraction of the time with other insurers and was also very competitive. Highly recommended.” – Dr Henderson

Frequently Asked Questions on Over 70s Travel Insurance

Why does travel insurance cost more when you turn 70.

Travel Insurance premiums are calculated based on several different factors. These include

• The destination you’re travelling to
• The length of your trip
• The type and severity of your medical conditions
• The level of benefits being offered to you

Does Travel Insurance have upper age limits?

AllClear Travel Insurance cover has no upper age limit. This means any traveller, regardless of their age, can buy a specialist policy.

Do you need to declare all your medical conditions for over 70s Travel Insurance?

Yes, you must declare all pre-existing medical conditions you have and that are fully within the medical warranty, even if you consider them minor or they are controlled with medication. Not declaring your medical conditions may lead to lack of cover during your trip. This could result in costly expenses if you have an accident while travelling.

For example, if you need an air ambulance from the USA back home, it could cost you between £80,000 – £100,000 without appropriate medical cover.

When should you buy over 70s Travel Insurance?

Financial expert Martin Lewis firmly believes that you should arrange Travel Insurance “ASAB” – “As Soon As you Book” to avoid being out of pocket if a medical condition forces them to cancel a trip.

You can buy your Over 70s Travel Insurance before or after you’ve booked your trip, but it must be before you travel.  Additionally, our Single Trip Travel Insurance policies can be bought 12 months before your holiday. As soon as you have secured your policy, the cover begins immediately if you have included the cancellation cover.

Alternatively, our Annual Multi-trip Travel Insurance can be bought up to 31 days before your first trip.

Do you need Over 70s Travel Insurance if you have a GHIC card?

Yes, you will still need Over 70s Travel Insurance even if you have a GHIC (previously EHIC) card. 

While a GHIC card gives you access to healthcare throughout the EU for medically necessary treatment, it will not cover you for repatriation costs (which can be extortionate) or complications relating to a pre-existing medical condition. Additionally, GHIC will not cover you for lost luggage, passports, documents, travel delays or personal liability.

What factors will affect the cost of Over 70s Travel Insurance?

In addition to your age and medical history, trip duration, destination, planned activities, personal items, and optional extras impact may impact the cost of your Over 70s Travel Insurance.

Longer trips and distant destinations often result in higher costs, while specialised cover for activities like golfing may require extra fees. 

It’s important to consider these factors when selecting your policy to make sure you have the right cover in place for your trip.

Can someone else join your Travel Insurance policy if they're under 70?

Yes, you can add someone else to your Over 70s Travel Insurance policy, even if they are under 70. 

You can find out how to add someone to your policy through our Group Travel Insurance cover or by speaking to one of our friendly members of staff .

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip

• United Kingdom
• Cruise Travel Insurance
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 22 April 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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Introduction to TravelSafe Travel Insurance

• Coverage Options
• Purchasing and Managing a Policy
• Customer Service and Support

Compare TravelSafe Travel Insurance

• Why You Should Trust Us

TravelSafe Travel Insurance Review 2024

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

TravelSafe Insurance is a travel insurance company owned by the Chester Perfetto Agency, which provides a wide array of travel insurance options such as health, life, and auto insurance. TravelSafe can cover longer trips than many of its competitors, but charges high rates. It's also known for its golf-specific coverage. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Among the companies included in our guide on the best CFAR travel insurance , TravelSafe Insurance offers thick insulation against the unpredictability of travel. The trips that TravelSafe Insurance can insure are on the higher end of the industry, covering trips lasting up to 150 days and costing up to $100,000. TravelSafe Insurance's Classic plan also offers coverage for people who are up to 100 years old. 

One standout feature of TravelSafe Insurance is that all of its plans offer primary coverage, so you can file immediately with TravelSafe Insurance instead of going through your health insurance provider first, even with TravelSafe Insurance's Basic plan. Many travel insurance companies only provide primary coverage with their higher-tiered plans. 

That said, TravelSafe Insurance's Basic plan costs more than many travel insurance companies' most expensive plans. This brings up the issue of cost. While its plans are technically within the bounds of the average cost of travel insurance, TravelSafe Insurance certainly stretches those limits, and it's certainly more expensive than many of the best travel insurance companies.

Ultimately, TravelSafe Insurance is best for travelers taking an expensive trip who can afford expensive insurance. 

Coverage Options from TravelSafe

TravelSafe Insurance has two main policies for those seeking travel insurance: travel insurance for stateside and international travelers and travel insurance for those who are planning golf trips. For each policy type, travelers can choose between classic and basic coverage. And golfers can choose between GolfSafe Secure and GolfSafe Secure Plus.

Here's how the three TravelSafe Insurance travel insurance plans stack up in terms of what's included and coverage limits:

TravelSafe Insurance also offers specific golf insurance plans, which is something incredibly unique among travel insurance companies. If you're an avid golfer, purchasing golfing insurance will cover things like lost holes, something regular travel insurance won't. TravelSafe Insurance's golf insurance plan benefits are as follows:

Additional coverage options from TravelSafe

TravelSafe Insurance offers several optional coverages for its travelers:

Rental car damage and theft coverage:  Available for both Basic and Classic plans, this add-on covers up to $35,000 per covered vehicle.

Business and sports equipment rental:  Also available for both TravelSafe Insurance plans, your rental equipment is covered for up to $1,000.

CFAR coverage: Only available for Classic+, you'll receive 75% of your nonrefundable trip costs. You must purchase your policy within 21 days of your initial trip deposit. 

TravelSafe Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for TravelSafe Insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate TravelSafe Insurance coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Basic: $112
• Classic: $147
• Classic (Plus): $274

Premiums for TravelSafe Insurance plans are between 3.7% and 9.1% of the trip's cost, within and above the average cost of travel insurance.

TravelSafe Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Basic: $153
• Classic: $202
• Classic (Plus): $377

Once again, premiums for TravelSafe Insurance plans are between 3.8% and 6.3% of the trip's cost, within the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Basic: $512
• Classic: $676
• Classic (Plus): $1,616

TravelSafe Insurance plans cost between 2.6% and 8.1% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Basic: $472
• Classic: $582
• Classic (Plus): $952

Premiums for TravelSafe Insurance plans are between 7.8% and 15.9%, which is well the average cost for travel insurance. While older travelers should expect higher premiums, these prices are on the higher end of what you should be paying. 

Purchasing and Managing a TravelSafe Policy

Purchasing a TravelSafe Insurance policy is fairly simple. You'll first need to obtain a quote through TravelSafe Insurance's website. Be prepared to provide the following details:

• State of residence
• Destination(s)
• Departure/return dates
• Date of initial deposit
• Total trip cost
• Number of travelers
• Birthday of traveler(s)

Once you obtain a quote and pick your plan, you'll enter some additional information about yourself, such as your address and contact information. 

How to File a Claim with TravelSafe

If you experience a loss while insured by TravelSafe, you need to act quickly. You have 20 days after the loss to notify TravelSafe Insurance, at which point an agent will send you forms for filing proof of loss. If TravelSafe Insurance don't send a form withi 15 days, you can send your own written statement about what happened along with proof. This must be completed within 90 days of the loss. 

You have several options if you need to file a claim for TravelSafe Insurance.

If you need emergency help, you can call their toll-free numbers below.

• Toll-free (US-only): 1-877-539-6729
• Direct: 1-727-475-2808

If you're international, call the following toll-free number: 1-866-509-7713.

TravelSafe Customer Service and Support

Almost all reviews for TravelSafe Insurance are concentrated on its SquareMouth page, where it has an average rating of 4.3 stars out five across over 1,500 reviews. Though an overall positive score, it's worth mentioning that most of the positive reviews come from people who didn't have to file a claim. Some of these reviews mentioned having to alter their insurance plan, which was an overall positive experience. 

However, many of the reviews that mention the claims process are negative. Customers mentioned long wait times, uncommunicative claims representatives, and little guidance during the claims process. Additionally, while many travel insurance companies regularly engage with reviews, both positive and negative, TravelSafe Insurance rarely replies to customer reviews.

Learn more about how TravelSafe Insurance travel insurance compares against top insurers. 

TravelSafe Travel Insurance vs Faye Travel Insurance

Faye Travel Insurance is a completely digital travel insurance company. Unlike TravelSafe Insurance, Faye Travel Insurance completely covers all cruise travel. Faye doesn't cover golf trips as TravelSafe Insurance does. They have similar amounts of coverage, but Faye Travel Insurance is about $20 cheaper for its comparable international plans.

Faye Travel Insurance covers your trip, your health, and your belongings just like TravelSafe Insurance does. But with Faye Travel Insurance, you can add different things that meet your needs, like car rental, extreme sports, and pet care.

Read our Faye travel insurance review here.

TravelSafe Travel Insurance vs World Nomads Travel Insurance

TravelSafe Insurance is an excellent option if you're traveling and participating in regular activities, like trying different foods and basic activities, like taking a train to places. But if you want to do extreme sports, it might not be the right coverage for you. Instead, consider getting a travel insurance plan like World Nomads Travel Insurance . World Nomads covers over 100 different extreme sports, and you can specifically add on different sports that you want to try. It's a better coverage insurance plan for someone who's a little bit more adventurous.

That said, if you're only planning on doing a specific activity, like golfing, TravelSafe Insurance has a plan for you. They cover golfing trips specifically with more coverage than World Nomads.

Read our World Nomads travel insurance review here.

TravelSafe vs Credit Card Travel Insurance

Some credit cards, especially travel rewards cards, come with travel benefits such as primary rental car insurance for your vehicle if you decide to rent one. However, travel insurance is generally more comprehensive than credit card coverage. For example, TravelSafe Insurance offers benefits like death and dismemberment coverage; credit cards don't typically cover this benefit.

However, you can use both your credit card benefits and your travel insurance to get the fullest coverage possible.

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

TravelSafe Travel Insurance FAQ

Yes, TravelSafe Insurance is known for providing reliable coverage for international travel, including medical emergencies and trip interruptions.

TravelSafe Insurance typically allows the purchase of travel insurance up until the day before departure, making it suitable for last-minute travel plans.

TravelSafe Insurance offers policies that include coverage for trip cancellations due to COVID-19, but it's important to review the specific terms and conditions of each plan.

Claims with TravelSafe Insurance are generally handled efficiently, with a straightforward process for filing and tracking claims, and timely reimbursements according to customer feedback.

Yes, TravelSafe Insurance offers the option to add adventure sports coverage to their policies, catering to travelers who engage in higher-risk activities.

Why You Should Trust Us: How We Reviewed TravelSafe

For this review, we made sure to include the most updated information and pulled real-time quotes from TravelSafe Insurance's website. We compared two different companies that had similar coverage to TravelSafe Insurance to ensure the best review possible. We only included reputable plans. And we looked at factors like what's covered, policy limits, and coverage options.

Read more about how Business Insider rates insurance products here.

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

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

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Looking To Buy Travel Insurance? Avoid These 5 Mistakes That Could Create Financial Nightmares For You

T ravel insurance might seem like just another checkbox while booking your trip, but it’s a vital safeguard against accidents and unexpected events for the smart traveller. Whether for booking flights, trains, or even those exciting hobby activities at your destination, travel insurance shields you and your family from unforeseen losses that can throw a wrench in your plans.

Most countries even require international travel insurance as part of their visa process. But beyond legal requirements, securing insurance offers peace of mind, particularly for extended trips, early bookings, or family vacations.

Let’s dive into the common pitfalls you should sidestep when choosing your travel insurance policy.

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Opting for the Cheapest Policy

A common trap is snapping up the cheapest travel insurance available. Though it might save you a few bucks initially, such plans usually provide minimal coverage and come with high deductibles. In an emergency, this could lead to significant out-of-pocket expenses. Always opt for a policy that provides extensive coverage at a fair price.

Hiding Pre-Existing Medical Conditions

When buying travel insurance, disclose any pre-existing medical conditions you have. Concealing your health history can void your policy, leaving you vulnerable during a medical crisis. Always be upfront and ensure the policy you choose accommodates your health needs.

Ignoring Specific Coverage for Your Destination

Always verify that your insurance covers your particular destination. Some policies exclude certain countries or regions. To avoid surprises, confirm your coverage scope with your insurer, ensuring it matches your itinerary.

Overlooking Optional Add-Ons

Travel insurance policies often offer extras like high-value item coverage or adventure sports insurance. Before finalizing your purchase, assess whether these additional protections are necessary for your journey. They might raise your premium slightly but could prevent hefty future costs.

Assuming Comprehensive Coverage

Never assume your policy covers all possible scenarios. Travel insurance often excludes high-risk activities like extreme sports. If your vacation plans include potentially dangerous adventures like skiing or bungee jumping, you might need to secure extra coverage. Familiarize yourself with the exclusions and limitations of your policy to avoid unexpected gaps in coverage.

© 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

This article Looking To Buy Travel Insurance? Avoid These 5 Mistakes That Could Create Financial Nightmares For You originally appeared on Benzinga.com .

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

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

Policy highlights

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

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

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

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

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

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

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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