vacation to go travel insurance

• Vacation Insurance

Protect Your Getaway with Vacation Insurance

Find the best vacation protection at the lowest price for your upcoming trip.

Get Vacation Insurance Quotes

Search comprehensive and medical-only policies from 20+ carefully vetted providers. Easily compare plans to find the best option for your trip.

We understand that plans can change. That's why all plans found on Squaremouth are backed by a generous Money Back Guarantee policy.

For more than 20 years, Squaremouth has provided millions of customers with award-winning support before, during, and after their trips.

No trip is risk-free. Whether you're planning your dream getaway or a much needed family vacation, travel insurance can help protect you from the unexpected.

From unexpected injuries while traveling to hotel stays for overnight delays, vacation insurance offers comprehensive benefits to cover the costs of common travel disruptions.

Squaremouth helps travelers compare vacation insurance plans from the top providers within seconds. Our award-winning customer service team is also on standby to help you find the policy that best fits your specific needs.

Key Vacation Insurance Benefits

Is vacation insurance worth it.

Insuring your vacation is a great way to protect yourself from financial loss in the event your trip is impacted by unforeseen events. The cost of travel insurance can be minimal compared to the potentially high cost of overseas medical treatment, trip cancellations, and other trip disruptions. A vacation protection plan can refund those expenses.

What is Vacation Medical Insurance?

Nothing can put a damper on a vacation like falling victim to an illness or injury while traveling. Travel medical insurance can cover the cost of receiving medical treatment abroad, including hospital bills, ambulance rides, physician visits, and prescription medication. Most medical policies can also cover medical evacuations should you need to be moved to another medical facility.

How Much Does Vacation Insurance Cost?

The cost of travel insurance depends on multiple risk factors, such as the traveler's age, trip cost, destination, and trip length. In general, the cost of comprehensive vacation insurance with cancellation benefits will be between 5-10% of the total insured trip cost. Travelers who only want medical insurance for their vacation can save big on their premium.

How Do You Buy Vacation Insurance?

To begin your search for vacation protection, enter some basic details about your upcoming trip into the respective fields at the top of this page. You can then review and compare policies that you're eligible for. Use filters and sort results to help narrow down the best policy for your trip. If you would like assistance at any point, feel free to call our customer service team at 1-800-240-0369 from 8am to 10pm ET

We're here to help!

Have questions about travel insurance coverage? Call us! 1-800-240-0369 Our Customer Service Team is available everyday from 8AM to 10PM ET.

Find the Best Travel Insurance

Quote and compare policies from all major providers to find the best travel insurance policy for your vacation at the lowest possible price.

• Compare policies from every major travel insurance provider
• Instantly quote, compare, and purchase the best policy for your trip
• Our multi-award-winning customer service team is available 7 days a week to answer your travel insurance questions
• Use more than 100,000 verified customer reviews to refine your travel insurance quote
• Protect yourself with our Zero Complaint Guarantee - our promise to only sell policies from the best providers in the industry

The Go Plan from Generali Global Assistance

Troubles such as illness, injury of a family member, adverse weather causing delayed flights or lost luggage can occur when you least expect them and may affect your vacation. Travel insurance can help protect your vacation investment and provides added comfort so you can enjoy your trip. If you decide to purchase travel insurance, you have the option of using our preferred partner, Generali Global Assistance. The Go plan featured here can protect you before, during and after your trip with important insurance coverage and concierge services.

Plan Details

Some of the covered reasons for trip cancellation and trip interruption include:

• Covered sickness, injury or death of you, a family member or traveling companion
• Common carrier delays resulting from inclement weather, mechanical breakdown or unannounced strikes
• Financial insolvency of a travel supplier
• Your primary residence or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
• Mandatory hurricane evacuations
• Being called into emergency military duty for a natural disaster
• A documented theft of passports or visas
• Your involuntary termination of employment or layoff after you've been working with the same employer for at least one year (applies to trip cancellation coverage only)
• A terrorist act which occurs in your departure city or in a city to which you are scheduled to travel while on your trip, and which occurs within 30 days of your scheduled departure date

The table below provides the coverage and benefit limits of the Go plan.

The Go plan also includes informational services and concierge services from Generali’s designated provider.

Informational Services These services include travel guidance before you leave home and during your trip.

Concierge Services Get pre-trip assistance scheduling golf tee times, making restaurant, airline and rental car reservations or obtaining tickets for performances and special events.

All benefits and services are described on a general basis. For complete details on policy exclusions and benefits, contact Generali Global Assistance for a sample plan document.

For trips over $10,000 per person or longer than 31 days in length, please contact your Vacations To Go travel counselor for a price. All prices include a travel insurance premium and an assistance services fee.

Other Details

Purchase Rule This plan must be purchased the same day the first trip payment is made. In addition, the traveler must be medically able to travel at the time the policy is purchased.

Free Look Generali offers a free look period (varies by location) for the Go plan. In the days after you purchase your plan, you have the ability to cancel your coverage and receive a full refund of the plan cost as long as you haven't left for your trip or filed a claim.

Policy Confirmations You will receive a plan document which describes the benefits and limitations in detail. If you do not receive your documents within 10 days or 24 hours for email, call Generali Global Assistance at 800-994-3765.

Note : Insurance coverage is provided to all travelers listed on the policy, who must be residents of the United States or purchase this insurance from a company that is based in the United States.

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

9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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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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Is travel insurance worth it?

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

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

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

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

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

Getting travel insurance

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

• New airline regulations in 2024

How much does travel insurance cost?

• Bottom line

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

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

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

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

Travel Guard® Travel Insurance

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

Policy highlights

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

24/7 assistance available

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

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

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

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

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

Trip cancellation

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

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

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

Trip delay 

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

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

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

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

Trip interruption

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

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

Baggage loss

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

AXA Assistance USA Travel Insurance

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

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

Medical expenses and emergency evacuation

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

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

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

New airline regulations in April 2024

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

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

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

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

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

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

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

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

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

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Southwest Rapid Rewards® Plus Credit Card

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

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

21.49% - 28.49% variable

Foreign transaction fees

Excellent/Good

American Express® Gold Card

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

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

Not applicable

See Pay Over Time APR

See rates and fees , terms apply.

Read our American Express® Gold Card review .

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

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

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

When should I get travel insurance?

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

Does travel insurance cover COVID-19?

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

Bottom line 

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

Compare and find the best life insurance

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

Meet our experts

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

Why trust CNBC Select?

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

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

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

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Travel Insurance

Choose a plan now; rest easy later., why use travel protection.

We recommend Travel Protection because of common travel problems such as flight delays, injuries and illness, unpredictable weather, and lost or stolen luggage. Our Travel Insurance Plan provides protection designed just for travelers and can provide coverage for many of the things that can go wrong before and during your trip.

Some Travelers Aren't Covered by Credit Card Travel Protection - generally, these travel benefits only apply to the cardholder, so other passengers traveling with you are left without options!

Concern Over Preexisting Conditions - Most credit card coverage excludes cancelation due to preexisting conditions, our travel insurance will have your back no matter what!

Extra Assurance & Coverage - Credit card protection includes a variety of limitations to potential or unexpected events that could arise when you travel, our insurance provides you extra assurance that you have coverage on a wide variety of issues.

Top Ten Reasons to Use Travel Insurance

• You have to cancel your trip due to an unexpected event such as bad weather, an illness in the family, or the financial default of your airline, cruise line or tour operator.
• You have to return home early due to an unexpected emergency such as an illness or death in the family.
• Your luggage is lost or delayed, forcing you to purchase essentials, or prescription medications.
• Your luggage or personal effects are damaged or stolen.
• You become ill or injured and learn that your health care plan doesn't cover you outside the U.S.
• You need an emergency medical evacuation due to an accident or sudden illness.
• You run into flight delays and miss a portion of your trip or cruise.
• Your trip is interrupted due to an unexpected hurricane or storm.
• You lose your passport, leaving you stranded abroad.
• You need assistance with replacing a prescription or an emergency cash transfer.

Why LeisureCare?

The LeisureCare Travel Protection Plan is provided through Aon Affinity, a worldwide leader in travel protection and assistance services plans..

LeisureCare plans provide:

• Coverage you can count on.
• A broad array of coverages provide protection specifically designed for travelers.
• A world of service.
• Aon Affinity provides a suite of travel assistance services you can begin using from the moment you purchase your plan.
• Lose your passport? Need a translator? Have to send a message to family or friends? Call anytime. We're here to help.
• Always there, everywhere. Whether you need a medical evacuation from a remote corner of the world or help to track a lost bag, Aon Affinity's 24-hour toll-free travel helpline is just a phone call away.

Include the LeisureCare Travel Protection Plan! Call your Vacation Specialist today!

This is only a brief overview of coverages. For additional information including terms, conditions and exclusions, refer to the plan description.

To view descriptions of coverage with summaries of the terms, conditions, and exclusions, click on the appropriate link. Your travel agent will provide you with your best options at the time of booking.

• Standard Cruises, land vacations, etc., when buying insurance at the time of deposit or up to 15 days thereafter. LeisureCare Standard
• Standard cruises, land vacations, etc., when buying insurance within 1 and 15 days of the deposit. LeisureCare Classic
• Luxury Cruises, available with deposit and up to within 7 days of final payment. LeisureCare Luxury
• Cancel for Any Reason Insurance. Can only be purchased on non-luxury cruises at the time of deposit. LeisureCare with Cancel For Any Reason

This is only a brief overview of the benefits and services of the plan. Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. On & On Inc. DBA TravelPerks Dream Vacations is licensed under OR License #100228074

The Go Plan from Generali Global Assistance

Troubles such as illness, injury of a family member, adverse weather causing delayed flights or lost luggage can occur when you least expect them and may affect your vacation. Travel insurance can help protect your vacation investment and provides added comfort so you can enjoy your trip. If you decide to purchase travel insurance, you have the option of using our preferred partner, Generali Global Assistance. The Go plan featured here can protect you before, during and after your trip with important insurance coverage and concierge services.

Plan Details

Some of the covered reasons for trip cancellation and trip interruption include:

• Covered sickness, injury or death of you, a family member or traveling companion
• Common carrier delays resulting from inclement weather, mechanical breakdown or unannounced strikes
• Financial insolvency of a travel supplier
• Your primary residence or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
• Mandatory hurricane evacuations
• Being called into emergency military duty for a natural disaster
• A documented theft of passports or visas
• Your involuntary termination of employment or layoff after you've been working with the same employer for at least one year (applies to trip cancellation coverage only)
• A terrorist act which occurs in your departure city or in a city to which you are scheduled to travel while on your trip, and which occurs within 30 days of your scheduled departure date

The table below provides the coverage and benefit limits of the Go plan.

The Go plan also includes informational services and concierge services from Generali’s designated provider.

Informational Services These services include travel guidance before you leave home and during your trip.

Concierge Services Get pre-trip assistance scheduling golf tee times, making restaurant, airline and rental car reservations or obtaining tickets for performances and special events.

All benefits and services are described on a general basis. For complete details on policy exclusions and benefits, contact Generali Global Assistance for a sample plan document.

For trips over $10,000 per person or longer than 31 days in length, please contact your Vacations To Go travel counselor for a price. All prices include a travel insurance premium and an assistance services fee.

Other Details

Purchase Rule This plan must be purchased the same day the first trip payment is made. In addition, the traveler must be medically able to travel at the time the policy is purchased.

Free Look Generali offers a free look period (varies by location) for the Go plan. In the days after you purchase your plan, you have the ability to cancel your coverage and receive a full refund of the plan cost as long as you haven't left for your trip or filed a claim.

Policy Confirmations You will receive a plan document which describes the benefits and limitations in detail. If you do not receive your documents within 10 days or 24 hours for email, call Generali Global Assistance at 800-994-3765.

Note : Insurance coverage is provided to all travelers listed on the policy, who must be residents of the United States or purchase this insurance from a company that is based in the United States.

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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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Planning a trip involves a lot of moving parts, and while you want everything to go smoothly, the truth is that unexpected things can happen. In these cases, travel insurance can help make those issues easier to deal with — whether it’s by paying for your hospital bills in another country or reimbursing you for lost luggage.

However, the types of travel insurance that are available to you depend on when you purchase your policy. Let’s look at when to buy travel insurance, how late you can buy travel insurance and what different policies can offer.

The different types of travel insurance

There are many different kinds of travel insurance coverage depending on your needs. Here are some of the most common.

Trip cancellation insurance . Will reimburse nonrefundable costs when your trip is canceled due to a covered event. 

Trip interruption insurance . Pays costs incurred when a trip is cut short for a covered reason. 

Trip delay insurance . Provides financial assistance in case your flight is delayed beyond a certain amount of time.

Travel medical insurance . Covers medical costs for illness or accidents that arise during your travels.

Emergency evacuation insurance . Pays for the cost to evacuate you elsewhere (reasons can vary from medical to extreme weather).

Accidental death and dismemberment (AD&D) insurance . Like life insurance, it provides a payout to a beneficiary in the event of death or dismemberment during travels. 

Baggage loss insurance . Will reimburse you if your bag is lost, stolen or damaged.

Rental car insurance . Provides insurance for collision and damage to a rental car.

Cancel for Any Reason insurance (CFAR). An optional add-on that covers a portion of nonrefundable costs if you choose to cancel your trip for any reason.   

» Learn more: What does travel insurance cover?

How early can you buy travel insurance?

Understanding when to get travel insurance can make a big difference in the policies you’re able to purchase. Typically, you can’t buy one before knowing some details about your trip.

While it’s possible to purchase a policy before you’ve booked your flights or made other travel plans, many insurers ask you for information about your trip to help you find the correct insurance. This means you’ll need to at least know where you’re going, when you’re going and the cost of your trip before purchasing travel insurance.

Multi-trip or annual travel insurance can cover you for a year with a single purchase. This is convenient if you travel frequently or take last-minute trips.

When to purchase travel insurance

So if you can’t buy travel insurance before doing some preliminary trip planning, you might be wondering “When should I buy travel insurance?” The answer to that is that it depends on what you want covered.

This is because not all types of coverage are available at all times. Two notable examples include CFAR insurance and pre-existing medical conditions.

CFAR insurance is a supplement to your existing policy that allows you to cancel your plans for any reason. Standard trip cancellation or interruption insurance requires that you cancel for a covered reason to receive reimbursement. Covered reasons may include sickness, death, job loss or financial insolvency, but CFAR insurance faces none of these limitations.

Many insurance companies only give you a short window to purchase a CFAR add-on. This will generally be within two to three weeks of your initial trip deposit, but the deadline varies by insurer so be sure to double-check if you’re interested in this type of coverage.

Likewise, many travel medical policies specifically exclude coverage of pre-existing health conditions — unless you take some additional steps in a timely manner. Some policies will cover acute re-occurrence of the pre-existing condition, provided you complete a waiver within a specific time period, usually within two weeks of your first trip payment.

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

When is it too late to buy travel insurance?

It’s a good idea to purchase travel insurance sooner rather than later, especially if you’re interested in any time-sensitive add-ons. However, running late on buying insurance doesn’t mean that you’re out of luck.

While you’ll likely get better coverage if you buy a policy soon after making an initial payment on your trip, it’s still possible to buy a plan if your trip is days away — or if you’ve already departed. Typically, these plans may include things like trip interruption, emergency medical and baggage delay coverage, but they won’t provide trip cancellation or other pre-departure benefits.

Credit cards that offer travel insurance

It’s tempting to purchase a travel insurance policy when planning a trip, but before you do, you’ll want to do some research. Many travel credit cards offer complimentary travel insurance. To qualify, you’ll need to pay for your trip with your card. Keep in mind that different cards have different coverage limits.

The Chase Sapphire Reserve® card, for example, is a premium travel credit card that provides a wide range of coverage:

Trip cancellation, interruption and delay insurance. 

Baggage delay and lost luggage insurance. 

Emergency medical and evacuation insurance. 

Travel accident (AD&D) insurance. 

Rental car insurance. 

The coverage offered by the Chase Sapphire Reserve® isn’t limited to just the cardholder; immediate family members are also included in this policy. They don’t even need to be traveling with the cardholder to receive coverage as long as the trip was charged to the card.

» Learn more: The best credit cards for travel insurance benefits

When should you buy travel insurance?

Purchasing travel insurance isn’t mandatory for a good vacation, but it can certainly come in handy if your plans go awry. While it’s possible to buy travel insurance up until just before — or even after — you depart, the best time to do so is shortly after you begin booking the trip. This allows you to provide the information required to buy a policy while also remaining eligible for time-sensitive add-ons and benefits like trip cancellation.

Before you purchase travel insurance, however, you’ll want to take a look at any travel credit cards you own to see what types of complimentary insurance they offer.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

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

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

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

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

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

Protect Your Trip »

Cruise packing list: the essentials chosen by experts.

This cruise packing list includes all of the essentials – plus items you didn't know you needed.

Essentials to Pack for a Cruise

Packing for any trip takes some planning, but cruise vacations present a unique challenge – particularly due to limited stateroom storage space and sparse (or overpriced) options for purchasing accidentally forgotten items.

To help you decide what to pack for a cruise, we've curated a list of essentials recommended by cruise experts who regularly sail the high seas. Download the U.S. News Cruise Packing List pictured above to reference while you pack, and read on to learn more about the recommended items and where you can purchase them if needed.

• For packing and planning
• For travel and embarkation day
• For the cabin
• For the ship and shore excursions

Find your perfect cruise

Carry-on bag

Regardless of whether you bring checked luggage, you'll need some type of carry-on bag . Since checked bags need to go through security as they do at airports – and because you may need to wait for your stateroom to be ready, just like at a hotel – you'll want to be able to access any necessities pre-cruise. These might include a swimsuit, sunscreen, sunglasses and a hat for the pools; medications; a bottle of water; and your smartphone, of course. You'll also want to keep your credit card , passport, and any other important documentation or valuables close by. A carry-on backpack works especially well since it can double as a day bag for shore excursions.

Checked bag

While you'll likely want to bring a checked bag, consider sharing one with your ship mate(s) to maximize stateroom storage space. Or, consider bringing medium-sized luggage, such as the The Medium by Away , for checking in.

Read: The Best Checked Luggage Options

Garment bag

Courtesy of Halfday

While many cruises are less formal these days, a garment bag can still be handy for keeping select garments wrinkle-free (since clothing irons are prohibited on cruise ships). Top-rated options include the The Garment Duffel by Halfday and the Briggs and Riley Baseline 22" Carry-On 2-Wheel Garment Bag , both of which double as traditional luggage. If you pack your luggage right, you can make this your only suitcase, in addition to a carry-on bag.

Packing cubes or vacuum-sealed bags

Packing cubes are one of the best ways to organize your belongings for travel – especially in a tight cruise ship cabin. Top-rated options include the Veken packing cubes on Amazon (usually priced around $20) and all of the Pack-It Sets by Eagle Creek. The Pack-It Starter Set is especially ideal for cruising since it includes a garment folder designed to minimize wrinkles in clothing. Some cruisers also swear by vacuum-sealed bags , even though they can be a bit more tedious to pack.

Carry-on caddy

Ashley Kosciolek, senior cruise writer at The Points Guy, recommends a carry-on caddy , particularly if you're flying to your embarkation point. "I have a fabric sleeve that slides down over the telescoping handle on my carry-on to provide pockets for my passport, phone, coffee – all the things I used to have to juggle during check-in."

Digital luggage scale

The compact Etekcity scale – approximately $10 on Amazon – can weigh bags up to 110 pounds and help you avoid overweight baggage fees.

Bungee cord

"Especially for travelling with the family, I use a bright-green bungee cord to strap multiple pieces of luggage together," says Aaron Saunders, senior editor at Cruise Critic. "It's a lifesaver when boarding trains or disembarking ships, particularly when you ' re maneuvering a stroller and a little one around, too."

Luggage tracker

Courtesy of Apple

A luggage tracker isn't just useful for air travel. Attach one to your checked cruise luggage to see when it has arrived in your stateroom (or if it's stalled at security). Chris Gray Faust, executive editor at Cruise Critic, doesn't go anywhere without her Apple AirTag after her luggage got stuck in Vancouver for over a week last June. "My AirTag use has expanded beyond my checked luggage, too. I also have AirTags in my handbag, my carry-on, my keychain and my wallet."

Cruise insurance

Due to the unpredictable nature of travel, cruise insurance can be a wise purchase ahead of your voyage. Travel policies can cover unforeseen expenses such as trip interruptions and medical emergencies.

While a passport is often required for cruising, rules can vary depending where you're traveling. Determine whether you need a passport for your upcoming cruise ; if you do, triple-check that you have it packed the day of departure.

Credit cards and local currency

When cruising internationally, consider getting small amounts of each country's currency to have on hand in port. Depending where you go, some local markets may only accept their own country's currency, not U.S. dollars or credit cards. It's also nice to leave cash gratuities for cab drivers, tour guides or servers; in the European Union, 1- and 2-euro coins are convenient and appropriate tips. In ports with vendors that do accept credit cards, be sure to carry a Visa or Mastercard , as some shops and restaurants do not take American Express .

RFID wallet

It's important to protect your travel documents with an RFID wallet like the TIGARI Passport Holder or the ZOPPEN RFID Travel Passport Wallet , the latter of which can hold multiple passports for a family. "Thieves and hackers can steal your credit card information just by using skimming devices," explains Jill Schildhouse, a cruise expert and U.S. News contributor who always travels with her RFID wallet. "And because your wallet wasn't even touched, you won't know it happened until you see your credit card statement."

Medications

Pack more than enough of your prescription medications as well as any over-the-counter medicines you'll need, just in case you encounter an itinerary change or travel delay. While some travelers find it easiest to bring personal medicines in their prescription bottles, others find travel pill boxes to be especially helpful for organization. The Sukuos Weekly Pill Organizer is a well-rated option, with detachable boxes for each day as well as compartments for morning and evening medications.

Sheet masks

Since flying can be so drying for the skin, Faust likes to use sheet masks. "My first step the night before I board (because you should always fly in a day early) is to hydrate with a sheet mask (usually from a Korean brand like Ballon Blanc or FaceTory )," she says. "If I'm meeting up with a friend, I bring an extra sheet mask so our trip starts out feeling a bit like a spa day!"

Magnetic hooks

A surprising fact: Cruise ship cabin walls are made of metal, which means you can optimize your storage space by hanging some of your belongings on magnetic wall hooks. The hooks are perfect for holding bulky coats or boots if you're traveling to a colder climate. You can also use them for wet gear on expedition ships and adventure cruises, or for drying out bathing suits after days at the beach or pool. Purchase a set of magnetic hooks for less than $10 on Amazon .

Like hotels, cruise ships can only provide so many hangers. Bring a few extras from home or pick up a pack from your local dollar store. You might also try packable hangers .

Wrinkle release spray

Whether or not you bring a garment bag, a travel-size bottle of wrinkle release spray, such as Downy Wrinkle Releaser spray , is useful to have on board. If you combine a spritz or two with the steam from your shower, you should be able to smooth out some of the wrinkles in your clothing.

Laundry detergent

"If you don't want to pay for laundry service or spend precious time in the self-service laundry room, bring a small bottle of laundry detergent like Woolite to wash key items in the sink: underwear, bras, quick-dry hiking shorts, bathing suits, etc.," recommends Schildhouse. "Every cruise ship shower has a retractable clothesline you can extend to drape the clothes over while they dry. This can also help cut down on the number of items you need to pack."

Over-the-door organizers

Over-the-door organizers with clear or mesh pockets allow you to find your feminine hygiene products, makeup, jewelry and other small items quickly – without having to hunt through multiple drawers or a tight stateroom closet. It's a good idea to purchase a two-pack like this option by Simple Houseware Store (available on Amazon), since you can also use one to store shoes and maximize floor space.

Courtesy of Poo-Pourri

It goes without saying, but to say it anyway: A toilet spray like Poo-Pourri is a must for your cruise packing list. Any smell – pleasant or not – will travel quickly in small staterooms with small bathrooms. Buy a travel-size bottle to keep in your cabin.

Shampoo and conditioner

Cruise experts agree it's best to bring your own shampoo and conditioner in travel-size bottles, as most cruise ships don't provide separate shampoo and conditioner anymore; instead, they offer all-in-one dispensers. Colleen McDaniel, editor-in-chief at Cruise Critic, likes to pack her shampoo and conditioner in the popular Cadence Capsules , noting she also uses them for another essential: sunscreen. "These capsules are easy to fill, never leak and have clear labels, which you can customize," she says.

Wine or Champagne

Most major cruise lines allow each guest to bring one to two bottles of wine or Champagne on board, while some luxury cruise lines allow even more than that. Disney Cruise Line also gives guests the option to bring a six-pack of beer instead of wine or Champagne. Be sure to consult your cruise line's policies when packing for your trip.

If you plan to bring wine or Champagne, you'll likely need a corkscrew . While some cruise lines may prohibit corkscrews, others allow them onboard; check your cruise line's policy before sailing. Bringing wine with a twistable cap may be a good alternative.

Portable humidifier

Cruise ship cabins can feel dry – especially in the colder months. A portable humidifier like the GENIANI Erie (around $25 on Amazon) can provide some relief. At about half a pound, this USB-powered device will fit neatly into your checked bag or carry-on luggage. The travel humidifier features two mist settings and has an automatic shut-off option, plus a night light to help you see around your cabin in the dark.

International travel adapter or converter

You'll likely need a travel adapter, since cruise lines homeported in international locales may have different electrical sockets and voltage strengths than you're used to in the U.S.

McDaniel recommends the OneWorld65 Travel Adapter . "I've used a lot of different travel adapters over the years, but this is my favorite. It charges up to six devices at once, has USB and mini-USB options, and works in over 200 countries," she says. "While many cruise ships have U.S. outlets, most usually also have European outlets. This adapter lets me take advantage of that outlet I'd otherwise ignore." She also notes that while cruise lines are getting better about having more outlets on their ships, it never feels like enough to keep your phone, camera battery, tablet, watch, headphones/earbuds and laptop charged (times two or more if you're traveling with others).

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Sound machine

Cruise experts agree a sound machine can be helpful for blocking out the sound of late-night partiers returning to their staterooms (or your snoring spouse). Schildhouse likes the LectroFan Micro 2 for cruising. "It plays non-looping white noise and doubles as a speaker to play tunes while you get ready for dinner."

Tech organizer

Courtesy of Bagsmart

A tech organizer like the BAGSMART electronics organizer case – available on Amazon for about $20 – can store all your cables, plugs, SD cards and earphones in one zippered, compact bag that will fit easily in your carry-on luggage. Despite its small size, it can also hold bulkier items like a small laptop charging cord.

First-aid kit

A first-aid kit is a good thing to have on hand no matter where you go. You can make your own using supplies you already have at home, or buy a premade first-aid kit on Amazon for about $20. While all cruise ships have medical facilities, it's useful to have these items with you on shore excursions, especially those involving active adventures.

Hand sanitizer

Regularly washing your hands and/or using hand sanitizer is essential to staying healthy while traveling, especially on a cruise ship. Stock up on a few travel-size bottles of hand sanitizer (less than $2 each at Walmart) ahead of your trip. If you're looking for something with less alcohol that's also less drying, check out Babyganics Alcohol-Free Foaming Hand Sanitizer .

If you're a parent, you know that your infant or toddler needs a very specific size – and in some cases brand – of diapers, which may very well be unavailable to you on your cruise ship or in the ports of call. Bring more than enough diapers to play it safe at sea.

Most cruise lines also require that non-toilet-trained infants and toddlers wear swim diapers in the children's water play areas. For the sake of sanitation, kids must be toilet-trained to use the pools on cruise ships.

Many cruisers like to personalize their cabin with stateroom door decor. Not only is it a fun tradition, but decorating the door can make it easier to locate your room, too. You can find lots of fun decor ideas on Pinterest as well as Amazon.

" Duct tape is a life-saver in many situations," says Kosciolek. "I primarily use it to attach my printed luggage tags, but it's also great for mending clothing issues on the fly and fixing broken luggage until you can get it back home."

"As a parent, I like to bring lanyards with sleeves so my kids can wear their keycards and not lose them," says Erica Silverstein, senior cruise editor at The Points Guy. "We hang them on the magnetic hooks I put on the wall, so they don't get lost in the cabin either."

Courtesy of Sea-Bands

If you're prone to (or think you may be prone to) motion sickness on cruise ships, put a pair of Sea-Bands on your cruise packing list. These soft wristbands use acupressure to prevent and minimize nausea and vomiting on board, and they are a reusable, drug-free alternative to traditional anti-nausea medications. You can purchase Sea-Bands on Amazon or at most drugstores.

If you need something a bit stronger than Sea-Bands (or to use in conjunction with them), Dramamine remains a tried-and-true solution for both preventing and treating sea sickness. Choose the Less Drowsy formula to avoid getting sleepy, and consider the chewable tablets (dye-free) if traveling with kids who are prone to queasiness. Many travelers like Bonine as a remedy for sea sickness as well.

Mix-and-match clothing

Pack a variety of mix-and-match items, also known as a capsule wardrobe, for your cruise. To do this, choose a base color – black or navy blue – for your wardrobe. Next, pack plain, neutral-colored items, then add a few patterned items to the mix. Remember to include a variety of styles (T-shirts, long-sleeved shirts, pants, shorts, dresses, rompers and jumpsuits) and also consider reversible clothing and outfits that can easily transition from day to night.

Sports jacket or blazer

Adam Coulter, executive editor of Cruise Critic UK & Australia, recommends packing a sports jacket or blazer. "While cruise lines are getting more casual, what happens if you get that last-minute invite to meet the captain, or there's a meet and mingle where you want to look put together? A jacket will always elevate your elegance (even if you're wearing a T-shirt underneath)," he says. If you're in need of a travel blazer, Bluffworks has some well-rated options; the Gramercy , in particular, gets great reviews.

Themed party attire

Some cruise lines host themed voyages or parties on select nights where passengers can dress up to participate in the fun. You'll want to review your cruise itinerary before you go so you're prepared for the festivities. Bring your buccaneer gear if you're sailing aboard Disney Cruise Line; ships host fun events like Pirate Nights, pirate-themed dinners and a "Pirates in the Caribbean" show. On "The Love Boat"-themed cruises offered by Princess Cruises , pack your platform boots, glittery dresses, bell-bottom pants and halter tops for the line's 1970s-inspired disco party on the deck. No matter the theme, you can't go wrong with a couple of captain hats .

Travel wrap

A travel wrap is a versatile accessory that's useful for any trip – even more so on a cruise ship where it can get chilly when the sea breeze picks up. Available in nearly 10 different colors, J.Crew's Oversized Cashmere Wrap is a timeless staple, albeit a bit of an investment; for something less expensive but well rated, try this off-brand pashmina shawl on Amazon .

Packable jacket

Courtesy of Patagonia

If you're cruising to a cold weather destination such as Alaska, you'll need something heavier than a travel wrap, but not so bulky that it requires additional luggage. Consider a packable jacket that folds easily and compactly; travel experts highly recommend the Patagonia Nano Puff Jacket .

Packable hat

If you're headed to the Caribbean or another warm weather destination, you'll want a beach hat to protect your scalp and face from the sun. This packable straw hat by FURTALK (available on Amazon for about $25) is a stylish women's option that features a broader brim and offers UPF 50 sun protection.

Comfortable walking shoes

Courtesy of Allbirds

Even if you never step foot off the ship, there is still plenty of walking to do between bow and stern. Closed-toe shoes or sandals with straps are safer than flimsy flip-flops when boarding a slippery tender into port (if your ship can't dock directly). Check out our recommendations for the most comfortable walking shoes , which include the popular Allbirds Wool Runners and the ECCO Yucatan Sandals .

Water shoes

Depending on your scheduled shore excursions, you might also need a pair of water shoes. For something that's both functional and fashionable, Crocs' Classic Clogs are a good option. While not totally waterproof, the Native Jefferson is a water-friendly, versatile option.

Versatile heels

"Over the years, I've learned that the key to avoiding overpacking is to bring one neutral pair of low heels that match every single eveningwear outfit I've packed – from flowy pants to dresses," says Schildhouse, who loves her Rockport Tabitha 2-Strap Heeled Sandals . "They have a cushioned footbed and shock-absorbing heel so you can dance the night away in the club, and a 3-inch block heel with traction to keep you steady on your feet even if the ship's rocking a bit."

Reusable water bottle

A reusable water bottle is useful for filling up at water and beverage stations on your cruise ship; it's also a necessity for shore excursions.

Bathing suit

Pack a couple of swimsuits for the pools, hot tubs and any shore excursions.

Swim cover-up

Another must-have for your cruise packing list is a swimsuit cover-up or two. These are great for wearing over your bathing suit during days at sea, as well as on excursions – especially if you're going on a Caribbean cruise . Amazon sells a variety of stylish, affordable cover-ups, and you can never go wrong with a classic white button-down shirt .

Dry bags are useful for shore excursions where you're likely to get wet but don't want the same to be true for your phone, camera and other precious items. "I use the Outdoor Research Unisex Dry Isolation Pack   and have never had so much as a drop of moisture enter it, which is important for me – it keeps my cameras, documents and important items from getting wet," says Saunders, adding that it functions as a great everyday backpack when it's not raining.

If you need more than one dry bag, cruise expert Brittany Chrusciel recommends the Sea to Summit Lightweight Dry Bag Set . "Having these dry bags, in a variety of sizes, means I can bring all my gear along during a Zodiac cruise or snorkeling excursion without having to worry about it getting wet."

Waterproof phone case

A waterproof phone case is also essential, especially if you plan to take photos. The Hiearcool Waterproof Phone Pouches (available in a two-pack) come with a lanyard so you can both protect your phone and wear it around your neck. They are compatible with most smartphones.

"I like to bring collapsible pails, small shovels , inflatable beach toys, a floppy Frisbee or other things to entertain the kids on the beach if we're going to a private island or beach destination," says Silverstein. "If you can inflate your own inner tube, you don't need to rent a floating mat."

Beach towel

"Although cruise lines provide guests with towels to take off the ship on excursions, they are often bulky and sometimes small," explains Chrusciel. "The Surfer Towel folds up to nearly nothing, so it takes up almost no room in your suitcase and is super convenient to pack in a day bag. What's more, its quick-drying technology means that the lightweight fabric won't be soaking wet when you need to pack up for the day and head back to the ship."

Towel clips

"Even though giant plastic towel clips shaped like a flamingo are a bit cringey, they make it easy to find your spot in a sea of sun loungers," says Chrusciel. "They also solve a common cruise problem: keeping your towel securely fixed to your chair while reading or sunbathing."

Reef-safe sunscreen

Courtesy of Badger

When choosing a sunscreen, look for something that's reef-safe; not only are these sunscreens safer for the environment, but they're also better for you . The active ingredients in reef-safe sunscreens, also known as mineral sunscreens, are zinc oxide, titanium dioxide or a combination of both. Top-rated mineral sunscreen brands include Think , Badger and Raw Elements , all of which also sell lip balm with sunscreen (another essential at sea).

After-sun lotion

You'll want an extra dose of moisturizer if you've been basking in the sun. COOLA makes an after-sun body lotion that cools and hydrates the skin with aloe vera, agave and lavender oil. Previous buyers rave about this lotion, noting they appreciate that the scent isn't overpowering.

A good book

Sea days are the perfect time to kick back and relax with a book you've been meaning to read. Find an oceanfront lounge chair in a shaded area on the pool deck, or grab a cup of tea and settle into a quiet nook indoors. There's no need to pack more than one book, however, as many cruise ships have libraries.

What not to pack for a cruise

Power strip.

Many cruise lines do not permit power strips as they present a fire hazard, while others allow them as long as they are non-surge-protected. Instead of a power strip, purchase a portable charger such as this highly rated one by Anker , which can power up multiple devices at once. This can be especially useful for shore excursions. When packing for your cruise, also think about your luggage: If it has an included charging port, you may not even need to purchase an additional charging block.

Weapons and restraints

Firearms, handcuffs and the like are not permitted on cruise ships. This rule also includes toy guns on most cruise lines.

While most major cruise lines allow guests to pack a limited amount of wine or Champagne per person, they do not permit hard liquor. Of course, those of age can purchase cocktails at any of the bars on board.

Household appliances

Irons and steamers are not permitted on cruise ships, which is why the aforementioned garment bags, wrinkle release spray and packing cubes are recommended for keeping clothing tidy and neat. Coffee makers and mug warmers are also prohibited.

While you can technically bring you own, it's not necessary as hairdryers are available in every bathroom on most ships.

CBD and marijuana

CBD that's derived from hemp and contains 0.3% THC or less is legal at a federal level. However, each state interprets and enforces this law differently; for example, many states require a prescription for it. Due to the ambiguity of the laws, most cruise lines continue to ban CBD in any form.

Marijuana remains illegal under U.S. federal law, which means you cannot bring it on a cruise ship – even if you're legally able to purchase it in your home state for recreational or medical use.

Why Trust U.S. News Travel

For the U.S. News Cruise Packing List, travel writers Gwen Pratesi and Amanda Norcross tapped leading industry experts for their cruise essentials. They regularly update this checklist with new and useful items to pack.

You might also be interested in:

• The Best Cruise Lines
• The Best Adults-Only Cruises
• The Best All-Inclusive Cruises

Vacation Ideas for Every Traveler

Tags: Travel , Cruises , Travel Gear

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

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