travel interruption insurance

June 1, 2020

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Trip Interruption

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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What Is Trip Interruption Insurance?

Mike Simons / Getty Images

What, Exactly, Is Trip Interruption Insurance?

Trip interruption insurance covers you if you become ill, are injured, or die after your travel begins. Trip interruption insurance also covers you if a family member or travel companion gets sick, is injured, or dies once your trip has commenced. Depending on which coverage you choose, your travel insurance policy's trip interruption clause may reimburse you for all or part of the prepaid cost of your trip, or it may just pay enough to cover the change fees for your airfare home.

Trip Interruption Insurance Specifics

Most policies specify that you (or the ill or injured party) must see a doctor and obtain a letter from him or her stating that you are too ill or disabled to continue your travel. You must get the doctor's letter before you cancel the rest of your trip. If you do not do this, your trip interruption claim may be rejected.

The definition of "travel companion" may include the requirement that the companion must be listed on a travel contract or other registration document. In some cases, the companion must also intend to share accommodations with you. Some insurance companies will pay all or even 150 percent of your nonrefundable trip deposits and trip costs.

Others will pay up to a certain amount, typically $500, to cover the cost of changing your return airline, train, or bus ticket so you can get home. In either case, the trip interruption must be the result of a covered reason, such as illness, death in the family, or a situation that seriously threatens your personal safety. These covered reasons will be listed on your travel insurance policy certificate.

Trip interruption coverage may also protect you against a whole host of problems, provided they take place after your trip begins. These problems may include weather issues, terrorist attacks , civil unrest , strikes, jury duty, an accident en route to your trip departure point, and more. The list of covered events varies from policy to policy. Carefully read the policy certificate before you pay for travel insurance. 

Trip Interruption Insurance Tips

Before you buy a policy, be sure you understand what kind of documentation you will need in order to make a claim. Save all paperwork related to your trip, including contracts, receipts, tickets, and emails, in case your trip is interrupted, and you need to file a claim with your travel insurance provider.

Travel insurance providers will not cover known events, such as named tropical storms, named winter storms, or volcanic eruptions. Once a storm has a name or an ash cloud has formed, you will not be able to buy a policy that covers trip interruptions caused by that event.

Find out how "imminent threat to your personal safety" is defined by your travel insurance provider. Some policies will not cover imminent threats unless the US Department of State issues a Travel Warning regarding that threat. In nearly all cases, the Travel Warning must be issued after the start date of your trip.

Look for a policy that covers situations that are likely to arise at your destination. For example, if you are traveling to Florida in August, you should look for trip interruption insurance that covers delays caused by hurricanes.

Carefully read your entire insurance policy certificate before paying for trip interruption insurance. If you do not understand the certificate, call, or email the insurance provider and ask for clarification.

If you think you might need to cut your trip short for a reason that is not listed on your policy, consider buying Cancel For Any Reason coverage, too.

What Is the Difference Between Trip Interruption and Travel Delay Insurance?

Some travel insurance providers classify situations caused by everything except illness, injury, or death as "travel delay" rather than "trip interruption," so you must look at both types of travel insurance as you investigate possible insurance policy options. You may decide that you need only one of these types of coverage, or you may discover that you need both. If you are confused, do not hesitate to call your insurance agency or contact your online travel insurance provider. It is far better to clear up questions or concerns before your trip.

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Trip Interruption Benefits

What is trip interruption.

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip. Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred. In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.  

What Qualifies as Trip Interruption  

1. Sickness, accidental injury, or death that results in medically imposed restrictions as certified by a physician during your trip preventing your continued participation in the trip A physician must advise to cancel the trip on or before the scheduled return date 2. If a family member or traveling companion booked to travel with you incurs sickness, accidental injury, or death. A & B must occur: a.) While you are on Your trip  b.) Requires necessary treatment at the time of interruption, certified by a physician that results in medically imposed restrictions to prevent that person’s continued participation on the trip 3. In case of sickness, injury, or death of a non-traveling family member 4. The death or Hospitalization of Your Host at the Destination during Your trip 5. If you are terminated or laid off from your full-time employment by your company through no fault of your own, one year or more after starting employment, during your trip 6. You transfer your employment more than 250 miles away from your home during the trip. This applies if you have been employed by the transferring employer since your policy's effective date and the transfer requires you to relocate your home 7. If your previously approved military leave is revoked or you experience a military reassignment during the trip 8. If you, your traveling companion, or a family member who is military personnel is called to provide aid or relief in the event of a natural disaster (excluding war) 9. Severe weather causes the complete cessation of services for at least 48 consecutive hours of the common carrier (e.g., airline), preventing you from reaching your destination. Note: This benefit does not apply if the natural disaster was predicted or a storm was named before you purchased this policy 10. If a natural disaster at your destination renders your accommodations uninhabitable 11. If a terrorist incident occurs in your departure city or in a city listed on your trip itinerary during your trip, and the travel supplier does not offer a substitute itinerary. Note: This does not cover flight connections or transportation arrangements to reach your destination. The scheduled departure date must be within 15 months from your policy's effective date. Terrorist incidents that occur on an in-flight aircraft are not covered 12. If you or your traveling companion are victims of a felonious assault during the trip 13. If you or your traveling companion are hijacked, quarantined, required to serve on a jury, or subpoenaed  if your home is made uninhabitable by a natural disaster or experience a burglary at your principal place of residence during the trip 14. You or Your Traveling Companion are directly involved in a traffic accident en route to departure. Note: This must be substantiated by a police report obtained by you and presented along with other claim forms and documentation. 15. If a travel supplier goes bankrupt or defaults during your trip, resulting in a complete halt of their services. However, these benefits will only be provided if there is no other transportation option available. If there is an alternative way to reach your destination, the benefits will be limited to covering the change fee required to transfer to another airline. Note: This coverage applies only if your scheduled departure date is within 15 months from the start date of your insurance policy 16. Strike that causes complete cessation of services of the common carrier affecting you or your traveling companion who is scheduled to travel. Note: Strike must last for at least forty-eight (48) consecutive hours File for a free quote

Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track. All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:  

Maximum Benefit: 100% of Trip Cost Reasonable Expenses Per Day: $100

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100  

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100

Receive a free quote within minutes, and decide which plan fits best for your travel needs!

Why choose axa travel protection.

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

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Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Trip Interruption Insurance FAQs

How much does trip interruption cost.

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does trip interruption coverage begin.

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation protection, our team of travel experts will help you choose the right coverage.

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6 best travel insurance companies of June 2024

Travel insurance can protect you against a range of unforeseen events, from lost bags to medical emergencies..

Whether you're taking a family vacation to Disney World or a romantic cruise through the Mediterranean, travel insurance could help protect your trip from the unexpected. From trip cancellations and flight delays to medical emergencies, travel insurance could protect you financially and give you peace of mind.

There are several different types of travel insurance plans to choose from when shopping for a policy. Here are a few of the common coverage types:

• Trip cancellation coverage : Helps recoup travel expenses if you can't travel, though generally limited to specific reasons.  
• Travel delay coverage: Helps cover expenses if your travel is delayed due to a covered reason. 
• Trip interruption coverage: Helps if you need to cut your trip short. Covered reasons may include an injury or illness on the trip, or a family emergency at home. 
• Medical expenses and emergency evacuation coverage: This covers unforeseen medical expenses when traveling outside the U.S. where your health insurance may not work. Emergency evacuation could help get you home if medically needed while overseas. 
• Baggage loss: Covers baggage lost, damaged or stolen during your trip.

You'll also want to consider the prospective insurer's epidemic-related coverage. Each insurance company covers epidemic-related issues, such as Covid-19, differently, so check the fine print on a policy you're considering.  

CNBC Select analyzed dozens of different U.S. travel insurance products and narrowed down the top six for all sorts of travelers. (Read more about our methodology below.)

Best travel insurance companies

• Best for lost baggage and personal belongings: AXA Assistance USA travel insurance  
• Best for customization: Travel Guard travel insurance
• Best for cancellation coverage: Allianz travel insurance
• Best for travel medical plans: USI Affinity travel insurance
• Best for cruise insurance: Nationwide travel insurance
• Best for luxury travel: Berkshire Hathaway Travel Protection

Best for lost baggage and personal belongings 

Axa assistance usa travel insurance.

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

Policy highlights

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

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA ’s travel insurance offers three different plans for travelers to choose from, with the most basic plans including trip interruption and cancellation and baggage and personal effects coverage. The platinum plan offers coverage for lost ski days and golf rounds, ideal for trips centering around those activities. 

Best for customization

Travel guard® travel insurance.

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.

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

For those wanting to cover an upcoming trip, Travel Guard is a strong option because of its variety of coverage types. With three base packages available online and more options available through a representative, there are a variety of ways to customize your policy. The deluxe, preferred and essential plans include coverage for one related child age 17 or younger.

Best for trip cancellation coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Travelers who want the ability to cancel their trips will find 10 different travel insurance policies through Allianz . You can either purchase coverage for a specific trip or purchase an annual plan that covers an entire year's worth of trips. Instead of basic cancel for any reason coverage, Allianz offers a Cancel Anytime policy that can reimburse up to 80% of prepaid, non-refundable trip costs, while many other companies we reviewed cap "cancel for any reason" (CFAR) coverage at 75%. 

Best for travel medical plans

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

People who are traveling out of the country can find medical plans from USI Affinity to cover them during their travels. Frequent travelers can get an annual medical plan that covers them on multiple trips of 30 days or less. This company also has trip cancellation insurance policies in addition to global travel medical plans. 

Best for cruise insurance

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Those planning a cruise in the future might find cruise-specific travel insurance helpful. Nationwide offers cruise-specific insurance that can cover things like emergency accidents, sicknesses, itinerary changes and trip interruptions to start. Nationwide offers three tiers of cruise insurance (universal, choice and luxury) to get the right level of coverage for every type of trip. Nationwide offers a 10-day review period on its cruise policies (though unavailable in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

Best for luxury travel 

Berkshire hathaway travel protection.

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

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Since a luxury vacation is a large investment, insuring it could ensure that cost is covered if you have to cancel or have your trip interrupted. Berkshire Hathaway ’s LuxuryCare travel insurance has high limits of coverage for trip interruption coverage, medical expenses, and coverage for things like sporting equipment. Berkshire Hathaway also covers cruises and adventure travel with other separate plans. 

Travel insurance FAQs

How do i choose the best travel insurance .

The best travel insurance is one that will meet your needs, cover the type of travel you’re doing (and the experiences you’re planning) and will give you the peace of mind you need. 

Shopping around for travel insurance can help you make sure that you get the best deal possible. Since policies and coverage can vary by company, it could be helpful to get several quotes and compare the coverage limits and types available from several companies to find the best deal for your specific needs and trip. 

To simplify the shopping process, a travel insurance comparison site like InsureMyTrip or Squaremouth could help you understand how much you’ll spend and what types of insurance coverage are available for your trip. 

Is travel insurance worth it? 

Whether or not travel insurance is worth it could depend on the types of coverage you already have, including whether or not an existing travel credit card you hold could provide similar coverage, and whether that would cover your concerns. 

Some travel credit cards offer car rental insurance , baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. In addition, others offer more coverage like travel accident insurance. 

The Chase Sapphire Reserve® , for example, offers travel accident insurance, emergency evacuation insurance, and coverage for baggage delays and lost luggage reimbursement. Several of CNBC Select’s top travel credit cards also offer some credit card travel insurance that could cover potential travel issues.

How much does travel insurance cost?

The average travel insurance costs between 4% and 10% of your prepaid, non-refundable trip costs, according to travel insurance marketplace InsureMyTrip . 

However, travel insurance costs vary based on the cost of the travel you’re insuring, as well as the age of the travelers and any extra coverage that’s added to the policy. 

Bottom line

Travel insurance can cover a range unexpected events on your trip, from lost baggage to emergency medical expenses. While costs vary based on age, type of coverage and trip costs, it can be useful if you need to cancel or cut your trip short.

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 .

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 travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance.

Our methodology 

To determine the best travel insurance companies, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for many situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. 

From there, we sorted our recommendations by the best overall and runner-up, best for cancellation coverage, best for travel medical plans, best for cruise insurance and best for luxury travel.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate per the company’s policies.

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.

• USAA auto insurance review: A top pick for military families Liz Knueven
• Here are the best travel credit cards for families Jason Stauffer
• Chase Sapphire Preferred Card vs. Citi Strata Premier: Which is better for you? Jason Stauffer

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Best Travel Insurance That Includes Cancel For Any Reason Coverage

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

So you’re organizing a trip and you’re interested in purchasing travel insurance. That makes sense — making plans these days can be pretty stressful. This is one reason that Cancel For Any Reason (CFAR) insurance is so popular.

As the name implies, CFAR allows you to cancel your plans without specifying a covered reason. 

We looked at the top Cancel For Any Reason travel insurance companies, comparing their coverage and pricing to find out which was the best. Here’s our shortlist of best options:

Battleface . 

USI Affinity Travel Insurance Services . 

Seven Corners .

John Hancock .

Travel Insured International . 

Factors we considered when picking best Cancel For Any Reason insurance companies

We used these factors when choosing best companies for Cancel For Any Reason insurance:

Types of coverage. Including CFAR, trip delay , baggage loss and emergency medical .

Amount of coverage. Including reimbursements for claims. 

Total cost. We checked out the price for each plan compared to what you’ll receive.

Usability . What’s the point in purchasing an insurance plan if you cannot use it? We considered user-friendly websites. 

Customizability. We scoured what add-ons were available, such as rental car insurance or sports equipment loss.

An overview of the best Cancel For Any Reason travel insurance

We searched for quotes using Squaremouth for a 46-year-old Texas resident traveling to France for two weeks with a total trip cost of $10,000, including airfare. 

When filtering for those providers that offered a Cancel For Any Reason add-on, our list of eligible insurance plans dropped from 103 down to 27. 

Note that to purchase Cancel For Any Reason insurance, you’ll need to do so reasonably quickly after putting down your first deposit for your trip. The window to purchase is an average of 14 days after initial purchase, though some plans offer up to three weeks. 

The average cost for these basic plans came out to about $635, but there’s a wide variety of coverage levels. 

Top Cancel For Any Reason travel insurance options

Here’s a breakdown of the different insurance companies and why they stood out among the best. Note that these plans offer 75% of your total costs back if you cancel your trip. 

What makes Battleface a top choice for CFAR insurance:

Absolute cheapest CFAR insurance option. 

Also solid second-cheapest plan — the Explorer Plan — includes extras such as trip interruption, emergency medical and travel delay reimbursement.

The Battleface Explorer Plan offers terrific baggage loss, missed connection and travel delay insurance. 

For our test trip, two of Battleface’s plans came out significantly cheaper than all the others. The Discovery plan lacked much of anything but CFAR coverage, which is still a decent offering considering it’s just $285.03 and you’ll still receive 75% of your trip costs refunded if you cancel. 

What makes GoReady a top choice for CFAR insurance:

Less expensive than average. 

Reimburses 150% of expenses in the event of a trip interruption. 

Includes financial default coverage.

Offers $50,000 in primary medical insurance.

Our third-best option is GoReady, whose $603 offering is expensive but still costs less than average. With 150% for trip interruption, primary emergency medical and a $50 deductible for care, the GoReady plan offers comprehensive coverage for nearly any situation. 

What makes Tin Leg a top choice for CFAR insurance:

Employment layoff is covered if employed for three years.

$500,000 in primary emergency medical. 

$500,000 for medical evacuation and repatriation 

Tin Leg stands out for its massive medical budget. Although some of its coverage isn’t as good as others, it makes up for it with a combined million dollars in emergency medical and evacuation. 

USI Affinity Travel Insurance Services

What makes USI a top choice for CFAR insurance:

No medical deductible.

$250,000 in primary emergency medical. 

Includes $15,000 for 24-hour accidental death and dismemberment coverage. 

Pre-existing conditions covered.

This plan from USI doesn’t have a single standout feature; instead, it’s a well-rounded plan that provides coverage across a wide range of scenarios, including mandatory evacuations, terrorism and travel delays. 

Seven Corners

What makes Seven Corners a top choice for CFAR insurance:

Hurricane warnings covered. 

Employer layoff, if employed for one year.

$500 per person for baggage delay after 6 hours.

Seven Corners’ RoundTrip Basic plan is reasonably costly at $768.22 for the trip, but you’ll receive better-than-average coverage.

This includes reimbursement if you get laid off after working somewhere for just one year — other companies have a three-year minimum. 

John Hancock

What makes John Hancock a top choice for CFAR insurance:

$1,000 per person for baggage loss; $1,000 specific item limit.

$750 for missed connection after a three-hour delay. 

$750 for travel delay after a three-hour delay.

$100,000 for 24-hour AD&D. 

John Hancock’s best feature is its reimbursement for travel woes. If you’re delayed, your bags are lost or you end up missing a connection, John Hancock’s plan offers some of the highest coverage around.

And unlike other companies, it doesn’t limit missed connection reimbursements to cruises or tours only. 

Travel Insured International 

What makes Travel Insured International a top choice for CFAR insurance:

$1,000,000 for medical evacuation and repatriation. 

$150,000 for non-medical evacuation. 

$1,500 for travel delay after three hours. 

$500 for baggage delay after three hours.

As our most expensive option, Travel Insured International may be a hard sell. This is especially true if you’re looking for basic CFAR coverage.

However, it’s worth researching as the plan includes high-dollar reimbursements after very short delays, such as $1,500 for a three-hour travel delay. 

More resources for travel insurance shoppers

Take a look at these other resources if you’re trying to decide when and where to purchase travel insurance. 

Is Cancel For Any Reason travel insurance worth it?

What is travel insurance?

10 credit cards that provide travel insurance .

How to find the best travel insurance .

Trip cancellation insurance explained .

Is travel insurance worth it?

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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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℠.

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

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6 Best Cancel for Any Reason Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

IMG Travel Insurance »

Squaremouth »

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 Cancel for Any Reason Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

• AXA Assistance USA
• IMG Travel Insurance
• Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

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 she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

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

Holly Johnson

These are the scenarios when travel insurance makes most sense.

Flight Insurance: The 5 Best Options for 2023

Protect your flight (and peace of mind) with the top coverage plans.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

Where to Travel During Hurricane Season

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Some destinations pose less of a risk than others.

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Protect Your Travel Plans: Trip Cancellation Insurance Explained and the 5 Best Policies

Jessica Merritt

Editor & Content Contributor

92 Published Articles 506 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

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Table of Contents

The 5 best trip cancellation insurance policies, what is trip cancellation insurance, how trip cancellation insurance works, is trip cancellation insurance worth it, what trip cancellation insurance costs, choosing trip cancellation insurance , final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

You’ve booked your flight, hotel, and tours and are ready to go on your trip — but what happens if you can’t make it? Unexpected circumstances can pop up that force you to cancel your trip, such as illness or natural disasters. If you can’t get refunds from travel suppliers, trip cancellation insurance can help.

Let’s look at what trip cancellation covers, whether you need a trip cancellation policy, and what you should know before shopping for a plan.

You’ll have plenty of options if you want a cheap, standalone trip cancellation policy, comprehensive travel coverage, or Cancel for Any Reason (CFAR) coverage.

Consider these trip cancellation insurance policies that offer good value and coverage, quoted for a 35-year-old visiting Mexico on a $1,500 trip in September 2023:

Best Cheap Trip Cancellation Insurance: battleface

We were quoted just $20 for a battleface Discovery Plan with trip cancellation benefits up to $1,500. But that’s all it offers — you won’t get trip interruption coverage, medical coverage, evacuation, loss or delay, or other benefits offered by comprehensive travel insurance plans.

Best Extensive Trip Cancellation Reasons: IMG

IMG’s iTravelnsured Travel Essential plan isn’t CFAR coverage, but it has multiple covered reasons for cancellation. You’re covered for foreign and domestic terrorism, financial default, medical reasons, and accommodations made uninhabitable. Our $35.92 quote offered up to 100% of the total trip cost for trip cancellation and 125% for trip interruption. 

Best Comprehensive Trip Cancellation Coverage: TinLeg

TinLeg’s Basic travel insurance plan covers up to 100% of your total trip cost for trip cancellation , but you’ll also get other major travel insurance coverages. This plan we were quoted $41 for offers trip interruption, travel delay, baggage delay, emergency medical, evacuation and repatriation, and more. 

Best Layoff Protection: Aegis

Like the battleface plan, Aegis Go Ready Trip Cancellation insurance covers up to 100% of your trip cost if you need to cancel — but not much else. But a big value-add is employment layoff coverage , which allows you to get reimbursed if you need to cancel your trip due to involuntary layoff or termination of employment. We were quoted $45 for this plan.

Best Cancel for Any Reason: Seven Corners

The Seven Corners Trip Protection Basic plan offers optional CFAR coverage, which reimburses up to 75% of your trip cost for reasons not otherwise covered by your policy. Regular trip cancellation and interruption coverage offer reimbursement of up to 100% of your trip cost. Our quoted cost for this plan came to $58.

Trip cancellation insurance is a type of travel insurance. With trip cancellation coverage, you can get reimbursement for nonrefundable prepaid travel expenses if you need to cancel your trip before departure. Trip cancellation is one of the main coverage areas for travel insurance, the other being medical emergency coverage.

Many comprehensive travel insurance policies offer trip cancellation coverage; standalone trip cancellation insurance is less common than comprehensive travel policies. Travel credit cards may offer trip cancellation coverage as a cardholder benefit, as well.

Trip cancellation insurance kicks in if you must cancel your trip due to unforeseen circumstances such as an illness, injury, or other covered reasons. You can get reimbursed for nonrefundable expenses if you have travel cancellation insurance and need to cancel your trip.

Covered nonrefundable expenses typically include:

• Hotels and vacation rentals
• Rental cars

Travel insurance policies with trip cancellation coverage often include trip interruption benefits. Similar to trip cancellation coverage, trip interruption benefits can help you recoup your costs if you need to delay or cut your trip short due to covered reasons.

When To Buy Trip Cancellation Insurance

You can usually purchase trip cancellation insurance up to the day before your scheduled departure. Still, you’ll get more value if you purchase insurance as soon as you make your first trip deposit . That way, your travel plans are covered from the start.

Trip Cancellation Insurance Covered Reasons

Unless you opt for Cancel for Any Reason travel insurance, trip cancellation insurance only applies to covered cancellation reasons. For example, you can’t use trip cancellation insurance to cancel your trip for a refund because there’s rain forecasted for your beach vacation. But, you could get reimbursement if a named hurricane forms after you purchased your policy.

Common reasons covered by trip cancellation insurance include:

• Death, including the death of a family member or traveling companion
• Government travel warnings or evacuation orders for your destination
• Home damage or burglary
• Illness, injury, or quarantine that makes you or a covered travel companion unfit to travel
• Legal obligations such as jury duty or subpoena
• Natural disasters such as hurricanes, earthquakes, or floods affect travel operations at your destination
• Terrorist incidents at home or your destination
• Travel supplier cancellation
• Unexpected military duty
• Unexpected pregnancy complications
• Unexpected work obligations

These are common covered reasons for trip cancellation insurance, but policies vary in coverage . Reviewing the terms and conditions of your trip cancellation insurance is a good idea so you understand what’s covered.

You should also understand what’s explicitly not covered. For example, changing your mind is not a covered reason on a standard trip cancellation insurance policy. And trip cancellation insurance typically doesn’t cover foreseeable events, routine health treatments, substance abuse, sporting events, mental health, acts of war, self-harm, or dangerous activities such as skydiving.

Cancel for Any Reason Trip Cancellation Coverage

Need to expand your list of covered cancellation reasons? Cancel for Any Reason trip cancellation insurance is an option. 

You can use CFAR to cancel your trip for reasons not covered by trip cancellation insurance, such as changing your mind, fear of travel, unexpected obligations, weather, or budget concerns.

The catch? You’ll pay more for CFAR coverage , and it only reimburses up to 50% to 75% of your nonrefundable travel expenses. Generally, trip cancellation insurance offers 100% reimbursement for covered expenses. 

The other main stipulation is that you’ll need to purchase your coverage within a specified period , usually within 10 to 21 days of your first trip deposit. And to get reimbursement under CFAR, you must cancel your travel within the cancellation timeframe, usually at least 48 hours from your scheduled departure.

Annual Travel Insurance

Most annual travel insurance policies, also known as multi-trip policies, cover trip cancellation for multiple trips taken within the policy period, usually 12 months. You’ll also typically get coverage for medical expenses.

Trip Cancellation vs. Trip Interruption

Trip cancellation insurance covers your nonrefundable travel expenses if you have to cancel before departure, while trip interruption covers your trip costs after departure . For example, trip interruption coverage kicks in if you get injured while traveling and have to go home early.

Trip cancellation insurance can be worth it if you have nonrefundable travel expenses and there’s a risk you’ll have to cancel your travel due to unforeseen events. It offers financial protection if you’re traveling to a destination with potential risks such as natural disasters or political instability — or if you have risk factors at home, such as unpredictable work commitments or family members with health conditions that could interfere with travel. 

If you plan an expensive trip with nonrefundable bookings or deposits, trip cancellation is probably worth it. But if your travel is inexpensive, or most of your travel expenses are refundable, you might not need trip cancellation insurance.

Consider the cost of insurance, the likelihood you’ll need to cancel, and the cost of nonrefundable travel at stake when you decide if trip cancellation is worth it.

A basic travel insurance policy with trip cancellation coverage generally costs between 5% to 10% of your trip costs . So a travel insurance policy for a $5,000 trip would cost $250 to $500. Your costs will be higher if you opt for CFAR coverage.

Factors that influence how much your trip cancellation insurance costs include traveler age, trip expenses, trip length, coverage options, and how many people you need to cover.

A comprehensive travel insurance policy with emergency medical or lost baggage coverage and trip cancellation coverage can offer additional value.

If you’re mainly concerned with trip cancellation coverage, look for cheap travel insurance policies that still offer this coverage, but have either nonexistent or low coverage limits for other coverage areas, such as lost baggage or medical evacuation .

Credit Cards With Trip Cancellation Insurance

You might not have to pay for trip cancellation insurance if you have the right credit card. Some credit cards offer trip cancellation and interruption coverage as a cardholder benefit. 

Credit cards with trip cancellation coverage generally provide between $2,000 to $10,000 per person in trip cancellation benefits, often covering trip interruption. 

For example, the Capital One Venture X Rewards Credit Card offers cardholders $2,000 in trip cancellation or interruption benefits per person. With the Chase Sapphire Reserve ® , cardholders get up to $10,000 per person in trip cancellation coverage with a maximum of $20,000 per trip and a $40,000 limit per 12-month period.

If your nonrefundable travel costs exceed the covered benefit offered by your credit card, you may prefer to purchase separate trip cancellation insurance.

If you only need trip cancellation and interruption coverage, your credit card may have adequate protection benefits.

Consider these factors as you shop for a trip cancellation insurance policy:

• Cost: Compare policy premiums and consider how the cost fits into your overall travel budget.
• Coverage Amount: Your trip cancellation coverage should cover all of your nonrefundable prepaid trip expenses. But a policy with too much coverage could be more costly than necessary.
• Policy Limits: Know the policy’s limits, including deductibles, exclusions, and limitations.
• Covered Reasons: A policy that offers a variety of covered cancellation reasons offers the most protection.
• CFAR Coverage: Understand whether CFAR coverage is included in the policy and its additional cost.
• Reputation and Customer Service: Read travel insurance reviews to learn about the experiences policyholders have had, whether they’re good or bad.
• Refund Policies: Understand what happens if you cancel your policy before the trip.

Travel insurance comparison sites such as Squaremouth make it easy to enter your trip details and get quotes from multiple insurance providers.

Trip cancellation coverage can provide valuable peace of mind if you’re concerned about losing nonrefundable prepaid travel expenses. It can be worth it if there’s a chance you’ll have to cancel your travel plans, and you’ll lose money on nonrefundable costs. Before you choose a trip cancellation policy, consider factors including cost, coverage, and cancellation reasons, and look at what’s covered with any credit cards you hold.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What is trip cancellation insurance for.

Trip cancellation coverage offers financial protection if you need to cancel or interrupt your trip due to unexpected circumstances. You can get reimbursement for nonrefundable prepaid expenses related to covered travel if you have to cancel your trip.

Is trip cancellation covered in travel insurance?

Most travel insurance policies cover trip cancellation coverage. Other common coverage areas include trip interruption and medical emergencies.

Does trip insurance cover cancellation for any reason?

Travel insurance can offer CFAR coverage, usually as an optional add-on. You can select a CFAR policy if you want more flexibility in canceling your trip and receiving reimbursement.

When should I buy trip cancellation insurance?

It’s best to purchase trip cancellation as soon as you have any money at risk on your trip, usually as soon as you book travel. Buying trip cancellation insurance after booking covers you for unexpected circumstances that could cause you to cancel your trip.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

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Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

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Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

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

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

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

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

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

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

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

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

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

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

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

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

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

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

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

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

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

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

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

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

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

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

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

Finding the Best Price for International Travel Insurance

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

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

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

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

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

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

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

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

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

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

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

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

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

• card travel tips
• credit card benefits

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