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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

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Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Quality Verified

Updated: October 27, 2022

• Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

About Mary Purcell, MA

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

Welcome to Travellers Choice Medical Insurance

If you have a Promotion Code such as an Early Bird code, please enter it below and click the button to continue.

Please note: Coverage is only available for travel that ends by Sept. 30, 2024. --> Please note: Coverage is only available for single trips that end by Sept. 30, 2024. For Multi-Trip Annual Plans, please contact us.

If you buy now, your credit card will be charged the total premium due. Your Confirmation of Coverage, wallet cards, income tax receipt, and policy will automatically be sent to you by email.

Please allow up to one hour to receive the email and please check your junk/spam folders. You may request a paper copy free of charge by calling the office.

To buy now, click Continue.

Winter Savings Discount (Save 10%)

If you purchase Travellers Choice on or before Feb. 29, 2024 you will get the Winter Savings Discount and the premium due will be reduced by 10%.

Get a Quote with the option to save your Quote.

Your saved quote is valid until there is a change in the discount and/or the daily rate. When you save a quote, a personalized code will automatically be sent to you by email. You can use this code if you return to this website to make a purchase.

Complete your Purchase

If you already made a deposit or saved a quote and want to complete your purchase now, enter the code you received, then click Continue.

If you do not have a Promotion Code, please click the button to continue.

Please review the medical questions and all pages of your application for the following applicant(s):

Applicant 1:

Applicant 2: NA

Get A Quote

Applicant 1 (Tobacco users must add 20% to their premium)

In the 3 years before your application date, have you used any tobacco products?

Applicant 2 (Tobacco users must add 20% to their premium)

• No obligation to purchase
• Full refund if you cancel prior to travel
• No administration fees or service charges

Eligibility Requirements

• For each of the eligibility questions below, answer either “Yes” or “No”.
• If you answer “Yes” to any question, you are not eligible for coverage. Call Travel Insurance Office Inc.
• Do NOT count Aspirin or Entrophen as treatment when answering the eligibility questions.

Has your physician advised you not to travel or have you been diagnosed with a terminal illness ?

( 0 Point )

Do you need assistance with dressing, eating, bathing, using a toilet, or changing positions due to an ongoing medical condition?

• a) pulmonary fibrosis
• b) congestive heart failure
• c) kidney disease requiring dialysis
• d) an aneurysm that is larger than 4.5 cm in diameter or width

Have you ever had or are awaiting a stem cell, bone marrow, heart, kidney, liver, or lung transplant?

In the 5 years before your application date, have you had metastatic cancer OR 2 or more cancers (excluding basal cell or squamous cell skin cancer or breast cancer treated only with hormone therapy)?

• a) prescribed or used home oxygen or taken prednisone for a lung condition
• b) diagnosed with cancer, had a positive biopsy or had chemotherapy, radiation therapy, or cancer surgery (excluding basal cell or squamous cell skin cancer)
• a) a heart condition (excluding a pacemaker battery change)
• b) a stroke or mini-stroke or Transient Ischemic Attack (TIA)
• c) a lung condition (including pneumonia)
• d) a kidney condition (excluding kidney stones)
• e) chemotherapy, radiation therapy, or cancer surgery (excluding basal cell or squamous cell skin cancer)

Eligibility Requirements (Persons Age 0-55)

• You must be at least 15 days and no more than 89 years old on the date coverage begins; and
• You must insured under a Provincial or Territorial Government Health Insurance Plan during the entire coverage period; and

Health Score Questionnaire

a) Diabetes requiring insulin   ( 50 Points )

b) Diabetes requiring medication other than insulin   ( 25 Points )

c) Any heart condition   ( 40 Points )

d) Alzheimer’s or dementia   ( 30 Points )

e) Aneurysm that is 4.5 cm or less in diameter or width   ( 30 Points )

f) One or more of the following bowel diseases and disorders:   ( 30 Points )

• Diverticulitis
• Bowel obstruction
• Gastro-intestinal bleeding
• Irritable bowel syndrome (IBS)

g) Cancer (excluding basal cell or squamous cell skin cancer & breast cancer treated only with hormone therapy)   ( 25 Points )

h) Liver condition (including fatty liver)   ( 30 Points )

i) High blood pressure requiring 3 or more medications (including any water pill)   ( 30 Points )

j) High blood pressure requiring only 2 medications (including any water pill)   ( 5 Points )

* (do not score 5 points if you scored 30 points for High blood pressure requiring 3 or more medications)

k) Any lung condition (including pneumonia and use of inhalers, excluding a minor ailment )   ( 30 Points )

l) Multiple Sclerosis   ( 30 Points )

m) Pancreatitis   ( 25 Points )

n) Peripheral vascular disease/PVD (including carotid artery stenosis)   ( 30 Points )

o) Stroke or mini-stroke or Transient Ischemic Attack (TIA)   ( 30 Points )

p) Parkinson’s   ( 25 Points )

q) Blood clot   ( 20 Points )

r) Leg or ankle swelling requiring Lasix or Furosemide   ( 10 Points )

s) Blood disorder   ( 10 Points )

t) Gallbladder disease or gallstones (unless gallbladder was removed)   ( 10 Points )

u) Kidney condition (including kidney stones)   ( 10 Points )

v) Epilepsy   ( 5 Points )

  ( 10 Points )

a) taken prednisone   ( 10 Points )

b) had 2 or more urinary tract infections   ( 5 Points )

c) sought treatment for a fall   ( 10 Points )

d) sought treatment for dizziness, fainting, or a seizure   ( 5 Points )

e) been advised to use, or are using, a cane, a walker, or a wheelchair due to an ongoing medical condition   ( 5 Points )

  ( 5 Points )

• Health Score Total :
• Rate Table Qualification :
• Required Stability Period for Pre-Existing Medical Conditions : 90 Days Stability Period : This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to your effective date . This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to your effective date . This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 180 days prior to your effective date (90 days for medication changes only). This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 365 days prior to your effective date (90 days for medication changes only). N/A -->
• Rate Table Qualification:

Please Note: The Annual Plan option is not available if you are Topping Up and want your coverage to start after your departure date.

Please Note: The Annual Plan option is currently not available. Please contact us for this option.

Please select one option from following list

Your Quote (Family Coverage)

• If you plan to travel frequently in a 12-month period, consider purchasing a 5-day, 15-day, 25-day, or 35-day annual plan.
• Annual plans cover the first 5, 15, 25, or 35 days (based on the plan you selected) of every trip you take out of Canada.
• You may extend an annual plan if your trip is longer than 5, 15, 25, or 35 days.
• Annual plans include unlimited trips within Canada for 12 months (outside of your home Province or Territory).

Deductible Option

Deductible option (family coverage), personal information, applicant 1, applicant 2, contact information, emergency contact information, other information, travel information.

Please note: Coverage is only available for travel that ends by Sept. 30, 2024.

If you purchase your policy after you have departed your province or territory of residence, there is no coverage for any medical condition that began, or for which you experienced symptoms, during the first 48 hours after the effective date even if related expenses are incurred after the 48-hour waiting period.

Declaration and Authorization

• I understand that it is my responsibility to be aware of all my medical conditions, and the answers I have provided are truthful and accurate. If I was uncertain of any answer, I confirm that I consulted my physician to be sure I answered the question correctly.
• I understand that any material misrepresentation or failure to disclose any material fact in this application will render the insurance voidable and result in non‑payment of any claims.
• I understand that if my health changes prior to the date my coverage begins, I must contact Travel Insurance Office Inc.
• I understand that I must read the policy prior to travel because my coverage may be subject to certain limitations and exclusions, including exclusions relating to pre‑existing medical conditions.
• I confirm I have read the Privacy Consent Notice which can also be found in the policy, and I authorize the disclosure of my personal and health information.

Quote Detail

Quote information.

This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to date your coverage begins. This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to date your coverage begins. This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to date your coverage begins. This plan covers emergency treatment for pre-existing medical conditions that were stable and controlled in the 90 days prior to date your coverage begins. N/A --> Pre-existing Medical Conditions are covered if stable during the 90 days immediately before the date coverage begins.

Welcome travelling Canadians and thank you for giving us the opportunity to provide you with Travel Medical Insurance.

Your provincial government health insurance plan has severe limits on out-of-country coverage for unexpected medical emergencies. The limits vary by province but, on average, only cover 5-10% of a typical out-of-country hospital, clinic or doctor’s medical expense leaving you responsible for 90-95% of the total. Travellers Choice offers coverage to a maximum of $5 million CAD per insured person, per trip, for medical emergencies occurring while travelling outside your home province.

Since 1991 we have become one of the largest travel insurance brokers in Canada. Every year our clients reapply with us and many refer their family and friends to us. We serve thousands of new clients every year and this year we want to serve you. Our promise is this: a selection of quality products, low rates, (and lower than most “snowbird” plans), deluxe coverage, and the best service in Canada.

We were one of the first travel insurance brokers in Canada to:

• Introduce a travel insurance newsletter for Canadians
• Introduce a medical questionnaire to rate applicants
• Guaranteed same-day service
• Eliminate all service charges and all administration fees
• Provide "No Questions Asked" refunds
• Introduce a paperless online application. Applicants can purchase coverage online and receive all of their travel insurance documents within minutes so that they can depart Canada immediately. The online application does not have to be printed out, signed or mailed. The online application is easy to use, safe and secure.

We wish you good health and safe travels.

Travellers Choice is underwritten by

It is sold through Travel Insurance Office Inc.

Product Details

Travellers Choice offers coverage to a maximum of $5 million CAD per insured person, per trip, for medical emergencies occurring while travelling outside of your home province.

Coverage includes:

This information is intended for promotional purposes and is not an insurance policy. It is not an offer of insurance. It contains some information about coverages offered by Zurich Insurance Company Ltd.(Canadian Branch) but it does not list all of the conditions and exclusions that apply to the described coverages. The actual wording of the policy governs all situations.

Privacy Consent Notice

By submitting the requested information, which may include, but is not limited to, name, address, date of birth, driver’s licence number, medical information, financial information, driving record, automobile insurance policy history, and automobile insurance claims history, you are providing consent to Zurich Insurance Company Ltd and its subsidiaries and affiliates located in your country of residency or abroad (collectively, “Zurich”), for the collection, storage, use, disclosure, and processing of your personal information as may be necessary for the purposes of securing and administering the requested insurance coverage(s), including but not limited to, risk evaluation, policy execution, premium setting, premium collection, claims adjusting, administration, investigation and settlement, fraud prevention, detection and suppression, or statistical evaluation. You are also providing consent to Zurich for the disclosure of your personal information to third parties, as required for and in relation to the above-stated purposes, including reinsurers, third party administrators, brokers, agents, claims adjusters, regulators or other governmental or public bodies, taxing authorities, industry associations, other insurers, and other third parties involved in providing insurance services (“Third Parties”). If your policy is being arranged by a broker or an agent, you authorize Zurich to collect, store, use, disclose, and process personal information received from such broker or agent in relation to the above-stated purposes. Additionally, by providing information about a third party, including but not limited to, a family member, director, officer, employee, or any party that has an interest in or derives a benefit from the policy, you hereby covenant and warrant that you have obtained the appropriate consent from such third party to disclose their personal information to Zurich and for Zurich to use and disclose such information for any of the above-stated purposes.

Zurich is committed to protecting the privacy and confidentiality of information provided. Your personal information may be processed by and is securely stored within the offices of Zurich and authorized Third Parties, both in domestic and foreign jurisdictions outside Canada and is subject to applicable laws.

Zurich may retain your personal information as needed for any of the above-stated purposes or as necessary to comply with Zurich’s legal and regulatory obligations, resolve disputes, and enforce Zurich’s agreements. You may request to review the personal information Zurich maintains about you and make corrections by writing to: Privacy Officer, Zurich Insurance Company Ltd (Canadian Branch), 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 or by emailing [email protected].

You may refuse to consent or withdraw your consent to the collection, storage, use, disclosure or processing of your personal information; however, your refusal to provide consent may result in Zurich being unable to offer and administer insurance coverage or prevent Zurich from being able to pay any claim benefits payable under your policy.

Please contact the Zurich Privacy Officer if you require further information regarding the collection, use, disclosure, processing and storage of your personal information or if you have any complaints via email at [email protected]. You can also review Zurich’s Privacy Policy at https://www.zurichcanada.com/en-ca/about-zurich/privacy-statement and Travel Insurance Office Inc.’s privacy policy at https://www.secure2.travelinsuranceoffice.com/privacy-policy

Not Eligible

Effective date, date you want coverage to begin, family coverage.

If you and another adult are both age 55 or under and travelling with dependent children, your dependent children have coverage. This benefit applies to single adults age 55 or under paying double the required premium.

The additional adult age 55 or under can be your spouse, parent, brother, sister, legal guardian, step-parent, step-child, step-brother, step-sister, aunt, uncle, niece, nephew, grandparent, grandchild, in-law, or ward.

The dependent children are your unmarried children who are born before the trip, financially dependent on you, at least 15 days old and no more than 21 years old.

Child, Children

Confirmation of coverage, date of departure, hospitalized or hospitalization, medical condition, medication changes, minor ailment, pre-existing medical condition.

• Rate Table 1 and 2 – 90 days prior to your effective date
• Rate Table 3 – 180 days prior to your effective date (except for medication changes: 90 days prior to your effective date )
• Rate Table 4 – 365 days prior to your effective date (except for medication changes: 90 days prior to your effective date )
• a) there has been no new treatment ; and
• b) there has been no change in treatment or change in treatment frequency or type; and
• c) have been no signs or symptoms or new diagnosis; and
• d) have been no test results showing deterioration; and
• e) has been no hospitalization; and hospitalization ; and -->
• f) has been no referral to a specialist (made or recommended) and you are not awaiting the results of further investigations performed by any medical professional.
• a) Routine adjustment of insulin, Coumadin or Warfarin as long as the insulin, Coumadin or Warfarin is not first prescribed in the 90 days prior to the date coverage begins as shown on your confirmation of coverage and, if you have multi-trip annual coverage, the 90 days prior to each separate trip that begins when you depart from your province or territory of residence.
• b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the 90 days prior to the date coverage begins as shown on your confirmation of coverage and, if you have multi-trip annual coverage, the 90 days prior to each separate trip that begins when you depart from your province or territory of residence.
• c) A minor ailment .

Terminal Illness

Termination date, treat, treated or treatment.

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Travelers Insurance Review

Travelers auto insurance earns a 9.5 out of 10.0 rating and a recognition as the “Best for Most Drivers” for its flexible coverage and add-ons for drivers.

Discover if you are overpaying for car insurance below.

Key Takeaways:

• Our team ranks Travelers first out of 130 insurance providers and gave them our Best for Most Drivers award due to its affordable plans and the optional protection it offers.
• Full coverage auto insurance from Travelers costs around $1,595 per year and minimum liability coverage is about $648 annually.
• Travelers offers low pricing, a wide variety of coverage options and great customer service.

Travelers was founded in 1864 and is one of the largest property and casualty insurance companies in the United States, offering a range of coverage options in 49 states and Washington, D.C. The company has a fair number of discounts, plus a safe driving app that can help motorists save money.

In this article, we at the MarketWatch Guides team look at Travelers insurance reviews from customers, available discounts and coverage options to help you decide if you should get home and car insurance from the company. We recommend getting quotes from several of the industry’s best car insurance and cheapest car insurance companies before making a decision.

Compare Car Insurance Rates

Why You Can Trust the MarketWatch Guides Team

Learn more about our methodology and editorial guidelines .

Travelers Auto Insurance Review

Our team rates Travelers auto insurance a 9.5 out of 10 and names it Best for Most Drivers. The company is our top pick for vehicle coverage and comes with perks like affordable rates, flexible coverage options and plenty of discounts and add-ons.

Travelers Insurance Pros and Cons

Here are the pros and cons of purchasing insurance through Travelers:

Travelers Insurance Rating

Our score was aggregated from five key performance areas including industry standing, availability, coverage, cost and customer experience. You can see the breakdown of each of these scores in the table below:

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below .

How Good Is Travelers Insurance?

Travelers insurance is our top pick for plan options, affordable coverage and good customer service. Regardless of what coverage you choose, you’ll most likely find what you need for a reasonable price. 

Travelers Insurance Ratings

Below are ratings for Travelers from reputable rating agencies:

• J.D. Power 2023 U.S. Auto Insurance Study: Travelers insurance is below the industry average for customer satisfaction, according to J.D. Power. Its scores ranged from 782 to 822 out of 1000 depending on the region or state.
• J.D. Power 2023 Auto Claims Satisfaction Study: Travelers ranks 18th out of 24 insurance companies with a score of 871 out of 1000 . This score was seven points below the industry average.
• National Association of Insurance Commissioners (NAIC) Complaint Index: The company earned a score of 0.42, which means its complaints are well below the industry average of one.
• A.M. Best Rating : The company received an A + + rating for financial strength.

Travelers Insurance Comparison

Below you can compare Travelers to other major insurance providers:

Travelers Car Insurance Cost

For research, we base our average rates on the profile of an unmarried 35-year-old with a clean driving record, good credit history and a 2022 Toyota Camry. The national average for a year of full coverage insurance is $2,008. In general, Travelers auto insurance pricing is slightly cheaper than average, and compared to its competitors. Our rate estimates show that the average cost of a full coverage policy from Travelers is $1,595 per year or $133 per month . 

Is Travelers Insurance Expensive?

Travelers is among the more affordable providers out there with rates 20% lower than the national average for full coverage, according to our rate averages. While minimum liability coverage is typically closer to the average, you can find particularly low rates for comprehensive plans. We also found them to be the second cheapest insurance company out of the 130 we reviewed.

Travelers Full Coverage Car Insurance Vs. Competitors

We found full coverage rates from Travelers are cheaper than the national average. Below you’ll find its average pricing in comparison to major competitors:

Read more : Cheapest comprehensive car insurance

Travelers Minimum Liability Car Insurance Vs. Competitors

Minimum liability coverage from Travelers is 2% more expensive than average rates. See its rates in comparison to major competitors:

Read more : Cheap liability-only car insurance

Travelers Insurance Quotes

In the sections below, you can compare car insurance quotes for average pricing by age and driving record. The price you pay for car insurance depends on various factors, and the Travelers rates you receive may not reflect the estimates below. 

Travelers Auto Insurance Rates For Teens

Auto insurance for teens from Travelers is cheaper than the national average of $7,581 for 16-year-olds. Below you can compare pricing for the ages of 16 to 19:

* Rates are from 2022 data.

Travelers Auto Insurance Rates For Young Adults

For young adults , Travelers has 18% cheaper rates on average in comparison to competitors. Here are average rates for 21 and 25 year olds:

Travelers Auto Insurance Rates For Adults

If you’re between the ages of 35-55, you can expect rates to be 27% lower than average for coverage. See average rates for these age groups:

Travelers Auto Insurance Rates For Seniors

You can get some of the best vehicle insurance for seniors at Travelers with average costs that are 10% lower than national rates. Below, you can compare costs:

Travelers Car Insurance Rates by Driver Profile

If you’re purchasing vehicle insurance with bad credit from Travelers, expect rates to be 21% lower than average. It’s also cheaper than the national average if you’ve been in an accident or had a DUI or DWI . Here are a few more Travelers cost estimates that apply to different driver profiles:

Travelers Car Insurance Discounts

Even though Travelers is already affordable, there are discounts that can help you save even more on car insurance premiums . The number of available Travelers insurance discounts is comparable to what you’ll find with other top insurers. Below is a list of the auto insurance discount offerings by Travelers Insurance:

Travelers IntelliDrive Discount

IntelliDrive is Travelers’ telematics insurance program , or usage-based program. It’s a mobile app that evaluates your driving habits, like the time of day you drive, your speed, acceleration and braking and how much you interact with your phone behind the wheel. Good drivers can earn a discount of up to 30%, but if you display riskier driving habits, your premium can increase. 

The IntelliDrive program isn’t available in the following states:

• Rhode Island
• West Virginia

Travelers Insurance Quote

You can receive Travelers insurance quotes either on its website or through a local agent at 1-866-603-4909. You’ll be required to enter personal information such as your birth date or location, vehicle details (make,model, mileage) and the coverage level you want. From there you’ll be given a set quote and can immediately choose to get coverage and apply discounts.

Travelers Car Insurance Coverage

You can get the standard types of car insurance through Travelers:

• Bodily injury liability: A type of liability car insurance that covers other parties’ medical bills after an accident you cause
• Property damage liability: Covers other parties’ property repair bills after an accident you cause
• Collision insurance : Covers repairs to your own vehicle after an accident you cause
• Comprehensive insurance: Covers repairs to your vehicle after a non-collision incident such as a flood, vandalism or theft
• Medical payments (MedPay) : Covers certain medical bills for you and your passengers after an accident, regardless of who is at fault
• Personal injury protection (PIP) : Covers medical bills, lost wages and death benefits for you and your passengers after an accident in a no-fault state
• Underinsured motorist/uninsured motorist : Covers your property repairs and medical bills if you’re hit by a driver who cannot be identified (such as in a hit-and-run situation) or does not have enough insurance coverage to pay your bills

Each state sets its own minimum requirements for auto insurance , so you may not need the same coverage as your friends and relatives in a different area of the country. Beyond meeting minimum coverage limits, it’s smart to get collision and comprehensive insurance to further protect your finances in the event of an accident.

Additional Travelers Insurance Coverage Options

The company also offers additional coverage and other insurance products you can add onto your auto policy:

• Two levels of 24/7 roadside assistance
• Rental car coverage in the case of a covered accident
• Guaranteed asset protection insurance , also known as gap insurance, to cover what you owe on a loan or lease after your car is totaled
• Accident forgiveness and minor violation forgiveness
• New car replacement coverage to help with the purchase of a new vehicle if yours is totaled within the first five years of ownership
• Rideshare coverage in Colorado and Illinois

Travelers Insurance Claim Process

You can file a claim with Travelers over the phone, on the company website or through its mobile app. A claim professional will then contact you and walk you through the process. You can easily track the status of your claim by creating a MyTravelers account on the Travelers website. 

Travelers can assess the damage to your vehicle through its network of trusted repair facilities or via virtual inspection. Once your car has been repaired and you’ve paid your insurance deductible , Travelers will pay you or your loan or lease company.

Read more : How to file vehicle insurance claims

Travelers Insurance Customer Reviews

In August 2022, we surveyed 6,923 customers of major insurance companies. Through this research, we found that Travelers ranked fifth out of 15 companies for overall satisfaction. Customers reported that they enjoyed the shopping experience and usability on its website. Below is a summary of our results.

Travelers Insurance Customer Satisfaction

Of the 6,923 respondents, 1.5% (or 105) had a Travelers auto insurance policy. These respondents rated Travelers a score of 4.2 out of 5 in terms of overall customer satisfaction. 

Travelers Insurance Customer Ratings

Here’s a look at how survey respondents rated Travelers insurance customer service in five major segments: affordability, discounts, coverage, shopping and website experience.

Travelers Insurance Reviews BBB

Travelers has an A rating from the Better Business Bureau (BBB). But out of 230 customer reviews on the website, Travelers averaged a score of 1 out of 5 stars. While this may seem alarming, this website is generally used for customer complaints, and the company has responded to more complaints than reviews in the past 12 months. It’s also a small sample size in comparison to its larger clientele.

Our team reached out to Travelers about its negative reviews and scores, but received no response. 

Travelers Insurance Reviews Reddit

Overall, reviews on Reddit for the company are extremely positive and people praise its great customer service, large array of discounts and great claims services. They also say Travelers’ prices are lower than those of competitors like Allstate and Progressive. Negative reviews from Reddit users say that certain vehicles can’t take advantage of lower rates, and some report having customer service issues when getting a policy from the company directly.

Travelers Insurance App Reviews

Those who use the Travelers insurance app rate it highly. On the App Store, the Travelers Mobile application averaged a score of 4.7 out 5 stars with 65,000 reviews. On Google Play, the score was lower at 3.5 out of 5 from around 1,420 reviews. Many praise the app for its ease of use and convenient profile management while others report a lack of up-to-date information (mostly on the Google Play app version).

Travelers Home Insurance

While Travelers offers plenty of coverage options, the company tends to be on the expensive side compared to other providers. You’ll likely find the best home insurance for you elsewhere. We recommend comparing homeowners policy quotes to find a great deal.

Travelers Home Insurance Cost

Based on our analysis of average home insurance costs , we found a homeowners policy from Travelers can cost anywhere from $1,856 to $3,941 or an average of $2,661 . This is more expensive than the  industry average of $2,417. However, pricing for homeowners policies can differ based on location, square footage, home age, credit score and more.

Travelers Home Insurance Discounts

Below are the discounts that Travelers offers to help customers save on home insurance :

Travelers Home Insurance Coverage

Most homeowners insurance policies cover the cost of losses to your home and personal property resulting from severe weather incidents or theft and vandalism.

Travelers offers the following standard types of home insurance coverage:

• Dwelling coverage : This coverage helps you pay to repair or rebuild your home if a covered event damages it. Note that you’ll want to have enough dwelling coverage to pay for estimated repairs or rebuild or replace your property.
• Other structures coverage: This insurance helps pay for covered damages to detached structures on your property like garages, sheds and fences.
• Personal property coverage: This coverage helps pay for personal items in your home, such as furniture and clothes, which were damaged or destroyed by a covered loss.
• Loss of use coverage : This insurance helps cover additional living expenses if you temporarily move out of your home while it’s being restored.
• Personal liability coverage: This coverage can protect you in the event of a claim and helps cover costs if a lawsuit is brought against you or a member of your household for bodily injury or property damage.
• Medical payments to others: This insurance pays for medical bills if someone is injured in your home and it’s not your fault.

The company also has options for condo insurance with similar coverages to those mentioned above.

Read more : What do home insurance policies cover?

Additional Travelers Home Insurance Options

Travelers also provides the following add-on home insurance coverage options:

Read more : Tips for buying home insurance

Travelers Home Insurance Review

Travelers home insurance is pretty standard for the industry, and while the company does offer plenty of add-on options, its policies are expensive compared to other companies. We recommend comparing as many homeowners insurance quotes as possible from multiple companies.

Start comparing our top picks in our comprehensive reviews:

• Liberty Mutual home insurance
• Allstate home insurance
• Farmers home insurance
• State Farm home insurance
• Nationwide home insurance
• Erie home insurance
• USAA home insurance
• American Family home insurance

Travelers Renters Insurance

Travelers offers standard coverages for renters insurance which include personal property, personal liability and medical payments. However, it also offers the additional benefit of coverage for damages caused by work done to a rental property. You can also get add-ons for valuable items and content replacements.

Travelers Renters Insurance Price

Based on quotes we received from Travelers, renters insurance from the company costs around $23.44 per month on average. This is well over the national monthly average of $15. It isn’t one of the cheapest renters insurance providers in our analysis, but your quote can vary widely depending on the coverage level you choose, your credit score, deductible and more.

Travelers Renters Insurance Review

We rated Travelers renters insurance a 4.15 out of 5 stars for its great add-on coverage options and customer claims satisfaction. While it’s slightly more expensive than average, your rate may vary. In your search for the best renters insurance , we recommend comparing as many quotes as possible.

Below you can compare our top picks through our reviews:

• Lemonade renters insurance
• Toggle renters insurance
• State Farm renters insurance
• USAA renters insurance
• American Family renters insurance
• Nationwide renters insurance
• Allstate renters insurance

Travelers Insurance: Other Policy Offerings

In addition to the coverage plans mentioned, Travelers also has plans for the following:

• Motorcycle insurance
• Boat insurance
• RV insurance
• Travel insurance
• Pet insurance
• Landlord insurance
• Wedding insurance
• Flood insurance
• Umbrella insurance
• Business insurance

Travelers Motorcycle Insurance

Travelers does not offer motorcycle insurance directly and instead does so through an affiliate provider named Dairyland . Coverages include collision, comprehensive and liability insurance. You can also purchase add-on options for rental reimbursement, replacement vehicles, roadside assistance and special equipment.

Dairyland is one of our picks for cheap motorcycle insurance coverage, but we recommend comparing multiple quotes before making a decision. Below you’ll find additional company reviews to help in your search:

• Progressive motorcycle insurance
• Geico motorcycle insurance

Travelers Boat Insurance

Travelers offers boat and yacht insurance to cover damages incurred while on the waves and to persons on board your vessel. You’ll also receive medical payment coverages and towing cost reimbursement with your policy. We recommend comparing boat insurance prices to get the best deal for your marine vehicle.

Check out some of our best boat insurance and cheapest boat insurance picks:

• State Farm boat insurance
• Progressive boat insurance
• Allstate boat insurance

Travelers RV Insurance

As part of Travelers’ homeowners sector, you can purchase RV insurance for your motorhome. While details are not provided expressly on its website, it does offer standard coverage for all types of motorhomes. However, you’ll have to compare RV insurance costs online in order to get a better read for what a policy may cost.

If you’re looking for some of the best and cheapest RV insurance policies out there, begin your search with these providers:

• Progressive RV insurance
• Geico RV insurance
• Allstate RV insurance
• State Farm RV insurance

Travelers Travel Insurance

Travelers offers travel insurance through Travel Insured International. Two types of travel coverage are available for multi-trip and single-trip policies:

With either plan, you can purchase add-ons for travel inconvenience and cancellations for any reason. Travel Insured International isn’t one of our top picks for the best or cheapest travel insurance offerings out there, but we recommend comparing quotes from multiple providers to get the best deal possible.

Below we’ve provided some of our top picks to help you get started:

• Travelex travel insurance
• Nationwide travel insurance
• Faye travel insurance
• Allianz travel insurance
• Trawick travel insurance

Travelers Pet Insurance

Travelers offers pet insurance policies with no network restrictions, examinations or upper age limits (dogs eight months and older). Plans are customizable and come with a discount of 10% if you insure multiple pets or are a current Travelers policyholder. While it’s not one of our picks for the best or cheapest pet insurance companies , we believe it’s a good idea to get a quote from them and multiple other companies.

You can start comparing our top picks below:

• Lemonade pet insurance
• Spot pet insurance
• ASPCA pet insurance
• Embrace pet insurance
• Fetch pet insurance

Travelers Flood Insurance

To protect your home or condo from environmental flood damages, Travelers offers flood insurance plans through its partner, Neptune Flood. You can also get add-on coverages for unattached structures, basement items, pool repair and temporary living expenses.

Read more : Do you need flood insurance?

Travelers Landlord Insurance

Travelers offers landlord insurance for those who own rental properties containing one to four units. Coverages are basically the same as renters insurance, but include liabilities and damage that affect the owner of the property.

Travelers Wedding and Special Event Insurance

To make sure your big day goes perfectly, Travelers offers wedding and special event insurance.  Many venues require wedding insurance, and plans can cover alcohol-related incidents, gifts, jewelry, cancellation, attire and other liability damages. You can even get travel expenses covered if you’re using transportation provided by a venue.

Travelers Umbrella Insurance

Travelers umbrella insurance options can give you extra liability protections past your home and auto plans or other policies. It also provides additional protections for libel, slander, legal defense costs and other incidents outside the U.S.

Travelers Business Insurance

Travelers offers insurance policies including coverage for liability, property, workers compensation, commercial vehicles and more. It also provides services to help lower the risk of accidents within your company and conduct audits. If you’re a business looking for coverage, you can check out the many options available on its website .

Reviews of Travelers Insurance: The Bottom Line

Travelers auto insurance earns a 9.5 out of 10 stars and the name Best for Most Drivers in 2024. The company offers great customer service, affordable costs and plenty of coverage options. While it’s our top pick for car insurance, we recommend comparing multiple options and getting quotes before deciding on a provider.

Travelers Insurance: FAQ

Below are frequently asked questions about Travelers auto insurance.

Is Travelers a reliable insurance company?

Yes, Travelers is a reliable insurance company for both auto and home insurance. The company offers several home and car insurance options that are on par with national average costs, according to our research. The insurer also holds an A rating from the BBB and an A++ financial strength rating from AM Best.

Is Travelers good at paying claims?

Travelers’ A++ financial strength score indicates the company’s ability to reliably pay out claims. Our August 2022 survey, Travelers policyholders expressed satisfaction with the outcome of their claims. However, Travelers insurance reviews about the claims process are mixed, and the company received a below-average score in the 2023 J.D. Power Auto Insurance Study.

Who are the top five car insurance companies?

We’ve reviewed dozens of car insurance companies, considering factors such as cost, insurance options, customer reviews, industry reputation and availability. Based on our research, our top insurance companies are Travelers, State Farm, Erie Insurance, USAA and Nationwide.

Is Travelers a good homeowners insurance company?

Yes, Travelers is a good homeowners insurance company that offers a wide range of coverage options. It’s a reliable insurer that has been around for a long time and has strong financials, as indicated by its A++ AM Best rating.

Is Travelers insurance cheaper than State Farm?

Generally speaking, State Farm auto insurance rates tend to be cheaper than Travelers insurance. However, your rates will depend on many factors, including your age, your vehicle and the discounts you qualify for. The only way to know for sure is to compare quotes from both State Farm and Travelers.

What is Travelers insurance?

Travelers is an insurance company that has been in the industry of property and casualty coverage for over 170 years. The company has 30,000 employees and 13,500 independent agents that are ready to assist you with your insurance needs.

Why is Travelers so expensive?

Most insurance policies are expensive due to a rise in risky driving statistics, which increases the costs for insurers. Even with this in mind, Travelers still offers some of the cheapest policies for full coverage auto insurance and is below the national average for minimum coverage.

Who owns Travelers insurance?

Because it’s a publicly traded company, the shareholders actually own the company, and they currently own over 25% of the organization.

How can you cancel Travelers insurance?

To cancel any Travelers insurance policy, you must call 1-800-842-5075, mail out to an office near you, or go to a location in person. All you’ll need is some basic personal information, your policy number and the date you want coverage to end.

What is the Travelers insurance customer service phone number?

A Travelers customer service agent can be reached at 1 (800) 842-5075.

Does Travelers offer life insurance?

Travelers used to offer life insurance, however it stopped after its subsidiary Travelers Life and Annuity was bought out by MetLife in 2005. If you’re looking for coverage you should check out some of our best life insurance companies and cheapest life insurance companies .

Does Travelers offer health insurance?

No, Travelers does not currently offer health insurance policies for individuals. If you’re looking for a supplemental insurance, health or life insurance business policy you can purchase one online or through an agent.

Is Travelers owned by Geico?

Travelers isn’t owned by Geico and is a separate company. However, you may see that Geico offers policies from other companies like Travelers since it’s a broker.

Where can I buy Travelers insurance?

You can either get an insurance policy online, visit a local agent or call an agent to purchase coverage. Make sure you’re ready with basic personal information, your vehicle details (make,model, mileage) and the coverage level you want. A customer service representative or agent can also assist you with the process.

Who founded Travelers insurance?

Travelers insurance was founded in 1864 by the Hartford businessman James G. Batterson.

What is the Travelers insurance headquarters address?

Travelers insurance headquarters is at 485 Lexington Ave., 8th Floor, New York, N.Y. 10017. It has another main office at 1 Tower Square, Hartford, Conn. 06183.

What is the dog in the Travelers insurance commercial?

The dog is named Chopper and he’s a mixed breed, but closely related to a Berger Picard.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost : Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage : Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience : Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability : Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.

Customer experience : This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Travelers Insurance Reviews 2024

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Trusted Choice's Travelers Insurance Score

Trusted Choice rates Travelers Insurance 5 out of 5 stars. Thanks to the plethora of excellent discounts available across multiple types of insurance, customers can expect to have their coverage needs met at competitive rates through Travelers. Additionally, as a longstanding and well-established company with truly impressive financial strength, it’s safe to say that customers can trust this carrier with their hard-earned cash. We also love that they sell their products through a massive network of independent insurance agents, who offer a more personalized experience for customers. When it comes to insurance, nothing’s more important than quality coverage offered by a guaranteed, secure and reputable company, and Travelers fits the bill beautifully.

Travelers offers a wide variety of insurance products sold through a massive network of independent insurance agents. Travelers insurance ratings are the highest possible from AM Best, and very high from the Better Business Bureau (BBB).

Travelers insurance reviews by customers are overwhelmingly positive as well. Customers report great rates and excellent customer service experiences with the carrier. Travelers' high ratings from official organizations and customers alike demonstrate the insurance company's capability to deliver on its coverage promises.

Take a closer look at Travelers, and you'll find they offer the kind of service you can expect from a premier company. Explore Travelers Insurance to hear from our experts, and customers, as well.

Travelers Insurance Pros & Cons

What types of insurance does travelers offer.

Travelers is one of the largest and most established insurance companies in the nation. Both individual and business insurance policies are available. Travelers Insurance currently offers the following types of coverage:

Travelers Car & Auto Insurance

• Cars & SUVs
• Boat and yacht insurance
• Classic car
• RV/trailer/motorhome
• ATV and off-road vehicles
• Snowmobiles
• Golf carts and low-speed vehicles

Travelers offers its auto insurance through a large network of independent insurance agents who can provide a more personalized experience for customers, and also help them to fully customize their policies. Because of this, Travelers' auto insurance can be a good match for folks who want to have the ability to purchase only the types of auto insurance that benefit their personal needs. While Travelers offers the standard coverages you'd expect in an auto insurance policy such as liability and collision, it also offers roadside assistance coverage, rideshare coverage, loan/lease gap insurance, and many others. 

But while Travelers has received excellent and superior ratings by the BBB and AM Best, its auto insurance received below-average scores in J.D. Power's Auto Claims Satisfaction Study in 2021. Still, the carrier boasts solid financial strength and clearly has been well-equipped to pay out customer claims since 1853.

Travelers Car Insurance Average Prices

Our data for average car insurance costs by age range is based on a policy with $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $50,000 in property damage liability per incident. These policies also include a $500 deductible for collision coverage and comprehensive coverage.

Average Car Insurance Costs by Age Range

To get our data for the national average car insurance costs by state, check out our car insurance calculator .

Travelers Auto Insurance Discounts

Travelers offers several auto insurance discounts, including multi-car discounts, home ownership discounts, multi-policy (bundling) discounts, safe driver discounts, continuous insurance discounts, and hybrid/electric car insurance discounts.

Travelers Auto Insurance Reviews

• BBB Travelers auto insurance reviews: While the BBB's official rating for Travelers is A, customer reviews for the carrier's coverage are an average of only 1.11 out of 5.
• J.D. Power Travelers car insurance reviews: J.D. Power awarded Travelers auto insurance a below-average rating for claims satisfaction in 2021.
• AM Best Travelers auto insurance reviews: AM Best rated Travelers A++ or "superior" — the highest available rating — in terms of financial strength in 2022.
• NAIC Travelers car insurance reviews: The National Association of Insurance Commissioners (NAIC) reported fewer-than-average complaints concerning Travelers' auto insurance, with a score of 0.64, which is much lower than the median of 1.00.

Travelers Auto Insurance Rates

For more information about Travelers' auto insurance rates, or to get a quote for local coverage, work together with an independent insurance agent in your area. Travelers does not advertise its auto insurance rates on the official website without going through the process of obtaining a quote, and rates often vary depending on your location and personal details like credit score, etc.

Travelers Standard Auto Insurance Coverage Options

Beyond the standard auto insurance coverages, travelers also offers the following:.

Personal injury protection (PIP) coverage

This coverage can pay for medical expenses and sometimes other costs/damages like lost wages, no matter which driver is found to be at fault for an accident.

Medical payments coverage

This coverage can reimburse drivers for the cost of treatment for their own injuries, or their passengers' injuries, after an accident, regardless of who was at fault. This coverage also can reimburse for medical treatment of injuries you sustain as a pedestrian.

Loan/lease gap coverage

This coverage can help reimburse the difference between your car's actual cash value and the leftover balance of your vehicle's loan or lease if it gets totaled before being paid off fully.

Roadside assistance coverage

This coverage can send assistance to tow your vehicle if you get stranded at home or while out on the road due to a number of disasters, including a dead battery.

Accident forgiveness coverage

Part of Travelers' "Responsible Driver Plan," this coverage grants forgiveness for one accident that occurs within a set period and prevents your premiums from rising.

Rental car reimbursement coverage

This coverage can reimburse for the cost of a rental car while yours is in the shop after a covered disaster and has been out of commission for more than 24 hours. 

New vehicle replacement coverage

This optional coverage can reimburse the cost of a comparable new car for customers who are a vehicle's original owner and have their vehicle stolen or totaled within one year or 15,000 miles.

Rideshare coverage

This coverage is only available in Colorado and Illinois currently and is an optional endorsement that can cover folks who use their vehicles for a rideshare service like Lyft. Coverage only applies to the period while your app is on but you haven't yet connected to a passenger. 

Named non-owner coverage

This coverage is meant for drivers who don't own a vehicle, and can protect you if you frequently drive but don't own a car of your own. Coverage is ideal for those who frequently rent cars, use rideshare vehicles, etc.

Travelers Homeowners & Property Insurance

Jewelry and valuable items coverage

Travelers' home insurance products are also sold through a team of independent insurance agents, making this coverage an ideal match for prospective customers who need the control of being able to customize their policies. Travelers' home insurance products may also be ideal for folks who live in colder climates, as coverage for roof collapses due to the weight of snow or ice and sleet is included, as is coverage for the freezing of plumbing, heating, and other home systems.

Travelers maintains excellent financial strength even after more than 165 years in the industry. However, their high ratings by the BBB and AM Best don't reflect all of the carrier's home insurance scores. J.D. Power's claims satisfaction survey in 2021 reported below-average scores for Travelers' products. Regardless, there are still many glowing customer reviews of the carrier's home insurance found across multiple websites.

Travelers Home Insurance Average Prices

To get our data for the national average home insurance prices per state, check out our home insurance calculator .

Travelers Home Insurance Discounts

Travelers' home insurance customers can save money on their premiums with the carrier's multi-policy discount, home buyer discount, loss-free discount, protective device discount, or green home discount.

Travelers Home Insurance Reviews

• AM Best Travelers home insurance reviews: AM Best awarded Travelers their highest available rating of A++ or "superior" in terms of financial strength in 2022.
• BBB Travelers home insurance reviews: The BBB's official rating for Travelers is A, but its customer reviews for the carrier's coverage are an average of only 1.11 out of 5.
• NAIC Travelers homeowners insurance reviews: The NAIC reported fewer-than-average complaints concerning Travelers' homeowners insurance, with a score of 0.64 — well below the the median of 1.00.
• J.D. Power Travelers homeowners insurance reviews: J.D. Power awarded Travelers home insurance a below-average rating for claims satisfaction in 2021.

Travelers Home Insurance Rates

For more information about Travelers' homeowners insurance rates, or to get a local quote for coverage, work with an independent insurance agent in your area. Travelers doesn't advertise its home insurance rates on the official website without obtaining a quote, but regardless, coverage rates vary depending on your location and other factors.

Travelers Standard Home Insurance Coverage Options

Beyond the standard home insurance coverages, travelers also offers the following:.

This optional endorsement can help extend the coverage limits for jewelry and other valuable items if they get lost, stolen, damaged, etc.

Identity fraud coverage

This optional policy endorsement can reimburse for up to $25,000 in expenses related to the restoration of your identity during/after an incident of fraud.

Green home coverage

This optional policy endorsement can reimburse for repair, replacement, or rebuilding costs to your home after a covered loss — with the use of green materials. 

Water backup and sump pump overflow coverage

This optional policy endorsement can cover water damage to your home if your sump pump backs up, discharges, or overflows into your home, up to a certain limit. Coverage for flood or surface water backup is not included, though.

Other Travelers Insurance Offerings

• Umbrella insurance
• Wedding and event insurance
• Travel insurance
• Small business insurance
• Truckers insurance

Buying multiple types of insurance at the same company, such as car insurance and homeowners insurance, can net you a significant discount on your premiums. Choosing a large company like Travelers makes it easy to get these “bundling” discounts, especially if your insurance needs change over time.

Travelers Insurance Discounts

Travelers offers extremely competitive discount programs for their customers, especially for car insurance. These discounts include:

• Multiple policy discounts (such as bundling auto and homeowners insurance) 
• Multi-car discounts
• Safe driver discounts
• Good student discounts (i.e., high school or college students maintaining a “B” average or above)
• No coverage gaps discounts
• Owning/leasing hybrid car discounts
• New car discounts
• Students away at school discounts
• Shopping for quotes while still insured discounts
• Electronic pay or on-time pay discounts
• Driver training discounts

An independent insurance agent can help you find even more discounts available through Travelers Insurance, helping you get the most bang for your buck out of your coverage.

Connect with a Travelers Agent Today.

Shopping for insurance? Travelers has you covered.

Travelers Insurance Customer Service

Travelers allows customers to handle customer service issues over the phone or online, any time of the week. The following services are available to assist customers with questions, concerns, or claims:

• Customer service questions/complaints and claims report representatives available 24/7
• For qualifying car insurance customers, roadside assistance is available 24/7
• Quote services available for extended hours, including evenings and weekends:  

Travelers sells insurance primarily through independent insurance agents. These agents can handle claims and customer insurance concerns for you, making customer service even easier.

What to Know about Travelers Home & Auto Insurance

Travelers was founded in 1853, making it one of the oldest insurance companies in the country. 

According to its website, Travelers has about 30,000 employees. They primarily sell insurance through independent insurance agents. Their independent agent network consists of about 13,500 agents in the United States, Canada, the United Kingdom, and Ireland. 

Travelers’ history and massive size has helped it earn a reputation as a notably stable company. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Travelers their highest possible rating, "A++," indicating that it's one of the top insurance companies around today. The "A++" rating assures customers that Travelers Insurance company is highly capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ reputations, AM Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who remains a strong, financially sound company in the long term.

Travelers Insurance FAQs

What is travelers’ average claims response time frame.

While customer service is available through Travelers 24/7, unfortunately, claims response times will depend on the nature of the claim. The official website states that the type of claim and extent of the loss will impact the length of time required to resolve it.

That being said, one nice perk offered by Travelers is their catastrophe response. For claims relating to natural disasters or other catastrophic events, Travelers’ official website states that most claims are resolved within 30 days.

What is Travelers’ customer service availability?

Travelers offers an 800 number for customers to call anytime day or night, any day of the week to speak with a customer service representative.

What is Travelers’ claims process?

Travelers outlines its claims process in four simple steps:

• Customer contacted by Travelers: Travelers will contact the customer shortly after receiving a claim.
• Travelers evaluates the loss: Travelers' claims professional will evaluate the reported loss, which may include the need to schedule a visit from an adjuster. If no home visit is necessary, the claims rep will probably still need photo/video documentation from the customer. 
• Travelers resolves the claim: The claims rep will determine the final amount rewarded to the customer, factoring in any deductibles. The customer can have a check sent to them by mail or can choose to get an electronic payment.
• Travelers might recover the deductible: Travelers may try to redeem your deductible, if your reported loss was caused by a third party. Depending on the outcome, you may have part or all of your deductible amount reimbursed along with the rest of your claim payout. A partial or total deductible reimbursement can take longer than the rest of the claims process.

An independent insurance agent can file claims directly through Travelers for you, and keep you updated through every step of the process.

Does Travelers Insurance create a user-friendly experience for customers?

When it comes to both applying for coverage and submitting insurance claims, Travelers creates a highly user-friendly experience for prospective and current customers alike. Coverage applications can be filled out via the official website or over the phone, and certain states even offer applications through Amazon. With just your ZIP code and some general information about yourself and your home (or car, or whatever you’re applying coverage for), you’ll receive a quote from Travelers almost immediately. In less than five minutes, you can go from pulling up the application to discussing quotes and policies with a Travelers independent insurance agent.

Though submitting insurance claims may not be a fun task, fortunately, Travelers makes the process as close to hassle-free as possible. Thanks to the easily accessible claims portal on the official company website, customers can quickly find important information about the claims process as well as a detailed outline of steps they need to take. Filing and tracking claims can all be done through the company’s website, making the entire experience just about as user-friendly as it gets.

https://www.travelers.com/claims/manage-claim/what-to-expect-during-claim

https://news.ambest.com/presscontent.aspx?refnum=30038&altsrc=9

https://www.bbb.org/us/ct/hartford/profile/insurance-companies/travelers-companies-inc-0111-32000004/customer-reviews

https://clearsurance.com/insurance-reviews/travelers-companies-inc-5835ece073b103329e91ac15

https://www.motor1.com/reviews/394962/average-car-insurance-rates-by-age/#car

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.

Nationwide Insurance

Learn about travel insurance plans offered through Nationwide and how they compare.

Offers single-trip coverage, annual plans and coverage for cruises

Robust limits for emergency medical expenses and medical evacuation

Can purchase preexisting medical conditions waiver with some plans

10-day review period available

Cancel for any reason (CFAR) coverage available with some plans

Coverage may be more expensive than competitors

Baggage delay coverage for individual trips requires 12-plus hour delay

What Nationwide Travel Insurance Is Known For

Nationwide Insurance is unique among other top travel insurance providers since the company offers so many other types of insurance. For example, consumers can turn to Nationwide for homeowners insurance, auto coverage and renters insurance in addition to travel insurance protection.

The company's travel insurance offerings stand out for their generous limits for emergency medical expenses, which start at $75,000 for the single-trip Essential Plan. The higher-tier Prime Plan for single trips comes with $150,000 in medical expense coverage that kicks in after your own health insurance limits are exhausted (when it applies). This compares favorably to many other providers that offer coverage for single trips, which often have limits as low as $10,000 for emergency medical expenses.

Nationwide also has annual travel insurance plans , which is a benefit not all travel insurance companies offer. Annual trip insurance plans can provide protection for all trips taken over the span of 365 days, and they include coverage for trip delays, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

These basic offerings are in addition to Nationwide's cruise-specific travel insurance plans, which offer coverages that are specific to this type of vacation. For example, cruise insurance from Nationwide includes coverage for trip cancellations and interruptions, travel delays, missed connections, itinerary changes, emergency medical expenses and evacuation, baggage and personal effects, and more.

Nationwide Travel Insurance for Individual Trips

Nationwide offers two travel insurance plans to choose from that cover individual trips: the Essential Plan and the Prime Plan. Essential coverage is more basic with lower limits on coverage and no option to add cancel for any reason (CFAR) protection . The Prime Plan offers more included benefits and upgrade options for a higher total cost.

Here's a rundown of all the included benefits you can get with Nationwide travel insurance for individual trips.

Nationwide Travel Insurance for Cruises

Cruise insurance from Nationwide offers a range of important protections that make the most sense for cruise vacations, including specialty coverage for missed connections and itinerary changes. The company offers three tiers of protection that let you choose how much insurance coverage you want to pay for, as shown in the chart below.

Nationwide Travel Insurance for Multiple Trips

Annual travel insurance plans from Nationwide come in three different tiers: Travel Pro, Travel Plus and Travel Pro Deluxe. Note that annual plans from Nationwide are offered without any coverage for trip cancellations and interruptions. Otherwise, available plans let you tailor how much coverage you want for all individual trips you have planned within a single year.

Nationwide Travel Insurance Costs

Travel insurance premiums from Nationwide vary based on the plan chosen, how many travelers are in the plan, the age of travelers, total trip cost and more. To give you an idea of coverage, we received quotes for individual trips in several countries with costs that range from $2,500 to $14,000.

Nationwide is an accredited business with the Better Business Bureau (BBB), where the company features an A+ rating. However, Nationwide has received an average star rating of 1.16 stars out of 5 across more than 300 user reviews with the BBB so far, and the company has resolved 221 individual customer complaints on the platform in the last three years.

The company has an average star rating of just 1.5 out of 5 stars on Trustpilot, but a 4.6-star rating on InsureMyTrip. Here's an overview of some positive and negative user reviews that show the experiences of past customers.

Nationwide Mutual Insurance Essential

Being older, we prefer to be cautious and have been purchasing trip insurance for our major trips. It gave us peace of mind being able to purchase insurance based on our airfare and lodging expenses. Nationwide provided a good value and reassurance. – Paul T. via InsureMyTrip

Nationwide Mutual Insurance Choice Cruise

I did not need to file a claim for this trip, but I have filed 4 claims with Nationwide travel insurance over the last several years, and all 4 were handled promptly and courteously. We will continue to use Nationwide for our cruise travel insurance. – Anna M. via InsureMyTrip

The initial cost of the plan was okay when I first purchased the insurance, but when I tried to add more coverage for additional expenses prior to the trip (e.g., paid for a rented an apartment in Paris), the price was outrageously high. I didn't get all the coverage that I wanted because it became too expensive. – Jeffrey H. via InsureMyTrip

Terrible claim service

Terrible claim service. I filed a small claim for our cancelled Israel trip. All I get is endless requests for more documents. I've sent them everything you can imagine and just get back the same message, "Please send the official cancellation letter". I've sent all communications including one where the travel company offered a different trip. Nationwide is garbage coverage. Don't waste your money.

Update: Nationwide Consumer Relations got involved and approved my claim. I’m waiting on the check. – Rob via Trustpilot

Asking us to return claim $

Trip planned for Caribbean. 3 days before our trip our island was in the path of a Cat 5 hurricane. Hotel said under a hurricane watch we would be asked to leave property. Search of flight, none would have been available to escape. We would have been stranded with nowhere to go. We elected to not get caught in a Cat 5. Hurricane turned a little so the hotel didn't close down. Nationwide paid our claim. A gutless Nationwide auditor did a claims review 3 months later and they want the full amount returned. Three employees of Nationwide said we had a valid claim. Not the auditor. Buyer beware! Taking them to court. – Brian W. via Trustpilot

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. 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. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency, Travel Blue Book .

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

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

Travelers Homeowners Insurance Review 2024

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 .

Coverage options Ratings are based on the number of coverage options a company offers in comparison to other insurers.

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

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

• User-friendly features on website and app.
• Discounts for eco-friendly homeowners.
• Draws fewer consumer complaints than expected for a company of its size.
• Doesn’t insure mobile or manufactured homes.

About Travelers home insurance

Travelers homeowners insurance earned 4.5 out of 5 stars for overall performance. Founded in 1864, Travelers sells homeowners policies in most U.S. states. You can contact an independent agent to walk you through your coverage needs and then manage your policy online with ease.

» MORE: The best homeowners insurance companies

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies .

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners , and here’s how we make money .

Where Travelers stands out

Options for eco-conscious homeowners. With Travelers’ green home coverage, you can make sure your home is repaired with environmentally friendly materials. If your home is already a certified green home, you can get a discount.

Customer service. Travelers offers a variety of ways to get help, including agents, a customer service line and a live chat. Its low volume of customer complaints suggests that many homeowners are satisfied.

Where Travelers falls short

Coverage for manufactured and mobile homes. Owners of these types of homes will need to find another insurer.

State availability

Travelers currently offers homeowners insurance in 45 states and Washington, D.C.

Travelers home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

For more details, see What Does Homeowners Insurance Cover?

Beyond these basic types of coverage for your home and belongings, Travelers offers the following add-ons:

Special personal property coverage. Standard personal property coverage pays out if your belongings are stolen or damaged due to disasters listed in your policy. This add-on broadens your coverage to pay out for damage from any disaster — unless it’s specifically excluded in your policy.

Contents replacement cost . If your belongings are stolen or destroyed, Travelers will reimburse you with enough money to buy new replacements rather than lowering your payout for older items based on depreciation.

Additional replacement cost coverage. This provides extra funds if your home is destroyed and the cost to rebuild it is more than your dwelling coverage limit.

Extra coverage for jewelry and valuables. You can raise your coverage limits for certain valuable items or put them on a separate policy if the standard homeowners policy doesn’t provide sufficient coverage.

Water backup and sump pump discharge or overflow. This rider adds coverage if drains, sewer lines or sump pumps back up and cause water damage to your home.

Identity fraud . With this coverage, Travelers may reimburse you up to $25,000 if your personal information is stolen and used fraudulently.

Green home coverage. This rider pays for you to use environmentally friendly materials when repairing or rebuilding your home after a covered claim.

Travelers home insurance rates

NerdWallet compared Travelers’ average home insurance rates to those of other widely available insurers across the U.S. At $2,010 per year, on average, Travelers home insurance is more expensive than the national average of $1,915. Below are average rates for a few other major U.S. insurers.

Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your rates will be different.

Those looking to save money on their homeowners insurance may be able to save by:

Bundling more than one type of coverage.

Having a clean claims record.

Buying a home within the previous 12 months.

Installing smoke detectors, fire alarms, interior sprinkler systems, home security systems, smart-home technology or other protective devices.

Having your house certified as a “green home” by the U.S. Green Building Council's Leadership in Energy and Environmental Design, or LEED, rating system.

Consumer complaints

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

Consumer experience

Website: Travelers’ site makes it easy to manage your policy, starting with an online quote. You can use the site to learn about homeowners insurance, contact your agent, pay your bill, update your policy and submit and track claims.

App: Travelers has mobile apps compatible with iOS and Android devices. On the app, you can view policy information, pay bills, report claims and set up autopay.

Claims: You can file a claim online, through the Travelers app or by phone at 800-252-4633. For help, see how to file a home insurance claim .

Customer service: You can contact Travelers 24/7 at 866-336-2077. You can also live chat with an agent from 7 a.m. to 6 p.m. ET weekdays, a feature that isn’t yet available on the app.

Travelers vs. competitors

Travelers vs. allstate home insurance.

Travelers and Allstate are two of the biggest insurers in the U.S. and offer a range of coverage options for homeowners. One difference between them is that Travelers draws fewer consumer complaints to state regulators than expected for a company of its size, while Allstate draws more. That suggests Travelers may have an edge when it comes to keeping its policyholders happy.

Both companies have websites with lots of useful self-service features, including online quotes, payments and claim filing. But Allstate and Travelers also have agents who can offer more personalized service if you need it.

Learn more in our Allstate home insurance review .

Travelers vs. Geico home insurance

The primary difference between Travelers and Geico home insurance is that Travelers sells its own policies while Geico works with third parties. If you call a Geico agent or visit its website for a quote, the company will match you with another insurance provider to get coverage. If you need to file a claim, you’ll have to contact the other insurer.

Travelers and Geico offer a discount if you bundle home and auto insurance. You may also be able to save with either company if you have certain safety or security devices in your home. But Geico’s discount and coverage options may vary based on which insurer the company pairs you with.

Get more details by checking out our Geico home insurance review .

Current Product

The bottom line

Travelers is an established insurer with solid coverage and customer service, making it an option worth considering for many homeowners across the U.S. Eco-conscious homeowners may be especially interested.

Yes, you are covered for theft of your belongings — not only when they’re in your home but also when they’re in your car or anywhere else you might take them, like a hotel room. Learn more about what your homeowners insurance policy covers .

No. To find companies that do, see NerdWallet’s guide to mobile home insurance .

Travelers sells a range of policies, including car, renters, condo, umbrella, boat, travel, pet and landlord insurance. Check out NerdWallet’s Travelers auto insurance review and Travelers renters insurance review for more details.

Yes, you are covered for theft of your belongings — not only when they’re in your home but also when they’re in your car or anywhere else you might take them, like a hotel room. Learn more about

what your homeowners insurance policy covers

No. To find companies that do, see NerdWallet’s guide to

mobile home insurance

Travelers sells a range of policies, including car, renters, condo, umbrella, boat, travel, pet and landlord insurance. Check out NerdWallet’s

Travelers auto insurance review

Travelers renters insurance review

for more details.

Homeowners insurance star ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

Consumer complaints (30%).

Financial strength (30%).

Coverage (20%).

Consumer experience (10%).

Discounts (10%).

Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

$300,000 in dwelling coverage.

$30,000 in other structures coverage.

$150,000 in personal property coverage.

$60,000 in loss of use coverage.

$300,000 in liability coverage.

$1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

On a similar note...

Travelers Homeowners Insurance Review

Show Similar Products

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Travelers has been helping Americans insure their belongings for over 160 years and offers coverage across all 50 states. The company also provides vehicle, travel, event, and umbrella policies depending on your needs and offers discounts when you bundle multiple policies. Where Travelers homeowners insurance stands out from the crowd is customization. 

With Travelers, you may be able to tailor coverage to suit your needs with situation-specific add-ons, from green home coverage to jewelry protection and identity fraud protection. The company fares less well when it comes to customer service, scoring below-average for claims satisfaction and above-average in total complaints.

If you’re looking for customizable homeowners insurance backed by in-depth industry experience, Travelers could be a great fit. If top-tier customer service is your priority, other providers may better meet your needs. Be sure to check our best homeowners insurance companies page to learn about other insurance companies as well.

Travelers Overview

Travelers homeowners insurance is available in all 50 states, and according to AM Best, the company’ Financial Strength Rating is A++. On YouGov.com’s authority, Travelers is the 24th most popular insurance brand, with 71% of people being familiar with the company. 

The company has been accredited with the Better Business Bureau (BBB) since 2010 and has an A+ rating with the organization. However, based on customer reviews and complaints, Travelers has 1.13 out of 5 stars. Many of the complaints are regarding Travelers’ auto insurance, but home insurance customers have complained about not being qualified for discounts, filing claims to the company, hidden fees, and increasing premiums.

• Mutlitple coverage options: Travelers policyholders might be able to customize their policies with options like special personal property, water backup coverage, and green home coverage.
• Wide range of discounts: You may be able to save money with the variety of deals and discounts that this company offers, such as protective device discounts, green home discounts, loss-free discounts, and home buyer discounts.
• National homeowners insurance coverage: Travelers home insurance is available nationwide.
• Inconsistent customer satisfaction: J.D. Power and the Better Business Bureau ratings indicate a high rate of customer complaints, while NAIC has better rankings, showcasing a hit-or-miss experience.
• You might have to call to complete the purchase: For those that prefer doing everything online, this could be a roadblock, as you might need to contact an agent to complete your purchase.
• Hidden fees and rising premiums: Many complaints about Travelers revolved around surprise fees on policies, including raised premiums.

Travelers Highlights

Travelers home insurance uses an in-depth online application to generate policy quotes based on where you live, if you’ve recently moved, what type of house you live in, including square footage, siding type, heating system, year built, and any “green” features such as solar panels, along with your credit score (depending on your state). While the quote will vary significantly across home types and policy coverage needs, Travelers does have a reputation for competitive rates offering and discounts for customers. However, getting quotes for multiple providers for the same coverage might help you to see who offers the best deal.

Standard insurance policies from Travelers homeowners insurance are HO-3 forms, the most common coverage, which covers damage to homes from any peril not specifically excluded, but only covers your personal property from the perils specifically named in your policy. . The policy also typically protects visitors if they are injured on your property and covers loss of use in the case your home is no longer habitable.

Travelers also offer add-on coverages, such as special personal property, content replacement cost, jewelry and valuable items, personal articles floater, water backup and sump pump overflow, identity fraud, and green home protection. If you are wondering how to estimate the homeowners insurance for you, check out our guide.

The overall Travelers homeowners customer experience is hit or miss. While the site contains great educational resources to help homeowners figure out their coverage needs, the company scores 803/1,000 on the J.D. Power 2020 Home Insurance Study , which is below average. Still, the company has fewer complaints than average on homeowners customer satisfaction according to the NAIC .

If customers need support, they can reach out to Travelers by phone, check out the company’s in-depth online FAQ section, or log in to their account to view current policy details. Travelers’ mobile app is user-friendly and allows you to file claims, make payments, access virtual ID cards and manage your policy directly.

Homeowners may have access to a variety of discounts and deals from Travelers. For example, purchasing a car insurance policy from Travelers in addition to homeowners coverage could save you 12%, on average, and you can save up to 5% if your home is LEED-certified green. The company also offers a new homebuyers discount for customers who purchased their home in the last 12 months, along with discounts for homeowners who haven’t experienced a home loss within a specified time period.

Methodology

We evaluated the company based on their customer rating and experience, financial stability, and coverage to determine Reviews.com score and create our Travelers Homeowners Insurance Review. To compare this company with home insurance companies across the board, we then compared each Reviews.com score based on the following:

• Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
• Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
• Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
• Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition

*All information accurate as of 07/29/2021.

Travelers vs. State Farm

When we compared Travelers to State Farm, we found that both companies offer a robust web experience for their customers. Although Travelers has a user-friendly website and an intuitive app, State Farm excels at educational resources for their customers and having a positive web experience.

In terms of customer service, Travelers got a J.D. Power score of 803/1,000, which is lower than State Farm’s 829/1,000. Both companies have low NAIC complaint index scores for their homeowners insurance products. Another thing that made Travelers stand out against State Farm is that it has more coverage options and discounts for properties.

Travelers vs. Liberty Mutual

While evaluating Travelers against Liberty Mutual, we liked that both companies have extensive discounts for their customers. However, Liberty Mutual offers unique discounts such as paperless statements and also offers insurance-to-value. Both companies offer optional coverages that could allow policyholders to customize their coverage and Liberty Mutual is one of our top picks for the best homeowner insurance companies . 

Travelers edges out Liberty Mutual when it comes to customer service. The two companies’ J.D. Power scores are nearly identical, but the NAIC complaint index tells a much different story: Travelers has very few complaints, while Liberty has more than four times the national average number of complaints for its homeowners insurance. Travelers also has more financial stability than Liberty Mutual, with Travelers earning an A++ from AM Best, compared to Liberty’s A.

Travelers vs. Allstate

Both Travelers and Allstate offer customers extensive optional coverages to help build policies tailored to individual needs. Similarly, both companies offer a handful of discounts — Allstate features eight on its website, and Travelers features five. Allstate made our list of best home insurance companies because of these attributes.

Travelers has a slightly higher financial strength rating than Allstate, with an A++ (Superior) rating compared to Allstate’s A+ (Superior) rating. Customer service reviews are mixed. Allstate received a higher J.D. Power score than Travelers. Despite this, the NAIC recorded fewer complaints about Travelers than it recorded about Allstate. Based on its stronger financial strength and fewer NAIC complaints, Travelers edged out Allstate for a higher Reviews.com Score.

The Bottom Line

Travelers homeowners insurance offers the benefit of industry experience and customizable policies to help homeowners protect their property and enjoy peace of mind. The company doesn’t fare so well when it comes to customer service, however, scoring below average across claims satisfaction and overall service.

If customization and availability of ranges of discounts are your priorities, Travelers could be a good option for your home insurance policy. If excellent service is your insurance standard, you may want to consider a different home protection partner.

Travelers Homeowners Insurance FAQ

What other property insurance does travelers offer.

Travelers also offer individual and business insurance to cover specific property and general liability risks, along with condo, renters, and landlord insurance. For those customers who already have a policy with the company, bundling multiple coverage types might reduce their total premium cost.

How much home insurance do I need?

While there’s no specific amount of insurance required by law, your lender will likely require you to carry enough dwelling coverage to pay off your mortgage if your home is destroyed. You might consider using an online tool to determine your home’s rebuilding value and the value of your personal property, although most insurance companies run these calculations when they quote your policy. Check out our Homeowners Insurance FAQ and our article on how to estimate your homeowners insurance for more information about striking a balance between protection and premium price.

Where is Travelers homeowners insurance available?

Travelers homeowners insurance is available across all 50 states.

How does Travelers underwrite their home insurance policies?

Given its history in the insurance industry, Travelers chooses to underwrite all of its policies in-house.

What does Travelers home insurance typically cover?

Typical homeowners insurance from Travelers covers your primary dwelling, other structures such as detached garages, personal property inside your home, and loss of use. Personal liability is also covered in case of a third-party injury. The company also offers a variety of add-on coverage options for green homes, identity fraud, special personal property, and water backup or sump pump overflows.

About the Authors

Cate Deventer Insurance Editor

Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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Table Of Contents

Introduction to iTravelInsured Travel Insurance

• Types of Policies Offered
• How to Purchase and Manage Your Policy
• Customer Service and Claims Experience

Compare iTravelInsured Travel Insurance

• Why You Should Trust Us

iTravelInsured Travel Insurance Review 2024

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

Planning a vacation can be an exciting endeavor. Regardless of where and why you're traveling, it's vital to ensure that you're protected if something goes wrong. And this is why travel insurance is important.

In this review of iTravelInsured Travel Insurance , a well-known name in the industry, we'll share the company's insurance offerings, look at premium costs, and let you know how to file a claim. We'll also share a couple of comparisons between iTravelInsured and some of the best travel insurance companies . 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Six different plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for Any Reason and Interruption for Any Reason coverage available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Specialized plans for missionaries, seniors, and students in a cultural exchange or study abroad program
• con icon Two crossed lines that form an 'X'. Higher-end plans are on the expensive side
• con icon Two crossed lines that form an 'X'. Travel Essential plan has lower coverage compared to comparable plans through some competitors
• Six travel insurance plans to choose from
• Travel LX plan is the most popular option, and includes up to $2,500 in trip delay coverage and the option to add CFAR insurance
• Emergency medical coverage of up to $500,000 (primary or secondary depending on the plan)
• Coverage for baggage delays, loss, missed connections, and more

iTravelInsured is a collection of travel insurance policies provided by International Medical Group, more commonly known as IMG. One of the industry leaders in travel insurance, IMG provides policies for travel medical insurance , international health insurance, and comprehensive travel insurance. iTravelInsured offers trip protection and medical coverage across six plans.

With six plans to choose from, including a low cost plan and a plan for adventure sports travelers, customers are likely to find a plan that suits their needs. iTravelInsured's Travel Lite plan is particularly interesting, managing to keep its rates relatively low, even for older travelers.

We'll get into more details about iTravelInsured's customer reviews, but it's worth mentioning at the top that the claims process for iTravelInsured isn't great, with many customers reporting unresponsiveness, partial claims payouts, and months-long processing times. 

Types of Policies Offered by iTravelInsured

iTravelInsured offers six primary plans: Travel Lite, Travel SE, Travel LX, Travel LX Basic, Travel Sport, and Travel Essential. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Determining which of these plans will best suit your needs will depend on your budget and which coverages matter most to you.

For example, the Travel LX plan offers the highest coverage limits but will also cost the most. In comparison, the Travel Lite plan is designed for budget-conscious travelers. Its coverage limits are lower than the other plans, but you'll also pay less for your policy.

Additional Coverage Options from iTravelInsured

iTravelInsured only offers two optional add-ons to its top-tier Travel LX plan. These include CFAR (cancel for any reason) and IFAR (interruption for any reason) coverage. And these add-ons must be purchased within 20 days of the initial trip deposit.

iTravelInsured Travel Insurance Cost

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

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

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

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

• iTravelInsured Travel Lite: $ 87.77
• iTravelInsured Travel SE: $100.43
• iTravelInsured Travel LX: $183.06
• iTravelInsured Travel Sport: $194.01

Premiums for iTravelInsured plans are between 2.9% and 6.5% of the trip's cost, well within the average cost of travel insurance.

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

• iTravelInsured Travel Lite: $117.74
• iTravelInsured Travel SE: $135.36
• iTravelInsured Travel LX: $235.53
• iTravelInsured Travel Sport: $246.91

Once again, premiums for iTravelInsured plans are between 2.9% and 6.2% of the trip's cost, within and below the expected range of travel insurance costs.

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

• iTravelInsured Travel Lite: $687.18
• iTravelInsured Travel SE: $807.78
• iTravelInsured Travel LX: $1,270.92

Quotes for this trip cost between 3.4% and 6.4%, within and below the average cost of travel insurance. 

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

• iTravelInsured Travel Lite: $423.86
• iTravelInsured Travel SE: $449.74
• iTravelInsured Travel LX: $662.28

Quotes for this trip cost between 7.1% and 11%, which is generally higher than the average cost of travel insurance. Older people often pay more for insurance, and iTravelInsured is no exception. That said, its policies for older travelers aren't as high as some of its competitors.

How to Purchase and Manage Your iTravelInsured Policy

You can by iTravelInsured either through the IMG website . You'll need to be prepared to provide the following information about yourself and your trip:

• Travel dates
• Primary travel destination 
• Traveler(s) information (age, gender, citizenship, residence, state)

You'll be shown quotes for all of IMG's travel insurance plans that apply to you and your trip. 

How to File a Claim with iTravelInsured

You must submit a claim within 30 days of the loss.

Claims with iTravelInsured will be handled through its claims center . You can contact customer service or the claims center 24 hours a day at 866-347-6673 or 1-866-243-7524, respectively.

Claims forms and information can be mailed to:

IMG iTravelInsured Claims

PO Box 3231

Farmington Hills, Michigan 48333-3231

You can also email claims to [email protected].

iTravelInsured must pay your claim within 30 days of receiving your proof of loss. If you're not paid within 30 days, your claim starts accruing interest at 6% APY until the date of late payment.

iTravelInsured Customer Service and Claims Experience

IMG, the company that operates iTravelInsured, is very well reviewed, receiving an average of 4.6 stars out of five on Trustpilot and a 4.22 on Squaremouth. Many customers spoke highly of the company's buying process, saying that the price was reasonable, the application was easy to complete, and customer service agents were polite and knowledgeable.

That said, customer reviews of IMG's claims don't line up with the volume of outstanding reviews it has. Customers reported claims taking several months to process. Many of the five-star reviews of IMG's claims services are filed by people who have recently filed, but haven't heard back yet. 

In addition to long wait times, customers also reported that claims agents were largely unavailable, and customer service representatives, while polite, were ultimately powerless in escalating a claim. Additionally, multiple customers reported only receiving partial compensation without explanation. One customer mentioned that mental illness was not included as a covered illness, writing, "Almost a medieval view of what constitutes an illness."

While IMG and iTravelInsured aren't alone when it comes to a long, uncommunicative claims process, it's even more concerning that IMG's customer service team doesn't respond to any reviews, which is often a good way to reach your insurance provider. 

Learn more about how iTravelInsured travel insurance compares to top travel insurance providers. 

iTravelInsured vs. AIG Travel Guard

We'll look at a couple of different plans from both iTravelInsured and AIG Travel Guard  to compare and contrast the coverage between the two companies.

We'll start with iTravelInsured's Travel Essential and AIG's Essential plans.

AIG's Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, and up to $100 per day ($500 total) for delays of 12 or more hours, and coverage for lost or delayed baggage.

In comparison, iTravelInsured's Travel Essential offers trip cancellation coverage of 100% of the trip cost, $0 of emergency medical evacuation coverage, up to $2,000 (with a $250 daily limit) for trip delays of 12+ hours, and no lost or delayed baggage coverage.

So in this instance, it's pretty easy to decipher the main differences between these plans. And to see that you'll get much better coverage with AIG's Essential plan.

Now we'll look at both of the highest-tier plans from each provider.

AIG's Deluxe plan, the highest-tier option, provides trip cancellation coverage of up to $150,000, emergency medical evacuation coverage of up to $1,000,000, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

iTravelInsured's Travel LX plan provides trip cancellation coverage of 100% of the trip cost, up to $1,000,000 in emergency medical evacuation, up to $2,500 with a $250 daily limit )reimbursement for travel delays of 6+ hours, and relatively high limits on coverage for delayed or lost baggage.

In this instance, the Travel LX policy provides superior coverage. But it's important to always get quotes for your particular situation to find the policy that best fits your needs and budget.

Read our AIG Travel Guard insurance review here.

iTravelInsured vs. Allianz Travel Insurance

Both iTravelInsured and Allianz offer various plans with varying levels of coverage designed for different types of travelers. These include single-trip plans and policies covering those who take multiple trips per year.

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

iTravelInsured's most popular plan is the Travel SE plan, which provides trip cancellation coverage of 100% of trip costs, trip interruption coverage of 150% of trip costs, emergency medical coverage for $250,000 (primary coverage), coverage for baggage loss, theft, or damage up to $1,500 ($250 per item), and up to $2,000 ($125 daily limit) in travel delay coverage for delays of 12+ hours. Overall, it offers more coverage than Allianz in this example.

Again, it's best to compare quotes using your personal and trip details to determine which policy is the best for you. Various factors will determine the final cost of any of these policies.

Read our Allianz travel insurance review here.

 iTravelInsured vs. Credit Card Travel Insurance

If you have a travel credit card, check its insurance coverages before purchasing a travel insurance plan from iTravelInsured or another company. That way, you won't be paying twice for coverage you might already have! Some basic insurance coverages, like primary rental car insurance, are offered through many travel rewards credit cards.

It's worth considering whether your credit card travel protection is primary or secondary. Secondary coverage will only kick in after any other relevant travel insurance policies you have. And note that insurance provided through a credit card likely won't cover medical issues, just things like trip and baggage delays.

Once you're clear on the coverage you have through your credit cards, you can purchase travel insurance to fill in the gaps.

See our guide to the best credit cards with travel insurance.

iTravelInsured Frequently Asked Questions (FAQ)

Yes, iTravelInsured is great for international trips, offering coverage for medical emergencies, evacuations, and adventure sports.

iTravelInsured offers adventure sports coverage in its Travel Sport plan, with coverage for sports rental equipment, medical emergency coverage for hazardous sports, and search and rescue.

Customer reviews typically indicate that iTravelInsured has an efficient claims processing system, characterized by timely responses and a supportive claims handling team.

Coverage for pre-existing conditions depends on the iTravelInsured plan you purchase. Its Travel Lite plan doesn't offer pre-existing condition waivers , but its Travel SE and Travel LX plans do, as long as you purchase your policy within the specified window. You must purchase a Travel SE policy within 20 days of your initial trip payment and your Travel LX within 24 hours of your final trip payment.

iTravelInsured stands out for its variety of plans, long trip lengths, and lower rates.

Why You Should Trust Us: How We Reviewed iTravelInsured

We looked at a variety of factors in reviewing the travel insurance plans offered by iTravelInsured. We also compared them to plans offered by other reputable travel insurance companies. And considered things like coverage limits, premiums costs, available add-ons, and more. 

Because the costs and available coverage depend primarily on the specific traveler's personal and trip details, it's best to compare a number of different options to determine which fits your needs. That way you'll know you're getting the right amount of coverage aligns with your needs and your budget.

Read more about how Business Insider reviews insurance products here.

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

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

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