delta life insurance travel insurance

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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• Life Insurance
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Delta Life Insurance Company Review

Simple whole life policies, but watch out for high levels of complaints

Delta Life Insurance

The Delta Life Insurance Company specializes in basic whole life policies with relatively low coverage amounts. While it does offer some useful benefits, the company has received substantially more customer complaints than is typical for a company of its size. It also requested that AM Best no longer include it in the evaluation process, so its financial stability has not been evaluated. With those drawbacks in mind, you should consider the many other companies that offer similar policies that have better reputations for service and financial strength. 

• Pros & Cons
• Key Takeaways
• Company Overview

Multiple riders available

Coverage for special circumstances included with some plans

Extremely high number of complaints

Not rated by AM Best

Limited policy information available

• The Delta Life Insurance Company was founded in 1958 and is based in Atlanta, Georgia.
• It sells basic whole life policies that are geared toward households with modest incomes.
• Coverage amounts are $25,000 or less.
• The company is only licensed in Georgia, Mississippi, and South Carolina.
• It’s not rated by AM Best and it has received far more complaints than the industry standard.

The Delta Life Insurance Company was founded in 1958. Based in Atlanta, Georgia, the company is a relatively small insurer. It has just 250 employees and it generates about $75 million in sales. 

Today, the company sells basic whole life insurance policies that are geared to people with modest incomes. Its plans are sold through independent agents who work on commission. 

The Delta Life Insurance Company primarily markets its life insurance products to residents of Georgia, but it is licensed to sell life insurance in three states: Georgia, Mississippi, and South Carolina. 

In addition to life insurance, Delta also sells property and casualty insurance through its subsidiary, Delta Fire and Casualty.

Pros Explained

Cons explained, available plans, available riders, customer service, complaint index, third-party ratings, cancellation policy, competition, methodology.

The Delta Life Insurance Company is not one of our top-rated life insurance companies. You can review our list of the best life insurance companies for what we think are better options.

• Multiple riders available: When you purchase a policy from Delta Life Insurance Company, you can add optional riders to your plan. Delta does have multiple riders to choose from, including child term, accidental death, and waiver of premium riders. 
• Coverage for special circumstances included with some plans: With some of Delta’s plans, coverage is included for special circumstances. For example, some plans include added benefits if you experience loss of eyesight or limbs, are killed in an accident while on a common carrier, or die in an accident. 
• Extremely high number of complaints: The Delta Life Insurance Company has received an extremely high number of consumer complaints. Its complaint ratio was 14 times as high as the industry standard.  
• Not rated by AM Best: Most life insurance companies are evaluated and rated by AM Best, a credit rating agency. The agency issues its opinions on the financial stability of insurers. In 2008, AM Best downgraded Delta’s rating. That same year, the company requested that it be removed from AM Best’s evaluation process and it hasn’t been rated since.  
• Limited policy information available: Delta publishes very little information about its policies online. Besides basic brochures that explain the plan options, it doesn’t offer any information about its rates or cancellation policies. For details, you must contact a Delta insurance agent.  

In 2021, the Delta Life Insurance Company collected $15 million in annual premiums. To put that in perspective, consider that Northwestern Mutual—the largest writer of individual life insurance based on direct premiums written—had annual premiums totaling $17.7 billion for its individual life insurance segment.

The Delta Life Insurance Company caters its products to households with modest incomes. It only sells whole life policies, and its coverage amounts are relatively low. With whole life policies, you get coverage for your entire lifetime, so you don’t have to worry about your plan expiring as long as you pay all of your premiums on time. Whole life policies can also build cash value over time, and Delta offers four policy options: 

Classic Preferred Series

The Classic Preferred Series is a whole life policy for non-smokers in good health. Its rates are lower than you’d get with other policies and it includes accidental death and waiver of premium benefits. This plan is available to people 74 or younger. The maximum policy amount is $25,000. 

Graded Policy

If you are not in the best health, you may be able to qualify for life insurance by purchasing the Delta Graded Policy option. With this policy, the benefits are graded for the first few years, meaning it will pay out a smaller benefit if you pass away.

One Parent Family Policy

The One Parent Family Policy is specifically designed for single parents. It includes accidental death coverage, as well as benefits if you lose your eyesight or limbs. It also pays an added benefit if you die in an accident while you’re a fare-paying passenger on a common carrier. 

10 Pay/20 Pay Whole Life

With the 10 Pay/20 Pay plan, you can make payments for either 10 or 20 years. After that, you no longer have to pay premiums, but your policy remains in effect. 

The 10 Pay plan is only available to people ages 25 or younger, making it a good option if you’re a parent buying a policy on behalf of a child. The 20 Pay plan is available to anyone 65 or younger. The maximum coverage amount is $20,000. 

As with other insurance companies, the Delta Life Insurance Company offers some endorsements, also known as riders, that you can use to adjust your coverage. Insurance riders allow you to access your benefits while living, purchase insurance for a family member, or get an added benefit under special circumstances. 

Delta offers the following riders: 

Accidental Death Benefit

Included in the One Parent Family and Classic Preferred Series policies, the accidental death benefit provides your beneficiaries with a larger death benefit if you die as a result of an accident. 

Child Insurance

An optional rider, you can add the children’s insurance rider to your policy to get life insurance for your children. You can purchase term life coverage for your child and when they turn 22, they can convert the policy to whole life coverage and get up to five times the face amount. 

Common Carrier Accidental Death

The common carrier accidental death rider is included in the One Parent Family policy. If you die while on a common carrier as a fare-paying passenger, your beneficiaries will receive a death benefit that is three times the face amount. This rider expires once you turn 70. 

Loss of Eyesight or Limbs

If you lose your eyesight or limbs, additional benefits will be paid directly to you. Your premiums will also be waived and your policy will remain in force. This rider expires when you turn 70. 

Waiver of Premium

The waiver of premium rider can be beneficial if you become disabled and are unable to work. The rider will waive the premiums but keep your policy active. This benefit expires when you turn 60. 

To get any details about Delta’s policies, cancellation terms, or pricing, you must contact an insurance agent. Delta’s agents work on commission and they have a financial incentive to sell policies to you. Make sure you do your homework to ensure you only buy the life insurance plan that is right for you. 

The Delta Life Insurance Company’s website is very barebones, and it doesn’t allow policyholders to make payments, start a claim, or download forms online. If you need to make any changes to your policy or want to make a payment, you must contact your agent. 

If you have general questions, you can contact Delta by calling 404-231-2111. If you have questions related to claims, you can call the general customer service line or email [email protected] . 

When you’re shopping for an insurance policy, checking out what existing customers have to say about insurers is a good idea. An excellent resource is the National Association of Insurance Commissioners (NAIC). 

The NAIC collects all complaints that consumers submit and uses them to determine companies’ complaint ratios—a measure of how many complaints each company received relative to their share of the insurance market. The industry standard is 1.0, so a company with a ratio above that number received more complaints than expected. 

With that guideline in mind, Delta’s complaint ratio is extraordinarily high. In 2020, the Delta Life Insurance Company’s complaint ratio was 14.72 for its individual life insurance segment—substantially worse than the industry standard. In fact, its ratio was 14 times as high as expected for a company of its size.  

For the past three years, Delta’s complaint ratio was much higher than the industry standard.

Most major insurance companies are evaluated and rated by AM Best, a credit rating agency that issues its opinions on insurers’ financial stability. 

However, Delta Life Insurance has not been rated by AM Best in years. In 2008, AM Best downgraded Delta’s Financial Strength Rating to B- (Fair). That same year, the company requested that it be removed from AM Best’s interactive rating process, so the company has been given an NR-4 (Not Rated—Company Request) distinction ever since.  

As a small regional insurer, Delta was not included in the J.D. Power 2020 U.S. Individual Life Insurance Study. The study evaluated and ranked the largest life insurers in the country based on available plans, prices, and customer service.  

While Delta doesn’t publicly post details about its cancellation policies, all insurance companies must honor "free look" periods. Generally lasting 10 days, free look periods give you time to review your policy and cancel it if you change your mind. If you cancel your policy within the free look period, you’ll get a full refund of all the premiums and fees you paid. 

Once the free look period expires, you can cancel your policy but you may have to pay fees. Contact your Delta agent for information about policy surrender charges and cancellation processes. 

The Delta Life Insurance Company doesn’t list typical policy rates, nor does it have an online quote tool. To get information about its premiums, you have to work with an insurance agent. 

As with other insurance companies, Delta requires you to select either “male” or “female” when getting a quote or applying for a life insurance policy. Being nonbinary doesn’t disqualify you from getting life insurance , but you should be aware that most insurance companies haven’t updated their underwriting processes to reflect a current awareness of gender issues. 

Delta Life Insurance Company offers few plan options and has low coverage amounts. Also, it has received a high number of complaints over the past few years and it hasn’t been evaluated by AM Best recently. 

If you’re looking for a company that has a better reputation for its customer service, financial stability, and policies, consider Northwestern Mutual. It’s the largest individual life insurance company based on direct premiums written and it’s our choice for the best whole life insurance insurer.  

Northwestern Mutual has 12 different policy options, including whole, term, universal, and variable universal life plans. It has multiple riders you can add to your policy to customize your plan, and the company has a much stronger reputation within the insurance industry than Delta. 

In 2021, Northwestern Mutual’s complaint ratio for the individual life insurance segment was just 0.03, better than the industry standard. And in 2021, AM Best affirmed the company’s A++ (Superior) Financial Strength Rating, the highest rating possible.  

While the Delta Life Insurance Company markets itself to modest-income households, it may not be the best choice for you if you’re looking for affordable coverage. It has an extremely high complaint ratio and hasn’t been evaluated by the credit rating agencies in years. There are many other companies that offer basic policies with affordable face amounts with better reputations for service and financial transparency. 

Our reviews of life insurance companies are based on a quantitative methodology that analyzes each insurer on their stability and reliability, customer service, claims experience, diversity of product lines, and cost. We compare the terms of each type of policy offered—including available coverage amounts, optional riders, and premium payment options—with those of other major life insurance companies. Lastly, we look at how the company is rated by third-party organizations to determine its reliability and overall reputation. 

NAIC. " Complaint Index - Delta Life Insurance Company ."

AM Best. " AM Best Downgrades and Withdraws Ratings of Delta Life; Affirms and Withdraws Ratings of Delta Fire & Casualty ."

NAIC. " Complaint Index - Northwestern Mutual ."

Insurance Information Institute. " Facts + Statistics: Life Insurance ."

J.D. Power. " Life Insurance Customer Satisfaction Flatlines Despite Pandemic Fears, J.D. Power Finds ."

AM Best. " AM Best Affirms Credit Ratings of The Northwestern Mutual Life Insurance Company and Its Subsidiary ."

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Overseas Mediclaim Policy

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(Travel Health Insurance)

This is a distinctive “Short Term Health Insurance Policy” issued to Bangladeshi Nationals as well as resident Foreigners living in Bangladesh who intend to travel abroad for Official, Business, or Holiday trip. It is also a pre-requisite for Visa application of developed countries especially schengen states.

Requisites for taking out an "Overseas Mediclaim Policy"

• “Proposal Form” duly filled in and signed by the traveler. (click to “Form Download”)
• Premium Rate Chart Schengen & Non Schengen
• Terms and Conditions
• “Photocopy of Passport” – the first page that contains details about passport holder.

Basic Information about "Overseas Mediclaim Policy"

• Policy has to be taken before traveling abroad.
• Policy is issued only to Bangladeshi Nationals & Resident Foreigners.
• Policy Premium depends on “Age of Proposer” and “Duration of Trip”.
• Any “Alteration”, should be made before “Policy Commencement Date”.
• Emergency medical treatment of illness & accident
• Transport and repatriation in case of illness & accident
• Repatriation of mortal remains.
• Pre-existing medical condition.
• Mental Illness and Suicide,
• Pregnancy & Child Birth.
• Euro 30,000 for visit to Schengen Countries (without any deductible).
• US$ 50,000 for visit to Non-Schengen Countries (with deductible of US $100)
• US$ 1,00,000 (with deductible of US $100)

Few Other Important Aspects of Overseas Mediclaim Policy

• "Proposal Form" may be downloaded from our website.
• Physical presence or photograph of proposer is not required to take out a policy.
• One stop service for policy issue at 11th floor of Delta Life Tower.
• Only about an hour is required to issue an Overseas Mediclaim Policy.
• Policy is issued to Individuals from the age of 6 months up to 79 years.
• Policy from Delta Life Insurance is universally accepted by all Embassies.

For more Information please contact our customer care service desk or your nearest Delta Life office.

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Six Travel Mistakes to Avoid

No travel medical insurance? Unnecessary luggage and hotel fees? Here are the biggest travel mistakes people make and how you can avoid them.

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Even the most seasoned tourists can make travel mistakes when planning a vacation. Some blunders can be minor infractions, but others can cost travelers a lot of money and heartache. 

But there are steps you can take to avoid travel mistakes. Here are six slip ups that travelers may make this year, plus tips on how to avoid them.

1. Overlooking travel medical insurance

Christopher Elliott , a consumer advocate and founder of the nonprofit Elliott Advocacy , says many people don’t consider purchasing travel medical insurance . “People often think nothing bad will happen before or on their vacation, but then they get injured overseas and need to go to the hospital, and the next thing they’re looking at is a $10,000 hospital bill.” Indeed, nearly one in four Americans report they’ve experienced a medical issue while traveling abroad, according to a 2023 survey sponsored by GeoBlue, an international health insurance company. 

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Unfortunately, most U.S. healthcare plans — including employer group plans, Medicare and Affordable Care Act plans — offer limited or no medical coverage outside the U.S. 

How to avoid: One solution is to purchase a travel medical insurance policy, a type of insurance that provides coverage for a range of medical emergencies while traveling abroad, from minor injuries to major events like heart attacks and strokes, to medical evacuation and emergency transport in the case of severe emergencies. 

The average travel medical insurance plan costs $89, according to Squaremouth , a travel insurance comparison website. Squaremouth advises international travelers to obtain a policy that provides a minimum of $50,000 in emergency medical coverage and at least $100,000 in medical evacuation coverage. 

Note: Some travel insurance policies include emergency medical coverage and medical evacuation coverage up to certain limits.

2. Getting hit with unnecessary luggage fees

You may have heard that a number of airlines — including American Airlines , Delta , and JetBlue Airways — recently raised their prices for checked bags. But one thing a lot of travelers aren’t aware of, Elliott says, is that some are now charging customers more if they check a bag at the airport versus paying to check a bag in advance. For instance, JetBlue customers flying within the U.S., Latin America, the Caribbean and Canada can save up to $20 on their first two checked bags ($10 savings per bag) when they add them to their flight reservation at least 24 hours before departure.

How to avoid: Make sure to pay ahead of time for any bags that you plan to check.

3. Incurring hidden hotel fees

Wi-Fi fees, early check-in fees, gym fees—hotels today charge guests no shortage of extra fees and surcharges . It’s a widespread problem: In an April 2023 survey by Consumer Reports , nearly four out of 10 (37%) U.S. adults said they had experienced a hidden or unexpected hotel fee in the previous two years.

How to avoid: Many hotels offer to reduce or, in some cases, waive certain fees to guests who join their loyalty program, which is free in most cases. Also, sometimes simply asking an employee at check-in to waive certain fees could do the trick.

4. Not utilizing a key search feature on Airbnb

Like hotels, Airbnb rental property owners often tack on extra fees, such as cleaning fees, fees for additional guests beyond a certain number, and service fees. These additional costs can add hundreds of dollars to your bill.

How to avoid: Elliott praised Airbnb for introducing a feature in December 2022 that allows guests to view a stay’s total costs, before taxes, when searching for rental properties. But he says there’s a caveat: “If you’re in the U.S., you need to change a setting in order to see the full rate when you search for rentals.”

To enable the feature, click the slider on the upper right of the search page that says, “Display total before taxes.”

5. Paying full price for a rental car

First, the good news: “The rental vehicle shortage has improved,” Elliott says. That’s resulted in a stabilization of rates, with rental car prices recently averaging $42 a day, up only 3% from last year, according to a report from the travel search company Hopper. The bad news? Renting a car is still more expensive than it was before the pandemic, especially for travelers who pay full freight.

How to avoid: There are several ways you can avoid paying full price. Big-box stores such as Costco , BJ’s and Sam’s Club provide their members discounts on certain rental cars. AARP and AAA also offer their members discounted rates. ( AARP members save up to 30% on base rates at Avis and Budget Rent A Car; AAA members save up to 20% on Hertz rentals). In addition, a number of credit card companies offer certain cardholders rental car discounts when they book a vehicle from specific rental car companies.

You may also be able to nab a lower rate by prepaying when you book a reservation. And, some rental car companies offer limited-mileage plans at a lower cost, which could be a good option if you’re planning to take just a short trip.

Tip: See if your credit card offers rental car insurance before you pay for insurance from a rental car company.

6. Encountering sky-high hotel rates because of Taylor Swift’s European tour

When Taylor Swift performs a concert, sometimes tens of thousands of out-of-town fans descend on the city, causing hotel prices to spike. Consider: the median rate for a standard hotel room during an Eras Tour date in Europe this year is projected to jump by 44%, with average hotel room prices in Warsaw surging a staggering 154% during her tour date there, according to a recent study by Lighthouse , a travel and hospitality research company.

How to avoid: The simplest approach for Europe-bound travelers in 2024, Elliott says, is to avoid traveling to a destination during a Taylor Swift tour date in that city. “When Taylor Swift comes to town all of the hotels sell out, and it becomes very difficult to find a reasonably priced hotel,” he says.

Related Content

• 24 Best Travel Websites to Find Deals and Save You Money
• Five Ways to a Cheap Last-Minute Vacation
• Best Travel Rewards Cards May 2024

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Daniel Bortz is a freelance writer based in Arlington, Va. His work has been published by The New York Times, The Washington Post, Consumer Reports, Newsweek, and Money magazine, among others.  

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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• Motor Comprehensive plans that provide you with a sense of comfort and safety on the road
• Medical Medical services that will be with you for the rest of your life with a wide medical network
• Home A homeowner or a tenant, safeguard your home and belongings against various types of danger
• Life Three life-long programs divided into two categories: saving and protection
• Travel Peace of mind is one of the most significant reasons to purchase travel insurance
• Employee Benefits Improve your employee benefits with attractive medical and life insurance plans
• Fleet Insurance The best and most efficient option for companies that own a large number of vehicles
• General Insurance Insurance plans that cover organizations against any unexpected incidents that may cause severe losses
• Marine Insurance Cover your shipments against material loss or damage transported by sea, air, or land

Life Insurance

If you are one of those who plan for the future, you should also be one of those who think about life insurance plans and programs that provide you and your loved ones with financial protection in the event that something happens to you, God forbid, and help you save and invest so that you and your loved ones can enjoy peace of mind.

Life insurance plans and programs enable you to enjoy all the moments of your life while providing future financial care for you and your loved ones, whether when your children embark on their higher education journey, or when you retire so that all of you can maintain your usual lifestyle.

Why Delta Life Insurance?

Delta life insurance.

Delta Insurance is distinguished by the diversity of its life insurance programs that accompany you throughout your life. Delta offers standard life insurance protection plans that secure your family, but has also developed programs that help you bear the costs of living after retirement, and the costs of your children's university education.

Therefore, Delta Insurance has developed three specialized programs that fall into two categories: savings  and protection. You can purchase these programs in one annual installment or several installments throughout the year, depending on what suits your needs. Most importantly, all savings programs offer customers three main benefits: savings, earnings, and protection.

A recent Forbes study confirmed that a large percentage of people are very worried that their loved ones will not be able to cover even the normal monthly expenses if they are no longer present in their lives.

What makes Delta Life Insurance products unique?

• Competitive prices
• Dedicated customer service and account managers
• Quick execution and completion of processes
• A team with specialized certifications
• Flexibility in dealing with consumers
• Quick digital operations
• Quick payments settlement

Is life insurance expensive?

You are the one who makes that decision! Delta creates your life insurance plan depending on the amount of money and coverage you require, as well as the duration you desire. The younger and healthier you are, the less expensive your insurance will be.

Delta Baraem

Education is our priority.

Delta Nomow

Save for the future.

Term Life Insurance

Delta Insurance has developed a university education program that aims to reduce the financial burden on parents of educating their children based on the agreed university tuition, following an extensive study of the increasing costs of education year after year, and the efforts of all parents to secure a better education for their children.

The Delta Baraem education program has been specifically designed for you, with numerous additional insurance benefits, to assist and support you in preparing for one of the most significant events in your children's lives.

Features of Delta Baraem

• An investment savings program for children's university education at a specific age and based on the period specified by you
• Simple and regular installments in a flexible manner that contribute to your commitment to regular and long-term savings, paid monthly, or quarterly, or semi-annually, or annually
• Minimum guaranteed return of 3.5% on the dinar
• The flexibility of getting your plan in United States Dollars with a minimum guaranteed return of 2%
• The flexibility of obtaining university tuition fees as a single payment or 7 equal yearly installments
• In the event of the policyholder's death or permanent total disability, Delta Insurance takes care of the child's school education for the remaining years and university education in due course
• The possibility of getting an additional benefit doubling the amount of university tuition, paid to the beneficiaries once upon death of the policyholder, and once upon policy maturity, in addition to the annual schooling fees for the remaining years of school education
• The possibility of modifying the contract terms and conditions upon anniversary

In exchange for a small additional premium, you can secure your family and loved ones with an additional amount, equal to the university tuition fees agreed on that is paid in full, in case of death to cover the initial living costs, in addition to the schooling and university tuitions agreed on in the insurance contract.

Delta Insurance has designed a retirement savings and investment program to provide you with a financial cushion you can rely on as an additional source of income after your retirement that assists you in fulfilling your retirement plans.

You can get a pleasant retirement with Delta Nomow, which allows you and your family to continue living your lifestyle, and in installments that suit you and your way of living.

Features of Delta Nomow

• An investment savings program that lets you save for your retirement, paid on your preferred retirement age, either as annuities or a single payment
• Flexibility in tailoring the coverage that suits you and setting the appropriate premium for your retirement plan
• Delta Insurance will pay the agreed life insurance amount and waiver the premium in the event of the policyholder's death or permanent total disability, in addition to the cash available in the investment wallet at that point in time
• The ability to top up your wallet  by depositing additional amounts at any time

The single premium program affiliated with Delta Nomow enables you to pay the investment amount in one installment and get it paid back after a specific period of time based on your preference.

A simple life insurance program!

Losing a family member is difficult on all levels. The family faces the emotional burdens of loss, but it also becomes considerably more difficult to meet everyday expenses. Delta Aman ensures that your family get the financial security they need.

Losing a family member is difficult on all levels. The family faces the emotional burdens of loss, but it also becomes considerably more difficult to meet everyday expenses.

A life insurance plan allows you to worry less and is the first step in helping you plan for the financial security of your family and loved ones.

Delta Aman is an insurance contract between you and Delta Insurance in which you agree to pay a premium for a specific period in exchange for us agreeing to pay a predetermined sum to the beneficiaries in the case of death within the insurance period.

You can choose the exact period that will be covered to suit important events, such as paying off a personal loan or a mortgage.

You can also choose the benefit of added protection in the event of complete disability, critical illness, or death.

Features of Delta Aman

• Competitive rates with simple installments
• Flexible plans with client-defined standards
• Coverage can be extended to include disability and critical illness

Payments for this insurance plan are made over a certain time period ranging from 5 to 20 years, based on an agreement between you and Delta Insurance.

Get your plan today!

Are there insurance programs that i can benefit from upon retirement.

Delta Insurance has created six specialized savings schemes that offer three major benefits: savings, earnings, and life insurance (protection).

How can I ensure that the beneficiaries will get private life insurance if anything unfortunate happens?

A life insurance policy is a legally binding agreement between an insurance company and a consumer.

Is a life insurance policy expensive?

It is primarily up to you based on the amount you choose, the coverage you want, and the time you require.

Is there a program where I may get help paying for my children's education?

"Delta Baraem" is the program developed by Delta specifically to support you in reducing the financial burdens resulting from the education of your children in the future, whether it is school or university costs.

Other products you might be interested in

Travel Insurance

Peace of mind is one of the most significant reasons to purchase travel insurance.

Medical Insurance

Medical services that will be with you for the rest of your life with a wide medical network.

Motor Insurance

Comprehensive plans that provide you with a sense of comfort and safety on the road.

Understanding What Travel Insurance Covers

Find a Qualified Financial Advisor

Finding a qualified financial advisor doesn't have to be hard. Datalign's free tool matches you with financial advisors in your area in as little as 3 minutes. All firms have been vetted by Datalign and all advisors are registered with the SEC. Get started with achieving your financial goals!

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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

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The Best Long-Term Travel Insurance of 2024

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Key Takeaways:

• Based on research conducted by the MarketWatch Guides team, the best long-term travel insurance providers are Travelex, Allianz, Faye, IMG and World Nomads.
• According to our research, travel insurance companies define long-term trips as those lasting longer than 30 days, with many long-term policies providing coverage anywhere from 90 days to one year.
• Long-term policies can provide similar coverage to a traditional travel insurance plan, such as trip interruption, baggage and medical protection.

Our Rankings of the Best Long-Term Travel Insurance Providers

Our research team found the providers and plans below are the best long-term travel insurance options on the market. We considered coverage, cost, add-on protection and policy length when making our decisions. 

• Travelex: Travel Select
• Allianz : OneTrip Premier
• Faye : Travel Protection Plan
• International Medical Group (IMG) : GlobeHopper Senior
• World Nomads : Explorer Plan

How We Chose Long-term Travel Insurance Plans

When selecting the long-term travel insurance plans featured in this review, we considered various factors, including:

• Coverage : We examined the types of plans available for purchase and the coverage limits each travel insurance provider offered.
• Cost : While long-term travel insurance plans may cost more than a plan for a week-long trip, that doesn’t mean purchasing coverage needs to break the bank.
• Add-on protections : We took note of providers and policies that offered a variety of coverage add-ons, such as rental car collision, cancel for any reason (CFAR) and more.
• Maximum policy length : We looked for travel insurance with policies that could last a minimum of 180 days, favoring companies that offered coverage for up to a year.

Compare Long-Term Travel Insurance For U.S. Citizens

See the table below for a comparison of our recommended travel insurance providers and long-term coverage plans. 

Note: We calculated the below-average costs based on a 30-year-old couple taking a long-term trip to France with $8,000 in non-refundable expenses . Since IMG’s GlobeHopper Senior plan only applies to travelers aged 65 and older, we used a sample 65-year-old couple taking the same trip to France.

Best Long-Term Travel Insurance Plans

Based on our team’s extensive research into cost, coverage, policy lengths and add-on protections, we’ve chosen the following five plans as our picks for the best long-term travel insurance coverage.

Pros and Cons

Why we picked travelex.

Travelex’s Travel Select plan can cover trips for up to one year, making it ideal for long-term travelers looking for comprehensive coverage. This policy offers pricing that includes children and the choice of five different add-ons, including CFAR coverage, car rental collision coverage, an adventure sports exclusion waiver and more. In addition, early purchase benefits include financial default coverage and a pre-existing condition waiver.

Our research has shown that many long-term or annual, multi-trip plans don’t offer benefits such as CFAR coverage or trip cancellation benefits, making Travelex’s Travel Select stand out compared to other long-term plans. However, note that other providers in our review offer higher medical limits with their annual plans over the Travel Select plan.

Allianz Global Assistance

Why We Picked Allianz

Allianz’s OneTrip Premier plan provides a full year of consecutive travel coverage for both you and your children, a potential benefit for travelers with kids planning a long-term stay abroad. The company extends its benefits to each insured traveler, including trip cancellation, trip interruption , emergency medical coverage and more. In addition, pre-existing condition coverage is available if you purchase your travel insurance plan within 14 days of your first trip payment or deposit.

Allianz also offers what it calls SmartBenefits, which allows you to opt for a fixed “inconvenience” payment of $100 per insured person per day for a covered delay or baggage delay. You won’t need to provide receipts for this coverage, based on our research, just proof of a covered delay. While you may consider Allianz if you’re looking for comprehensive, long-term travel insurance, note that the average cost for the OneTrip Premier plan is higher than those of other providers we reviewed.

Why We Picked Faye

Based on our research, Faye offers a mix of travel and medical benefits that can make its Travel Protection Plan worth considering for a long-term trip. We like how Faye offers policyholders around-the-clock support, including an app to handle travel emergencies and claims. The company also offers telemedicine services at no extra cost. If your telehealth doctor prescribes medicine while you’re on a trip, Faye will reimburse you for the expense.

Faye covers pre-existing conditions with the Travel Protection Plan as long as you purchase a policy within 14 days of your trip. Available add-ons include an adventure and extreme sports waiver, vacation rental damage protection and vet expenses coverage if you take your pet with you on a long-term trip. However, Faye doesn’t offer the longest-lasting plan in our review, with just 180 days of coverage compared to other providers offering around a year.

Why We Picked IMG

Seniors looking for comprehensive travel medical coverage for long-term travel plans may consider International Medical Group (IMG) and its GlobeHopper Senior policy. This plan has no upper age restriction — which, according to our research, is unique in the travel insurance industry. Travelers ages 65 and up can purchase this policy, which can cover up to a year for a single trip. If you’re looking for a long-term, multi-trip senior travel insurance policy, this plan also offers the option of multiple trips per year, up to 45 days each.

We appreciate how IMG allows seniors to choose from various deductibles and maximum coverage limits, making this travel insurance policy more flexible than other companies we’ve researched. While there is no upper age limit, note that coverage limits decline for insured persons 80 years or older.

World Nomads

Why We Picked World Nomads

World Nomads offers the most extensive travel insurance coverage for adventure and extreme sports out of the providers in this review. Its Explorer plan covers medical expenses and evacuations for injuries related to over 200 activities that are often excluded by many policies, such as bungee jumping, scuba diving and more. We also like how you can purchase a policy even if your trip has already started, making it worth considering for last-minute coverage.

While World Nomads’ Explorer Plan could benefit long-term travelers who seek adventure, note that this provider doesn’t extend its coverage to children traveling with you. In addition, the only customization options include choosing between two plans and your length of coverage. If you’re looking for customizable long-term travel insurance or coverage that can protect your family, you may want to consider other options in this review.

How To Pick A Long-Term Travel Insurance Company

As you shop for a long-term travel insurance plan, consider the tips below to help simplify the process of finding the right policy.

Consider Your Coverage Needs

Understanding your travel needs can aid you in picking the best plan. For example, are travel benefits such as trip interruption and baggage coverage most important to you? Or, are emergency medical evacuation and medical care benefits your main concern? Once you’ve decided the types of coverage you want, you can start thinking about how much coverage you’ll need. If you plan on traveling long-term with children, you may also want to look for plans that offer free coverage for kids under a certain age.

Watch for Length Restrictions

Some travel insurance plans will provide more extended coverage than others. If you plan on traveling abroad for a few months, a plan that covers you for up to 180 days may work. If you anticipate staying abroad for up to a year, we suggest looking for plans that can cover you for that amount of time. In our experience, travel insurance providers will plainly state how long a covered trip can last, so it’s best practice to read through sample contracts before purchasing a plan.

Single Versus Multi-Destination Trips

Consider whether your long-term travel plans will include one or multiple destinations. Based on our research, some long-term plans will only cover a stay in one location. If you’re looking for coverage in numerous countries, a multi-destina t ion travel insurance plan may offer a better fit. However, according to our research, you may need to return to a home base between trips.

Understand Coverage Details and Exclusions

All travel insurance plans have a set list of exclusions for the coverage offered. Make sure you fully understand what is and isn’t covered by your chosen policy. For example, if your plan covers lost baggage, note any sub-limits or items excluded from your plan. It is also important to understand the maximum benefit amounts for each of the coverages you’ve purchased and whether any deductibles or copays are required before your policy kicks in.

What Is Long-Term Travel Insurance and How Does It Work?

Long-term travel insurance covers trips lasting longer than the time limits most travel providers set for a standard policy. For example, most insurers offer single-trip plans that cover trips lasting up to 30 days. However, a long-term policy often covers travels lasting more than 90 days, with some providing coverage for up to a year. If you choose an annual travel insurance plan for your long-term travel needs, note these policies don’t usually offer trip cancellation coverage as a standard inclusion.

A long-term policy can provide similar coverage to a traditional travel insurance plan. It can protect against trip interruptions , delays, baggage loss or damage, and more. In addition, it can cover emergency medical situations and evacuations while traveling. Long-term plans can help prevent travelers staying abroad for extended periods of time from having to purchase multiple policies to cover the duration of their trip. These plans can also cover multiple destinations , which may suit long-term travelers going from place to place.

According to our research, long-term travel insurance policies may best suit digital nomads, expats and international students. For those more concerned about their health in the event of an illness or accident over travel benefits, you may consider a long-term travel medical insurance plan for your trip. It’s best practice to consider your unique travel needs before settling on a plan, and taking the time to research long-term travel insurance can ensure you find a policy that suits your plans. 

Long-Term Travel Insurance Costs

Based on the quotes we gathered, a long-term travel insurance policy may cost $540 to $1,576 . To help you better understand the cost of a long-term travel insurance policy, we gathered quotes for a 30-year-old couple taking a long-term trip to France with $8,000 in non-refundable expenses. Since the GlobeHopper Senior covers senior travelers, our team gathered rates for a 65-year-old couple taking the same trip outlined above to France.

Comparatively, the average cost of a standard travel insurance policy for a short-term trip is around $221. We calculated this average based on quotes we gathered using seven unique traveler profiles across 20 different travel insurance companies. 

Travel insurance costs are influenced by several variables, such as plan details, trip costs, trip length, traveler age and more. Your exact costs for each of these policies will likely vary. The best way to learn how much one of the above plans could cost you is to get a quote from each company.

How Is Long-Term Travel Insurance Different From Regular Travel Insurance?

Long-term travel insurance differs from a standard travel insurance policy in that coverage is meant for trips lasting more than a few weeks. Typically, most standard single-trip plans can last up to 30 days. However, a long-term policy could cover anywhere from 90 days to a full year, depending on the provider.

While maximum trip lengths differ between policies for long-term and short-term travel, our research found the coverage offered remains largely the same. For example, both short- and long-term travel insurance policies usually offer trip benefits — such as trip interruption and baggage coverage — in addition to emergency medical assistance and evacuation coverage. However, some long-term or annual travel insurance plans may not offer certain add-ons, such as CFAR coverage or trip cancellation protection.

Frequently Asked Questions About Travel Insurance for Long-Term Trips

What is the longest you can get travel insurance for.

The length of a travel insurance policy depends on your chosen provider and plan. In this review, the longest-lasting policy can cover you for up to one year. However, other providers may offer plans that cover you for more extended periods.

Can you buy travel insurance for a whole year?

Yes. Various providers offer travel insurance plans that can last up to a year. However, our research found that some annual plans may only cover travel to one destination over this time. If you’re looking for coverage to multiple destinations, you may want to consider a multi-trip travel insurance plan.

Can you buy travel insurance for a six-month trip?

Travel insurance companies such as Faye and World Nomads offer policies lasting up to six months, according to our research. Most providers will note upfront how long each policy can last, so we recommend reading sample contracts and policy documents to ensure a plan will cover you for your entire trip.

How long does travel medical insurance coverage last?

The length of a travel medical insurance policy depends on your chosen provider and plan. Reading through coverage details on a provider’s website or sample contracts can help you better understand what a plan covers and related monetary and time limits.

How We Rated and Reviewed Long-Term Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%) : We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%) : We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%) : We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%) : We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

Note: We based our ratings for each provider on each company as a whole, not just available long-term travel insurance offerings. Learn more about how we chose each long-term travel insurance plan in the sections above .

If you have questions about this page, please reach out to our editors at [email protected] .

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA 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.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA 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 the 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 AXA's 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  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

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

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

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

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance'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
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

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

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Trip Mate, the foremost provider of travel protection plans and travel insurance, help assure your investment, yourself, and your family are protected from the unexpected.

PLAN OPTIONS AT A GLANCE

We offer two travel protection options for you to choose from:

• Travel Protection Plan — offering basic coverage
• Travel Protection Plan PLUS  — a more extensive option — including all of the benefits with the Travel Protection Plan — PLUS a lowest-price guarantee and more convenient method of payment on your refund

Travel Protection Plan

With the Travel Protection Plan, you're provided with pre- and post-departure coverage.

Lowest price guarantee

Cancel for any reason

Refund of cancellation fees

Documentation required

Purchase period

For Complete Details go to: 

Travel Protection Plan PLUS

Received in the original form of payment 1

May be purchased any time prior to final payment 1

www.tripmate.com/wpF409N  , opens in a new window

Received in the form of a Delta Vacations voucher 2

May be purchased any time prior to final payment 2

www.tripmate.com/wpF409B , opens in a new window

1 The Cash Back refund option, coverage of pre-existing conditions and Price Protection only applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip (and for pre-existing conditions, must not be disabled from travel at the time the plan is purchased). 2 The Cancel For Any Reason Waiver and coverage of pre-existing conditions applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip, and must not be disabled from travel at the time the plan is purchased.

Cancel For Any Reason Waiver (provided by Delta Vacations)

• The standard coverage of the Travel Protection Plan protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason, and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel For Any Reason Waiver is provided by Delta Vacations, and is not an insurance benefit underwritten by United States Fire Insurance Company.

In addition to Pre-Departure Trip Cancellation, the plan includes other benefits to help protect you from the unexpected during your vacation, such as:

• Medical and emergency assistance — includes benefits up to $25,000 for medical expenses, emergency medical transportation and 24-hour emergency assistance service for illness or injury during the trip.
• Post-departure trip interruption — covers you up to the original cost of your trip, when you must interrupt your trip or return home early for covered reasons, such as sickness, injury or other covered reasons.
• Travel delay — pays up to $100 per day for meals and accommodations when you are delayed on your trip for 12 hours or more.
• Baggage delay — reimburses you up to $250 for clothing and personal items if your luggage is delayed more than 24 hours.
• Loss or damage to baggage or personal effects — covers up to $2,500 for loss or damage to baggage or personal effects that occur during the trip.

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment, should you need to cancel your vacation for any reason (less the cost of the protection plan)
• Receive the lowest price guarantee

Lowest Price Guarantee (Provided by Delta Vacations)

If Delta Vacations advertises an identical vacation at a lower price, Delta Vacations will guarantee that price. The advertised vacation must be available and include the same air components (including air fare class), hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS. Refunds for the difference in the package price will be issued in the original form of payment.

Below, you'll find information on how to request the lowest price guarantee along with lowest price guarantee terms and conditions.

To request the Lowest Price Guarantee 10 days or more before departure:

• Create a new reservation with lower price and place on hold.
• Note: Some reservations may require confirmation with a credit card.
• Contact Delta Vacations at 1-800-800-1504, 6:00 am - 11:00 pm CST.
• If the new reservation qualifies, the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

To request the Lowest Price Guarantee within 10 days of departure:

• Create a new reservation and confirm with credit card.

Travel Protection PLUS and Lowest Price Guarantee Terms and Conditions

• The Travel Protection Plan PLUS cannot be applied to Miles to Go or upgraded bookings.
• Lowest Price Guarantee is on the total package price, not component to component.
• All components must be available at the time of the new reservation.
• Lowest price guarantee must be on the exact same vacation package including the same dates, air components, hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS.
• Lowest price guarantee is allowed to be used only one time per booking, and may be exercised up to the time of departure.
• Promotional codes applied to the original reservation must be valid at the time of the lowest price guarantee request to maintain promotional code discount. If the promotional code is no longer valid, a new promotional code can be applied, as long as all terms and conditions are met.
• Lowest price guarantee does not apply to group reservations.
• Lowest price guarantee cannot be purchased separately, and is only available through the Travel Protection Plan PLUS program.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these terms and conditions without prior notice.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions           

• Contact Delta Vacations at 1-800-800-1504 or online at deltavacations.com.
• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply. A $20 charge applies to new bookings made over the phone.

INFORMATION YOU NEED TO KNOW:

Benefits on this page are described on a general basis only. There are certain restrictions, exclusions (including a Pre-Existing Conditions Exclusion) and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to:  www.tripmate.com/wpF409B , opens in a new window for the Travel Protection Plan or www.tripmate.com/wpF409N , opens in a new window for the Travel Protection Plan Plus. Plan Payments are made up of Insurance Benefits and Non-Insurance Services.

Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate at 1-833-210-0676.

Insurance Benefits are underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Flr, Eatontown, NJ 07724 under Policy Form Series T210.The Cancellation Fee Waiver is not insurance underwritten by US Fire and is provided by Delta Vacations. Non-Insurance Services are not insurance benefits underwritten by United States Fire Insurance Company. One Call 24-Hour Assistance Services are provided by One Call Worldwide Travel Services Network, Global Xpi Medical Records Services are provided by Trip Mate.

Plan Administrator: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-210-0676.

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Allianz Travel Insurance Review: Is it Worth The Cost?

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 .

Table of Contents

What does Allianz Travel Insurance cover?

Allianz single trip plans, allianz annual/multi-trip plans, which allianz travel insurance plan is best for me, can you buy allianz travel insurance online, what isn't covered by allianz travel insurance, is allianz travel insurance worth it.

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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