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The 10 best online travel agencies in 2024

The top 10 online travel agencies.

• Booking.com
• Lastminute.com

Best online travel agencies for business travel

1. travelperk.

Main offerings and features:

• Industry-leading travel inventory
• Flexible booking with FlexiPerk
• Safety alerts with TravelCare
• Integrated travel policy & approval flows
• Centralized invoicing
• Easy & real-time expense reports
• Carbon offsetting with GreenPerk
• 24/7 fast customer support in target 15s
• VAT reclaim
• Integration with 3rd party tools , such as expense management or HR software like Expensify and BambooHR

Save time and money on your business travel with TravelPerk

2. sap concur.

• Works with some of the biggest brands
• Easy tracking and reporting of expenses for expense reports
• Many connected apps, such as Uber and Airbnb for cars and hotels
• One solution for a variety of business travel spending

Click below to compare both platforms’ features and benefits

• Ample integrations
• Award-winning mobile app
• Employee-centric travel management

Click below for a more detailed comparison between both platforms:

Best online travel agencies for leisure travel, 1. booking.com.

• Intuitive booking tool and website
• Flight + Hotel booking for easily planning trips with no cross-referencing travel websites
• Simple car rental options and taxi hire
• Available in over 40 different languages and offers over half a million properties across 207 countries
• You can book experiences in your destination city to entertain you on your travels
• Genius rewards program

• Simple interface and booking tool
• Deals when making more than one booking
• 38 different languages and offers a 24-hour, multilingual customer support service
• Free cancellation within 24 hours of booking
• Millions of reviews to help make your decision

3. Lastminute.com

• Filter hotels according to budgets, star ratings, guest ratings, board types, and more
• ATOL protection on flight + hotel bundles
• Flash sales for last-minute deals
• Payment plans to spread out the cost of travel
• Extra entertainment booking for your trips, like theatrical productions and day trips
• Gift cards for gifting travel

• Expedia rewards for hotels, cars, and more
• Experienced support
• Compare cruise lines
• Big savings when booking flights, hotels, and car rentals
• Operates in nearly 70 countries and in over 35 different languages
• Luxury travel options

• Book hotels, flights, cars, and bundles
• 24/7 support
• Lower prices on the app
• Great last-minute deals for spontaneous travel

6. Bookmundi

Best online travel agencies for flights

1. skyscanner.

• Super flexible booking filters
• Cheaper flights and hotels than other OTAs
• Price alerts for travel routes of interest
• Easy-to-use booking tool and UI
• Hundreds of location and currency options
• One-way, return, and multi-city travel options

2. Kiwi.com

• Simple flight booking tool
• Partnerships with Booking.com and Rentalcars.com
• Discover deals anywhere with the option to open up your search
• Easy-to-use app

How do online travel agencies work?

What are the advantages of booking through an online travel agency.

• Access to comparison tools
• Peer reviews to help you with your decisions
• Flexible cancellation policies
• All your travel in one place
• Local flights and deals

Rewards programs

Comparison tools, peer reviews, flexible cancellation.

Flexiperk: Cancel anytime, anywhere. Get a minimum of 80% of your money back.

One account for all of your travel needs, a local approach to global travel, wrapping up.

Make business travel simpler. Forever.

• See our platform in action . Trusted by thousands of companies worldwide, TravelPerk makes business travel simpler to manage with more flexibility, full control of spending with easy reporting, and options to offset your carbon footprint.
• Find hundreds of resources on all things business travel, from tips on traveling more sustainably, to advice on setting up a business travel policy, and managing your expenses. Our latest e-books and blog posts have you covered.
• Never miss another update. Stay in touch with us on social for the latest product releases, upcoming events, and articles fresh off the press.

Speak to a travel expert

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• Business Travel Management
• Offset Carbon Footprint
• Flexible travel
• Travelperk Sustainability Policy
• Corporate Travel Resources
• Corporate Travel Glossary
• For Travel Managers
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• For Travelers
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Best Online Travel Agencies

Booking.com is our top choice for making your trip arrangements

Ligaya Malones is an editor, blogger, and freelance writer specializing in food and travel. Ligaya's work has appeared in publications including Lonely Planet and BRIDES.

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

Planning a trip can be easier through an online travel agency than if you handle each aspect of the planning separately. You can book hotels, air travel, rental cars, and more through a single site, and booking everything together sometimes results in discounts. By inputting a destination, a range of dates, and other preferences, you will see a list of options for each aspect of travel.

The best online travel agencies offer options from the largest number of airlines, hotels, car rental agencies, and more. Look for sites that offer discounts for combining reservations for different aspects of your trip. For example, the best sites will have lower rates if you book both plane tickets and a hotel through their services. The best sites also provide reviews from customers who actually have booked through the service. These are our top picks.

• Best Overall: Booking.com
• Best Budget: Skyscanner
• Best Price Predictor: Hopper
• Most Innovative: Kiwi.com
• Best for Eco-Conscious: Kind Traveler
• Best for Social Impact: I Like Local
• Best for Design-Forward Homestays: Plum Guide
• Our Top Picks
• Booking.com

Kind Traveler

I Like Local

• See More (4)

Final Verdict

Frequently asked questions, methodology, best overall : booking.com.

 Booking.com

This industry leader offers one of the most comprehensive trip planning platforms on the Internet.

Lots of options to choose from

Interface is easy to use

Numerous filters to customize your search

Tricky to tell whether changes/cancellations can be made with Booking.com or the vendor directly

Booking.com was founded in 1996 and has grown into an industry leader that stands out for being one of the most comprehensive trip planning platforms out there. From one website, you can compare and book accommodations, flights (including one-way and multi-city flights), sightseeing activities, and even airport taxis. The website lists more than 28 million accommodation options, from hotels, hostels, and B&Bs to vacation homes and luxury resorts—you can browse more choices per destination on Booking.com than other online travel agencies. The website also performs well on cost and typically returns lower-than-average prices for flights and hotels. 

Booking.com's interface is also easy to use. On the home page, search for a hotel by entering your chosen destination and dates. Then, use the extensive list of filters—such as price range and distance from the city center—to narrow the results down and find the best fit. You can also search for a specific hotel, or seek inspiration by clicking through options grouped by destination or property type or by topic such as the country’s best Michelin-starred hotel restaurants or the top cities for vegan travelers. The flights, car rental, and other tabs are just as intuitive. 

Best Budget : Skyscanner

 Skyscanner

You can compare prices across airlines, hotels, and car rentals.

Simple interface

Option to toggle searches between specific dates or by monthly calendars

Search Everywhere button is great for spontaneous planners

Extra clicks are required to make a final purchase

Must read fine print for changes/cancellations—may need to deal directly with the vendor

Ads on the sidebar can be distracting

Find deals on airfare, hotels, and car rentals with an aggregator site like Skyscanner , which uses a metasearch engine to compare prices from all online travel agencies and the airline, hotel, or car rental company in question. Run searches with fixed dates, opt to compare airfare prices month to month, or click “Cheapest Month.” Searches also include options for nearby airports or non-stop flights only. With hotel searches, you can choose to select only from properties with free cancellation, a cleanliness rating of 4.5/5 or higher, or 3- or 4-starred hotels only. Car rental searches include an option to select “return car to different location.”

Once you’ve found the best rate, click on the link to be redirected to the third-party site to make your booking. Feeling spontaneous? The Search Everywhere button on the homepage offers a list of the cheapest flight deals for destinations both locally and across the world—just plug in your departure airport first.

Best Price Predictor : Hopper

The company claims a 95 percent accuracy rate at predicting when flights and hotel rates will be cheapest.

Color-coded system makes it easy to determine cheapest days to buy

App is easy to use

Option to track flights and receive alerts when the best time to buy arises

Some have mentioned the app functions better as a research tool than a booking tool

Unclear whether Hopper will price match if you find a cheaper flight elsewhere

Hopper is a travel app available on iOS and Android that aims to help travelers save on airfare by usng historical data and their own algorithm to predict when flights will be cheapest. Just type in where and when you’d like to fly and Hopper will present you with a color-coded pricing calendar indicating how much tickets are likely to cost. (Green is the least expensive, then yellow, orange, and red for most expensive.) Hopper will also recommend you either buy now or wait, or you can choose to watch a trip and receive notifications on the best time to buy. In addition, the app has expanded to offer hotel and car rental price predictions, too.

Some newer features since the app’s inception in 2009 include an option to freeze a price for a limited time—for an extra fee—as well as exclusive app-only discounts. Hopper is free to download, and you can choose to book directly through the app, though some users mentioned they use Hopper as more of a research tool before booking directly with the airline or hotel. The company claims a 95 percent accuracy rate at predicting flight rates up to a year ahead.

Most Innovative : Kiwi.com

This metasearch engine scours the web to piece together the ideal itinerary using planes, trains, buses, and more.

Creative itineraries get you where you need to go, especially if you’ve got a multi-stop trip

Kiwi Guarantee offers rebooking or cancellation protections

Nomad option appeals to travelers with a lot of flexibility

Creative itineraries mean you may not fly out of the same airport you flew into

Kiwi Guarantee has an additional fee

Charges all-in-one fee for booking flights, trains, buses (though you can always purchase a la carte)

Travelers planning multi-city destinations and seeking a bargain, as well as those looking to take planes, trains, and automobiles to get there, might consider Kiwi . Kiwi is a metasearch engine that scours and pieces together itineraries from various airlines (even if they don’t have a codeshare agreement), considers multiple airports (even if your arrival airport is different from departure), and offers booking options, whether you’re looking at very specific dates or more general ones (up to 60 nights).

Some will find the ability to make multiple bookings for a particular trip more convenient than going at it manually several different times, though note that you must opt into the Kiwi Guarantee program to access rebooking and refund protections should your reservation change or be canceled. Kiwi’s Nomad option allows you to plug in a bunch of destinations you’d like to visit and the length of your intended stay, and the website will churn out the most affordable itineraries for review.

Best for Eco-Conscious : Kind Traveler

A give-and-get business model means booking accommodations with exclusive perks, a donation to environmental organizations, and more.

All participating hotels include a local give-back component

Exclusive savings and perks

Participating hotels are located in some of the most beautiful places in the world

Inventory is much smaller compared to other booking platforms

Some of the amenities mentioned are based on availability only

In 2022, Kind Traveler (an online trave agency focused on hotel bookings) announced an increase in environmentally and socially conscious hotels, charity donations, voluntourism opportunities, and additional perks like waived resort fees or a welcome amenity.

Unlock exclusive hotel rates and perks from participating Kind Traveler hotels with a minimum $10/night minimum donation to a local charity. For example, stay at the Six Senses Laamu in the Maldives and receive up to $33 off the nightly rate and perks such as a food and beverage credit and an Earth Lab or Alchemy Bar workshop when you make a donation to Manta Trust. The organization funds coastal research to protect the island nation’s large yet fragile population of reef mantas.

Select from more than 140 participating hotels from the Hawaiian Islands to Bozeman, Montana, and the Maldives. Charities include wildlife, human rights, arts, education, and environmental preservation organizations.

Best for Social Impact : I Like Local

Choose from a host of travel experiences with the peace of mind that 100 percent of the cost goes directly to local partners.

Social impact mission woven into organization’s business model

Immersive experiences led by local guides

Range of experiences offered

May not be best fit for those seeking upscale, luxury experiences and stays

Can’t sort experiences by a list of countries (though an interactive map is available)

No experiences outside of Africa and Asia

For an online travel agency with a booking platform designed to route dollars spent directly to the communities travelers intend to visit, consider I Like Local . Visit the website to browse a host of travel experiences in countries including Indonesia, Kenya, and Cambodia. Experiences include homestays and farmstays as well as wellness and culturally oriented experiences—from cooking and cycling tours to weaving classes.

To search for an experience, select from drop-down items like travel dates and experience categories, or view a global map and click on a country to view experiences that way.

The platform got its start in 2014 and has grown to 4,000 local hosts across nearly 20 countries. As a social impact organization, 100 percent of each booking fee goes to local hosts. To date, 16,000 travelers have booked with I Like Local.

Best for Design-Forward Homestays : Plum Guide

Browse and book seriously vetted, design-forward vacation homes.

Highly curated inventory of vacation rentals across the world

Design-forward

Thorough vetting process

Does not publish guest reviews

Other platforms have homes available across more destinations

When it comes to booking a vacation home, serviced apartment, or condo, travelers are spoiled for choice. Plum Guide is an online travel agency that specializes in accommodations—though not just any home makes its directory. The company claims that each potential home listed on its site must jump through 150 hoops to be included, from internet speed and mattress and pillow quality to the showers’ water pressure and the home’s proximity to dining, shopping, and attractions.

Search by a featured collection on the website such as “ pet-friendly homes ” or “one-of-a-kind homes in Palm Springs.” Scroll to the bottom of its homepage to view its top destinations, as well as a list of all destinations where Plum Guide homes are available, including Barbados, Mexico, Portugal, Switzerland, the U.S., and Turkey. Note: From the top right-hand corner of the site, use the dropdown menu to select currency of choice.

As long as you know what you value most out of your travel experience—such as affordability, social impact, or luxe accommodations—there’s an online travel agency to help plan your next trip. Be sure to read the fine print, as some agencies are third-party websites and not direct vendors. If you're not sure where to start, Booking.com is your best bet for a smooth user experience and hard-to-beat offers on flights, hotels, and other travel arrangements.

What Is the Biggest Travel Agency?

Our choice for best overall, Booking.com, is known as an industry leader with listings for all major hotels, airlines, car rental companies, and more. It boasts more choices for accommodations per destination than any other site, and we found its interface to be user-friendly.

Are Online Travel Agencies Worth It?

This depends on your needs and priorities. The best online travel agencies certainly can save time by booking everything all at once. However, if you're someone who is good at haggling and enjoys the details of planning a trip, you might be able to find better deals by reaching out to hotels or other destinations and speaking to someone personally.

Is It Cheaper to Book Online Than With a Travel Agent?

Not always. A travel agent you know and trust should have the experience and connections to find deals that can match or surpass what you'll find online. Additionally, if something goes wrong, travel agents provide you with an actual person you can use as an advocate to correct the problem . But if you don't have access to a good travel agent, online sites still provide plenty of ways to streamline planning and save money .

We considered dozens of online travel agencies and narrowed down the options based on user experience, volume and quality of inventory, unique offerings and specials, and customer reviews. We also assessed travel companies’ environmentally and socially conscious policies.

Catherine Falls Commercial / Getty Images

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Are Online Travel Agencies Safe To Use? 👨🏻‍💻 17 Best Online Travel Agencies For Seamless Journeys: Travel Like A Pro ✈️

Are Online Travel Agencies Safe To Use? Online travel agencies are generally safe to use, but it’s essential to choose reputable and well-established platforms with positive customer reviews.

The rise of online travel agencies (OTAs) has made travel planning and booking extremely easy in today’s world.

By providing passengers from all over the world with a variety of services, offers, and packages, these platforms have changed the travel business.

Online travel agents can help you with your search for flights, hotels, holiday packages, or tours.

🤔 What are online travel agencies?

4. travelocity, 5. skyscanner, 6. lastminute.com, 8. trip.com, 10. booking.com, 11. expedia, 12. tripadvisor, 14. priceline, 15. cheapoair.

• 🧐 Things To Consider While Making Reservation Through OTA's

⭐ Advantages & Disadvantages of Online Travel Agencies

Q. is it cheaper to book online or through a travel agent, q. do online travel agencies offer better deals than airlines and hotels directly, q. can i trust user-generated reviews on online travel agency platforms, q. do online travel agencies provide customer support, q. are there any hidden fees when booking through online travel agencies.

• Q. Are the Online Travel Agencies Reliable?

Q. Do Online Travel Agencies offer personalized itineraries?

Q. are online travel agencies more expensive than booking directly, q. can i book international trips through online travel agencies, 😇 conclusion, 🗨️ tell us in the comments as per you which one is the best online travel agencies.

Online Travel Agency (OTA) is the name for a website that sells travel services. It lets customers book flights, hotels, and other trips all from one place. They are like a travel agent in the digital world.

📃 List of 17 Best Online Travel Agencies at Your Fingertips

After a lot of research and considering travelers’ reviews we have shortlisted some of the best online travel companies that are operational nowadays.

• Travelocity
• Lastminute.com
• Booking.com
• TripAdvisor

A US-based internet travel company called VRBO focuses on vacation rentals. Landlords and managers can directly register their houses on VRBO, similar to Airbnb.

When booking through Vrbo, visitors may also get travel insurance. In addition to being a part of one of the largest travel companies in the world, VRBO has a reputation for being a trustworthy lodging option.

A website called Parkos.com makes airport parking stress-free. Thanks to the company’s new online platform, potential consumers can now compare various airport parking and facilities, make a reservation, and pay for it in advance of their trip day.

Both locals and visitors have provided overwhelmingly good feedback since Parkos entered the parking sector in 2014.

All technologically aided services revolve around giving automobile owners confidence that their vehicles are safe when they are away from them.

The majority of people may gain more from this comparison, but those who drive pricey high-end cars may find it interesting.

Also Read: 10 Best Places For New Year Celebration

Hotel reservations are the focus of Agoda , a multinational online travel firm located in Singapore.

Along with many other comparable OTAs on this list, it is owned by Booking Holdings, the parent company of Booking.com.

The Agoda network, which offers more than a million hotels and vacation rentals, is primarily focused on the Asian economy but has now grown into Europe and the United States.

The company’s marketing strategy is centered on giving customers affordable or reduced housing.

In 1996, Travelocity was established as an online travel agency with several services for customers. It is owned and operated by the international travel service provider The Expedia Group.

You can check for airfare and hotel bundles, choices for a rental vehicle, cruises, and more using Travelocity’s website.

Additionally, you can read travel-related articles, order tickets for well-liked attractions, and communicate your journey arrangements with loved ones.

A well-known company with a big customer base is Travelocity. They provide a huge selection of vacation packages, many of which are aimed at families.

Skyscanner is a metasearch aggregator that gathers prices for flights, hotels, and rental cars from all online travel agents (OTAs) in one location. Booking flights and hotels with Skyscanner typically results in the most affordable options.

After making your choice, you will be sent to a third-party booking form on the Skyscanner website where you can complete the transaction and reserve your flight.

Skyscanner is used by millions of people to compare rates and options for their travel arrangements. Simply said, it compiles and presents to customers all of the offers from all online travel agencies (OTAs).

Also Read: 15 Best Countries For Solo Travel 

City hopping is a popular pastime in Europe because of how close together the cities are. Among the top three booking sites is lastminute.com .

In this OTA, flight bookings are made through an aggregator website, and hotel reservations are made through an OTA, both of which we have seen before.

Finding last-minute discounts on hotels, flights, and all-inclusive holiday packages is the specialty of the website lastminute.com.

If you’re brave enough to play the chicken, Last Minute has the best travel deals. For tourists looking for a dealer who isn’t scared to wait until the last minute, there are a couple of better OTAs. We’re certain to have the flight or hotel bargain you’re looking for.

Members of Airbnb are allowed to advertise their available lodging and accept overnight reservations. However, the business has added hotels and homestays to its list of offerings.

However, Air b nb is extremely particular about the standards it must uphold when it comes to hotels that can be offered on its platform.

The majority of hotels must demonstrate their distinctive design, how the neighborhood affects their rooms, and how guests can access communal areas.

The most economical choice may be an Airbnb vacation rental. Additionally, compared to hotels, you are more likely to locate more beds in the same property on Airbnb.

Many Airbnbs provide sofas or futons to accommodate larger groups. For longer visits, many of these hotels provide kitchens and washing machines, enabling visitors to save money by preparing their meals.

The largest OTA in China, Trip.com , a Chinese firm, created Trip.com, an international OTA. Trip.com’s marketing initiatives are primarily aimed at domestic and international travelers to China.

Contrarily, Trip.com has a partnership with Booking.com that enables it to broaden its global reach.

Today, Trip.com has hundreds of millions of users worldwide. The organization wants to give both domestic and foreign travelers the best travel experiences possible.

Wotif also owns LastMinute, a website that offers last-minute discounts on lodging, transportation, and other travel essentials to Australians and New Zealanders.

This local internet travel business mostly caters to travelers from the UK and Europe. On this website, tourists can search for and buy flights, lodging, auto rentals, excursions, and package deals.

Also Read: 11 Best Ways To Become A Travel Enthusiast

The biggest hotel booking website in the world, Booking.com , also lets you book travel and a rental car. It can be used by travelers to learn about different types of lodging, locations, and offers.

However, making reservations for different types of lodging is where its true power lies. For the typical person, it serves as an all-inclusive travel agency.

Hotels and other accommodation facilities are only billed by Booking.com after a reservation is made.

There isn’t a monthly cost that must be paid. An all-inclusive internet travel firm called Bookin.com provides lodging and travel options all around the world.

Online travel agencies (OTAs) are a business model used by many E x pedia Group businesses, notably Expedia, the largest OTA.

The company was founded in 2001 and was based in Bellevue, Washington, in the US.

It is one of the most prosperous travel companies in the world, having localized websites in more than 40 nations.

Expedia has provided access to flights, hotels, and rental cars for more than ten years. They are the largest travel company in the world.

Its marketing plan places a strong emphasis on the value of providing affordable lodging options.

Expedia is an excellent option if you want to pay for your airfare, hotel, and car hire all at once.

One of the most well-known travel platforms, TripAdvisor provides a variety of user-generated information in addition to booking services.

Travelers get access to reviews, images, and ratings posted by other travelers, allowing them to plan their trips with greater knowledge.

The website also offers the ability to compare flights and book excursions and other activities, making it a complete online travel agency (OTA).

A meta-search engine called Kayak searches the internet for the finest travel offers on several platforms.

It provides full results on a single page by comparing costs for airfare, accommodation, rental cars, and other services.

Users of its “Explore” feature can find new places to go and the most cost-effective times to travel.

Budget-conscious travelers choose Kayak because of its simple UI and time-saving features.

The “Name Your Own Price” option on Priceline is known for allowing customers to place bids on hotel rooms and rental vehicles at the prices they like.

Priceline provides regular booking choices like flights, hotels, and rental cars in addition to the bidding system, which may not appeal to everyone.

Travelers who are flexible with their travel plans can take advantage of their Express Deals feature, which offers big reductions on unpublished rates.

Travelers seeking low-cost airline options without sacrificing quality are catered to by CheapOair .

The network appeals to people who are concerned about their spending because it offers exclusive deals and discounts on hotels, flights, and car rentals.

CheapOair makes arranging travel reservations simple with its user-friendly interface and round-the-clock customer service.

Flights, hotels, holiday packages, and activities are just a few of the travel options that Orbitz provides.

Orbitz Rewards, the platform’s loyalty program, enables customers to earn rewards and take advantage of special member advantages.

If customers discover lower rates elsewhere, Orbitz guarantees they will be refunded the difference with its price guarantee promise.

Hotwire is known for providing significantly lower rates for accommodation, travel, and transportation.

Partner hotels can offer lower rates without publicly undercutting their usual pricing because the platform hides the identity of specific hotels until after booking.

For tourists eager to take advantage of this method of surprise booking, Hotwire’s “Hot Rates” provide huge savings.

🧐 Things To Consider While Making Reservation Through OTA’s

When making reservations through an Online Travel Agency (OTA), consider the following:

• Price and Deals: Compare prices and look for exclusive deals and discounts offered by the OTA.
• Cancellation Policies: Understand the OTA’s cancellation and refund policies to avoid any inconvenience in case of changes in your plans.
• User Reviews: Check user reviews and ratings to gauge the reliability and quality of the service.
• Customer Support: Ensure the OTA provides accessible and responsive customer support for assistance during and after booking.
• Hidden Fees: Be wary of hidden fees or additional charges that may not be clearly stated upfront.
• Booking Security: Verify the OTA’s security measures to protect your personal and financial information.
• Travel Insurance: Consider purchasing travel insurance for added protection against unexpected events.
• Flexibility: Choose an OTA that offers flexible booking options to accommodate any last-minute changes.
• Available Services: Confirm that the OTA offers the services you need, such as flights, hotels, car rentals, and activities.
• User-Friendly Interface: Opt for an OTA with an intuitive and easy-to-navigate website or app for a seamless booking experience.

Advantages of Online Travel Agencies

• Convenience: Users can book flights, hotels, and other travel arrangements from the comfort of their homes, saving time and effort.
• Wide Selection: Online travel agencies offer a vast inventory of travel options, providing a variety of choices for different budgets and preferences.
• Price Comparison: Users can compare prices across multiple airlines, hotels, and car rental companies to find the best deals.
• User Reviews: Travelers can read reviews and ratings from other users to make informed decisions about their bookings.
• Exclusive Deals: Many online travel agencies offer exclusive discounts and promotions for their customers.
• 24/7 Access: Online travel agencies are available round the clock, allowing users to make bookings at any time.

Disadvantages of Online Travel Agencies

• Hidden Fees : Some online travel agencies may have hidden fees or additional charges that are not disclosed upfront.
• Lack of Personalized Service: Unlike traditional travel agents, online platforms may lack personalized recommendations and support.
• Technical Issues: Technical glitches or website outages can cause inconvenience and delay in making bookings.
• Limited Flexibility: Some online travel agencies have strict cancellation and refund policies, limiting flexibility for travelers.
• Scams and Fraud: There is a risk of encountering fraudulent websites or services when booking through unknown or unverified platforms.
• Overwhelming Options: The abundance of choices on online travel agency websites can sometimes lead to decision paralysis for users.

🙋🏻‍♀️ FAQs For Online Travel Agencies

There are a lot of questions that come to our mind while making reservations through online travel agencies some of the commonly asked questions are answered below.

A. Booking online often offers better deals and discounts compared to traditional travel agents.

A. Yes, online travel agencies often negotiate special deals and discounts with airlines and hotels, which can result in more cost-effective options for travelers.

A. While most user-generated reviews are genuine and helpful, it’s essential to consider multiple sources and exercise discernment when making decisions based on reviews.

A. Yes, reputable online travel agencies offer customer support via phone, email, or live chat to assist with booking inquiries and travel-related issues.

A. While some online travel agencies may charge service fees or have specific booking terms, reputable platforms are transparent about any additional costs during the booking process.

Q. Are the Online Travel Agencies Reliable ?

A. Absolutely! Online Travel Agencies are reputable and reliable. They work with established partners and have a track record of excellent customer service.

A. Yes, they do! Online Travel Agencies take your preferences and interests into account to craft personalized itineraries tailored to your needs.

A. Not necessarily. Online Travel Agencies often secure exclusive deals and discounts, making them competitive with direct bookings.

A. Yes, you can! Best Online Travel Agencies offer a wide range of international travel options and guide visa requirements.

In conclusion, online travel companies have completely changed how we organize and book our journeys.

These OTAs have evolved into crucial tools for modern travelers thanks to their user-friendly interfaces, vast inventory, and affordable prices.

The top online travel agencies included in this article can assist you in organizing an enjoyable trip, regardless of whether you are an experienced traveler or preparing for your first excursion.

Also, don’t forget to book your personalized holiday package with  Fiery Trippers . Let us make your vacation a romantic as well as a dreamy getaway.

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Rahul Siddharth

He is a dedicated travel writer with a wealth of 10 Years + experience that enriches his narratives. He holds a degree in Hospitality and Hotel Administration from IHM Dehradun, which he couples with hands-on expertise in the field. Drawing from his diverse experiences, Rahul's writings offer readers a captivating glimpse into the world of travel. Embark on a journey of exploration and inspiration with Rahul as your guide. Read More

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The Complete Guide to Booking Travel Online

What is an online travel agency, and what are the best sites and apps to use to search for hotels and flights we break it all down for you..

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There’s a lot to navigate when researching and booking travel online.

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My first travel adventure was to Venezuela. I booked the ticket with a travel agent over a pay phone. The agent searched a dozen flight itineraries over a few days, all so I could save $15.

Times have changed. Today, flight searches start online , often on your mobile device. Passengers book either directly with the airline or hotel or with online travel agencies. Rarely do we get on the phone. In fact, American Airlines and United Airlines charge $25 to make a domestic flight booking by phone. And pay phones hardly exist anymore.

So, what is the best way to book online? Here is our complete guide to online travel agencies, search tools, and the variety of booking options available on both mobile devices and desktops.

What is an OTA?

An online travel agency, or OTA, is a website or mobile app that allows users to search for and book travel services such as flights, hotels, car rentals, cruises, and activities. The booking is made directly with the online travel agency but confirmed by the service provider, such as an airline or a hotel. As a customer, your relationship is with the OTA.

What are the main OTAs?

Many online travel agencies nowadays are owned by two main companies: Expedia and Priceline. The Expedia Group is the largest online travel agency in the United States with 70 percent market share, according to travel data firm Phocuswright. Expedia Group operates Expedia.com , Orbitz, Hotels.com , Trivago, CheapTickets , Hotwire , Vrbo , and Travelocity .

Priceline is a major competitor to Expedia, with global revenues larger than the Expedia Group. The company owns Priceline.com, Booking.com, Cheapflights, Momondo, and Kayak—the latter two being metasearch engines (more on that below).

There are also independent newcomers such as Hopper (a mobile-only booking tool) and Kiwi.com (which allows you to book flights on air carriers that don’t normally have a commercial relationship).

Are OTA fares lower than booking directly?

Generally, no. The fares that are displayed by an OTA will be similar if not slightly more expensive when compared to an airline’s website. They’re usually only a few dollars higher or lower. The OTAs charge a booking fee to the airlines, and often that fee is passed directly to consumers. For example, Lufthansa tacks on an additional $18 to any booking made through an OTA for Lufthansa flights. The same flights are exactly $18 cheaper on the airline’s website.

Where you can score a good travel deal through an OTA is when booking a last-minute hotel and flight package. Many OTAs have cut agreements with airlines allowing last-minute travelers to access lower rates than are typically available when passengers book a flight alone.

Are all airlines available to be booked through OTAs?

No. Many OTAs do not display flights from some of the low-fare leaders. For example, Southwest and Allegiant flights are not available through OTAs; the same goes for Ryanair in Europe. And, earlier this year United Airlines threatened to pull out of Expedia altogether, only recently signing a multi-year agreement to stay in. The airlines would rather not lose any margin to online travel agencies in an already low-margin industry and would rather maintain a direct relationship with the customer.

Are smaller OTAs safe to use?

Expedia and Priceline are the two largest players in the online booking space, but there are dozens of independent OTAs, such as CheapOAir, OneTravel, JustFly, and SmartFares. Confusingly, you might actually stumble on ads for these OTAs while using Expedia or Priceline sites. That’s because the larger OTAs earn revenue through advertising, sending passengers to smaller OTAs and charging those OTAs for the favor.

Buyer beware: some of these lesser-known OTAs are masters at hidden fees. For example, a flight search on JetBlue allows for free seat selection in many instances. If you perform the same search on FlightNetwork, an independent OTA, and select a seat, you will be charged an additional $25—despite the fact that JetBlue doesn’t charge a seat selection fee if you book directly.

What if you need to change your itinerary?

Itinerary changes are often a pain. If your plans change, it won’t matter whether you’ve booked directly with an airline or with an OTA—you’re going to pay fees for the privilege, if you can even change your ticket at all.

For example, CheapTickets.com, which is part of the Expedia Group, charges $25 to change or cancel a ticket if that change is requested after 24 hours of making the booking—it is free if you do so within 24 hours of booking. However, the fees go up from there. JustFly, an independent OTA, charges a $75 fee for changes to domestic flights in addition to airline change fees, plus the difference in fare, for tickets that can be changed. For an international trip, the fee rises to $200. That means to change an international flight with Delta (which charges a $100 change fee) booked through JustFly, you’ll be assessed $300 in fees, plus the difference in fare. At that rate, you may as well book a new flight. FlightNetwork indicates in its terms of service that changes may incur a change fee but doesn’t specify what those fees are. That hardly makes the few dollars you saved by booking with the OTA in the first place worth it.

What is an OTA price match policy?

To assure travelers that they are getting the lowest fare possible, many OTAs have a price match policy. The rules vary and so do the benefits.

For example, if you book with Orbitz and find a less expensive flight, car rental, or activity on any U.S.-based website within 24 hours of your booking, Orbitz will refund you the difference you paid. And it works: I have personally found a flight in the same class, on the same airline, for the same origin and destination cities, and requested Orbitz to refund the difference of around $35. Within a few weeks, I received a check in the mail. A similar program applies for CheapOAir, but there’s a catch—the price difference must be found on a major OTA such as Expedia or Travelocity.

Expedia has a particularly good price match policy, but you have to pay extra for it at the time of booking. Expedia offers the price match option as an add-on that costs between $5 and $30 when you book. With the price match applied, if the airfare on Expedia drops between 120 days of the flight and up to six hours before the flight, Expedia will automatically refund you the difference in fare. Unfortunately, fares generally do not drop substantially as the travel date approaches, so while this might give you peace of mind, it’s probably not worth the expense.

How do Google Flights and other travel metasearch engines work?

Frequent fliers are likely familiar with websites such as Google Flights, Kayak, Momondo, or Skyscanner. On these websites, passengers search on the site but are redirected to the service provider to complete the booking, such as an airline, rental car company, or hotel.

Metasearch started with a product called ITA Matrix, which is a tool for searching airfares online but not for actually booking online. ITA Matrix allows for multi-city searching, such as setting two different departure or arrival airports, and for offering a calendar view of fares for easier comparison. That company was acquired by Google in 2011, and savvy travelers swear by it to help find the least expensive fares online. Most consumers are more familiar with Google Flights, which has gained traction more recently not least because it has the benefit of being displayed first in search results on Google.

Metasearch engines receive distribution fees from the airlines for sending traffic to the supplier websites. There are no additional hidden fees for using a metasearch engine because you’re booking directly with the airline or hotel.

A major benefit of the metasearch engines is their price tracking tool, which lets users know whether the displayed fares are low, average, or high for the flight, allowing travelers to make a more informed decision on whether to book a flight or not . Google Flights and Kayak, for instance, both have price tracking tools.

Why not just book directly?

The airlines would definitely much rather you book directly with them. Over the past five years, they have gotten much better at marketing and selling their product directly to consumers online and through mobile sites and apps. But in the past, they weren’t so good at it. In fact, Delta, Northwest, United, American, and Continental got together to invest $145 million to launch Orbitz in 1999 to counter the threat from Expedia. Now Orbitz is owned by Expedia.

The airlines also try to encourage customers to book directly so that they can maintain a closer relationship with them. It allows carriers to connect bookings with loyalty programs and create special offers and discounts catered to individual passengers.

There is another benefit to booking directly. The U.S. Department of Transportation requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty, so long as the booking is made at least seven days before travel. The law applies, however, only to U.S. and foreign air carriers that have websites marketed to U.S. consumers. This means that, in theory, an online travel agency does not have to offer such a policy, although most OTAs do.

What are the options for booking on your mobile device?

Airlines and the major OTAs all have apps to help you book and manage your trip on your mobile device, but their functionality is lacking compared to these websites’ desktop editions. For example, Expedia’s app doesn’t allow you to view flights on a month-view calendar. Kayak has an app with more bells and whistles and a better user interface, including a month-view calendar with color-coded pricing. It also has a handy “augmented reality” function to help you see if your carry-on bag will fit in the overhead bin (a feature originally developed by KLM). Point your phone’s camera at the luggage, and it’ll give you the dimensions.

While apps are improving and gaining in popularity, you still might find it easier to locate the best deals on flights and hotels by using your desktop, where you can have multiple tabs open and have all the available search tools at your disposal. Apps are fine for booking directly with an airline once you know which flights you want to book.

If you’re determined to use your mobile device, you may want to look into Hopper. Hopper is a mobile-first flight booking tool that has a solid price prediction tool. You can research travel options and book directly on the app. Another benefit of Hopper: Of its team of 300 employees, nearly half are dedicated to customer support and are based in Canada versus some OTAs and airlines that outsource much of their customer service further afield.

The bottom line?

Like many travelers, I enjoy a flight deal as much as the next person, but I also don’t like any added hassle. I typically start my travel searches using the ITA Matrix or Google Flights to get a general sense of the fares. It helps to know what is a good deal and what is expensive for a particular route. I do my research, typically on a desktop computer. When I’m ready to book, I’ll book directly with the airline. I’ve found that customer service is better when booking directly with the service provider. But I’ve also saved money by using OTAs and have booked with them, too. Whichever way you choose to book, you can be safe in the knowledge that finding and purchasing travel online is a lot easier today than searching for a deal with a travel agent on a pay phone.

>> Next: How to Get the Best Last-Minute Travel Deals

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Top online travel agencies

Based on Cloudbeds’ data gathered from thousands of customer properties between 2021 (the benchmark used in our last report) and 2023, we’ve seen a remarkable pace of recovery for OTAs. While top OTAs like Booking.com, Expedia, and Airbnb have held onto their spots as the highest-revenue generating OTAs, we saw China’s Trip.com rise two spots, indicating the return of Asian travelers to the market. Here are the highest revenue-generating OTAs of 2023.

Highest revenue-generating OTAs

1. booking.com.

Booking.com is one of the largest and most popular travel websites in the world, with over 1.5 million nights booked every day. Its website and mobile apps are accessible in 43 languages and feature over 50 million verified guest reviews of properties in 200+ countries. Its parent company, Booking Holdings, includes OTA brands and metasearch engines such as Priceline.com, KAYAK, Agoda, Rentalcars.com, OpenTable and more.

Expedia.com is the flagship brand of Expedia Group, which includes 200 travel booking websites, including Hotwire, Orbitz, Trivago, and Travelocity, serving 75 countries in 35 languages with over 600 million monthly visits. The website includes searches for all types of accommodations, as well as booking flights, car rentals, cruises, and vacation packages. By activating the Expedia connection, properties will broadcast their inventory on Hotels.com, Wotif, and many other channels.

Airbnb is known for providing access to unique accommodations around the world, with the vast majority of properties located outside of main hotel districts. While the company continues to expand into hotel room inventory following its acquisition of HotelTonight (known for booking last-minute lodging), its community expects a certain type of experience. Namely, something that is less cookie-cutter and more oriented to the local vibe.

4. Hostelworld

HostelWorld is a leading OTA for hostel-focused accommodations worldwide, with 12+ million guest reviews. Their inventory also includes hotels, B&Bs, and other budget accommodation types. Hostelworld aims to be a leader in social travel via its online booking options and mobile app, addressing the needs of guests who want to make connections with others as they experience the world around them. Their app and website operate in 20 different languages.

Agoda was founded in 1998 and later acquired by the Priceline Group (now called Booking Holdings) in 2007. Agoda’s website is available in 38 languages and focuses on listing all types of properties. It’s currently one of the leading online travel booking sites for the Asian market but is pushing into the US, India, and European markets.

6. Trip.com

Trip.com is China’s leading provider of travel services including reservations for accommodation, transportation, tours, and corporate travel. Founded in 1999, the company owns and operates several other OTAs and aggregators, including Trip.com, Skyscanner, Qunar, and Ctrip. 

7. Hotelbeds

By connecting to Hotelbeds, will gain unrivaled exposure to the travel industry’s largest network of B2B buyers, including more than 71,000 tour operators, travel agents, airlines, and loyalty & points schemes which can be great for business travel. 

With over 2 million bookable vacation rentals, Vrbo caters to a diverse range of needs and preferences, offering everything from cozy, intimate cabins for romantic getaways to spacious, well-appointed villas suitable for large family reunions or group vacations.

9. Traveloka

Based in Indonesia, Traveloka is one of Asia’s largest online travel agents. Traveloka lists hundreds of thousands of properties across Southeast Asia, Australia, and around the globe. The company also provides lifestyle products and services, such as tickets to attractions, activities, car rentals, and restaurant vouchers.

10. Despegar/Decolar

Despegar/Decolar is a leading online travel company in Latin America, with Despegar functioning as the global brand and Decolar representing the brand in the Brazilian market. Their marketplace operates across 20 markets and offers a broad suite of travel products in the region, including airfare, hotel bookings, travel packages, and other travel products to a large customer base.

Highest revenue-generating OTAs by country

Based on Cloudbeds data, we’ve highlighted the OTAs that are generating the most revenue for our customers in leading travel destinations. 

Hostelworld has moved up on the list across multiple countries, demonstrating that demand for hostels (jumping 5 spots in Thailand and the Philippines), shared accommodations, and experiences is back. In addition, we can see the return of Asian travelers as Agoda and Trip.com rise in North America and make their first appearance on Latin American lists. 

Top 10 OTAs in the U.S

• Booking.com
• Hostelworld 
• Agoda 
• HotelTonight 
• Hotelbeds 

Top 10 OTAs in Canada 

• Booking.com 
• Expedia 
• Dorms.com 
• Mrs & Mrs Smith
• Tripadvisor

Top 10 OTAs in Mexico

• Hostelworld
• Despegar/Decolar 
• PriceTravel
• Mr & Mrs. Smith

Top 10 OTAs in Spain

• Keytel 
• Mr & Mrs Smith

Top 10 OTAs in other countries 

Learn more about the top revenue-generating OTAs around the world in our Big Book of OTAs, including:

• Philippines

Highest niche revenue-generating OTAs

What are niche otas.

Niche OTAs are online travel agencies catering to specific audiences and travel needs. Many niches exist today, including OTAs for skiers, campers or glampers, adventure travelers, luxury travelers, and more.

Niche platforms can be the best online travel agencies as they are built to target more specific guest segments. Once you identify what guest segments make sense for your property, you can look into local partnerships to expand your offerings to provide a more tailored experience that complements your guests’ travel plans. For example, if you have a property close to the beach, you can find local surf instructors to partner with and offer lessons through your booking engine to attract surfers. When the guests check in, you can show them where the best surf is in town to improve the guest experience.

After a guest’s first trip is booked through a niche OTA, the guest will likely forego OTAs for their next trip in favor of booking directly on the hotel website. Niche OTAs are an essential part of any property’s online distribution strategy as they build loyalty and encourage direct bookings.

In the niche OTA market, many new channels have emerged over the past few years, especially surf & sport OTAs and luxury OTAs.

Highlighted niche OTAs surf & sports 

The global surfing tourism market is predicted to grow at a compound annual growth rate of 6%, from 9.5 billion USD in 2022 to 17.1 billion USD by 2032. Travelers are increasingly looking for unique experiences, many tailored to specific activities like surfing, and seek out properties that cater to their needs. Today, the top revenue-generating Surf & Sport OTAs include:

Thermal offers a handpicked collection of the best surf trips in the world, with a focus on amazing guides who create one-of-a-kind, authentic experiences.

Good Story has an inventory of surf hotels and internationally recognized surf schools and camps for both novice and experienced surfers. 

Surf Holidays provides unique places to stay with quality local surf instruction to deliver the surf holiday of a lifetime on some of the best breaks in the world. 

Luex Surf & Snow Travel connects travelers with operators/ suppliers of once-in-a-lifetime sports travel experiences and products.

KiteSurfHolidays.com specializes in kitesurfing holidays, including accommodations and kitesurfing schools.

Highlighted niche OTAs luxury

In May 2023, Deloitte reported that the luxury travel industry had rebounded to pre-pandemic levels and is currently thriving, with a global market value of 1.2 trillion USD. Bookings at five-star hotels rose 19% over the first three quarters of 2021, and luxury travelers are more keen than ever to experience “Instagram-worthy” experiences in unique and remote locations. 

The following OTAs cater to travelers looking for luxury accommodations:

Mr & Mrs Smith includes a collection of carefully curated hotels that are first anonymously evaluated and visited by staff. This exclusive OTA works on an invitation-only basis. 

Prestigia is made up of hand-selected quality and unique hotels from all over the world. This OTA offers the best price guarantees, promotions, and exclusive offers. 

icastelli.net luxurious, historical, and unique high-level hotels are the property types found on this OTA. Collections include exclusive boutique hotels, golf hotels, spa hotels, and more.

i-escape provides unforgettable travel experiences, including eco-retreats, safari lodges, and boutique hotels. Also included is an award-winning booking system with a direct dialogue between guests and property and free advice from travel consultants. 

Tablet Hotels the official hotel selection of the MICHELIN Guide. This OTA showcases hotels that provide meaningful experiences to guests, regardless of budget. 

Spotlight – LGBTQIA+ OTAS

The global LGBTQIA+ travel market is valued at over $568.5 billion USD annually . While many countries have become increasingly welcoming to the queer community, discrimination is still prevalent today. A Booking.com study revealed that 58% of LGBTQ+ travelers face discrimination while traveling, and 41% canceled a trip within the past year after seeing their destination wasn’t LGBTQ+ friendly. 

 OTAs like ebab have emerged to offer safe and friendly accommodations to the LGBTQIA+ community.

Top OTAs by property type

Our data shows that while the top global OTAs dominate across almost all property types, some OTAs offer more opportunities for specific property types.

Channels such as Hostelworld have traditionally been popular for searching for hostels, while channels such as Vrbo and Airbnb have catered to vacation rentals. However, we’ve seen that our hotel customers are increasingly adopting Airbnb as part of their channel mix. Airbnb welcomes hotels that have a unique, independent environment and style.

Download our Big Book of OTAs to see the list of the five most popular channel connections by property type, including:

• Most popular channel connections for Hotels & Boutiques
• Most popular channel connections for Hostels
• Most popular channel connections for Vacation Rentals
• Most popular channel connections for Bed & Breakfasts

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The 10 Best Online Travel Agencies: The Top OTAs to Connect to in 2024

Lexi DeMers

Online travel agencies don’t just make life easier for travelers. The best online travel agencies also offer a variety of benefits to business owners. From accessing niche markets to benefiting from the billboard effect, listing your hospitality business on popular travel sites has many perks. 

These sites can help you cover low-season lulls or ensure you maximize your bookings year round. Discover how online travel agencies can help you capture your share of the $521 billion online travel market . In this article, we’ll cover the best online travel agencies for hoteliers and other accommodation providers, detail the benefits they offer, and discuss how you can easily manage multiple channels. 

The 10 Online Travel Agencies with the Highest Revenue 

Before you take the time and effort to list your business on a new channel, you’ll want to make sure that it will actually help you gain new guests. Below are the 10 best online travel agencies worldwide by annual revenue , as reported by Statista. 

Booking.com

Edreams odigeo, tripadvisor, manage all your channels with one centralized booking system, a closer look at the best online travel agencies.

All online travel agencies are not created equal. In fact, many channels cater best to specific businesses. Though listing your property on the highest earning online travel agencies is a great strategy, it is even better to understand the markets that each OTA serves. Below, we will take a closer look at the best online travel agencies.

Booking.com is a global powerhouse in the online travel agency sector. Its expansive platform includes a diverse array of property types, ranging from hotels and resorts to apartments and hostels. So it is a great OTA option for a variety of business models. Renowned for its user-friendly interface and extensive property listings, Booking.com attracts travelers from around the world. 

Hotels can seamlessly integrate with this booking engine, streamlining their reservations and room management. On average, Booking.com charges businesses a 15% commission on every booking, though this rate can vary from region to region. 

Expedia is a leading online travel agency known for its global reach and comprehensive travel offerings. This one-stop shop caters to travelers searching for accommodations, flights, car rentals, and vacation packages across the globe. 

Business owners benefit from Expedia's tools like the Partner Central platform, which aids in managing bookings, optimizing rates, and enhancing visibility. Expedia's loyalty program, Expedia Rewards, encourages repeat bookings which is why it is one of the best online travel agencies for hoteliers. However, depending on the region your business is in, Expedia charges 10% to 30% commission. 

Airbnb is a unique online travel agency that connects travelers with a wide range of accommodations, from cozy private rooms to entire homes. While it initially gained fame for its home-sharing platform, it has expanded to include boutique hotels and traditional accommodations. As such, it ranks toward the top of our list of the best online travel agencies. 

Accommodation providers can tap into Airbnb's extensive network, reaching guests from around the world. While there are a few different options, most hosts on Airbnb are charged a 3% commission. Meanwhile, Airbnb charges a 14% service fee to guests on top of the nightly rate you set. 

Trivago is one of the best online travel agencies, but getting your property on the site isn’t as straightforward as the other options on this list. Trivago is a metasearch engine that scours the Internet to find the best hotel deals for travelers. It collects hotel listings and prices from various online travel agencies, hotel chains, and booking sites. 

Owners can leverage Trivago by ensuring their listings are well-optimized on other OTAs. Since it doesn't handle bookings directly, Trivago doesn’t charge business owners any commission and instead gets its revenue from other sites that advertise there. 

Despegar is one of the best online travel agencies, primarily serving the Latin American market. It offers a wide range of travel-related services, including hotel bookings, flights, and car rentals. With a strong presence in Spanish and Portuguese-speaking countries, Despegar provides travelers with a convenient platform to plan and book their trips.

Business owners looking to tap into the Latin American market can benefit from listing their properties on Despegar. It allows them to access a diverse and growing customer base while also providing travelers with options tailored to their preferences and language. Hoteliers can expect to pay 10% to 15% in commission on bookings from this site. 

Save hours each week by automating the booking process

• Accept bookings 24/7
• No commission charges
• Real human support

As one of the largest online travel agencies globally, Trip.com offers a variety of services to travelers. Formerly known as Ctrip, it has a strong presence in the Asian market but has expanded its reach to cater to a diverse international audience. Travelers can use Trip.com to book hotels, flights, trains, car rentals, and other travel-related services. 

Accommodation providers aiming to attract travelers from Asia and beyond can benefit from partnering with Trip.com. As one of the best online travel agencies, it provides access to a vast customer base seeking a variety of accommodation options. By listing on Trip.com, you can expect to pay anywhere between 10% to 25% in commission. 

eDreams Odigeo is a leading European online travel agency that serves as an umbrella for several well-known brands, including eDreams, Opodo, GO Voyages, and Travellink. It caters to travelers seeking a wide range of travel products and services. By partnering with eDreams Odigeo, accommodation providers can tap into the European market and beyond. 

Whether you run a boutique hotel or manage a large resort, listing your property on one of the  eDreams Odigeo sites allows you to reach travelers from various European countries. Depending on the exact site you list your business on, you may pay commission or your guests may pay service fees. 

As a prominent online travel agency in India, MakeMyTrip has a strong foothold in the South Asian market. It offers a range of travel services, including flights, hotels, and holiday packages. By listing your property on MakeMyTrip, you can tap into the growing Indian travel market and attract travelers looking for both domestic and international accommodation options. 

MakeMyTrip's user-friendly interface and extensive marketing efforts make it a valuable platform for reaching travelers across India and the Indian diaspora. After some controversy over excessive rates in 2019, MakeMyTrip pledged to cap its commission at 22% . However, your guests will also be charged a booking fee when making reservations on this site. 

If you're targeting spontaneous travelers or those seeking last-minute deals, Lastminute.com is the best online travel agency to consider. As the name suggests, it specializes in providing travelers with a wide array of last-minute options, from flights and hotels to car rentals and activities. 

By partnering with Lastminute.com, you can attract travelers looking for instant bookings, making it an excellent choice for filling last-minute vacancies. This is great for offering discounts during off-peak periods or showcasing special promotions. To learn more about the commission rates Lastminute charges, it's best to reach out to the company directly. 

Tripadvisor is renowned for its comprehensive database of traveler reviews. But it's also a powerful online travel agency, offering an extensive platform for accommodations, restaurants, and attractions. 

By delivering exceptional experiences to your guests, you can earn positive reviews that attract more travelers to your property. Tripadvisor offers various tools for property owners to manage their listings, showcase their amenities, and respond to reviews, ensuring your property's reputation remains stellar. Plus, Tripadvisor only charges owners a 3% commission fee. 

Other Great OTAs for Your Business 

Aside from the top-performing online travel agencies globally, there are still many more OTAs that can help boost your earnings and expand your audience. Depending on the region you’re in and your ideal target market, the other great online travel agencies below may work well for you. 

VRBO, which stands for Vacation Rental By Owner, is a platform specializing in vacation rental properties. It's a part of the Expedia Group and caters to travelers seeking unique and often more private accommodations, such as vacation homes, cabins, cottages, and condos. VRBO charges owners a 5% commission. 

Hostelworld

Hostelword is one of the best online travel agencies for low-cost accommodations like hostels and budget-friendly hotels. Hostelworld connects hostel owners with a global community of backpackers and budget travelers, making it an essential choice for those operating in the hostel industry. When receiving bookings from Hostelworld, business owners typically pay between 10% and 25%. 

Primarily known for its flight booking services, Hopper has expanded into the hotel industry. This innovative OTA offers travelers a unique approach to booking accommodations. Hopper's app leverages data analytics to predict the best times to book hotels at the lowest rates, helping travelers save money. And the best part of this platform is that it doesn’t charge hosts any commission fees on bookings. 

Strongest in the Asian market, Traveloka offers a comprehensive platform for booking flights, hotels, activities, and other travel-related services. It has gained popularity for its user-friendly interface, competitive prices, and extensive coverage across Southeast Asia. Owners will pay between 10% to 15% of booking revenue in commission to Traveloka. 

Your business. Your Bookings. Your way.

What are the benefits of using an online travel agency.

Online travel agencies have revolutionized the way the hospitality industry operates. They offer a wide array of benefits that cater to both travelers and accommodation providers. In this section, we'll explore the key advantages of collaborating with some of the best online travel agencies.

Higher Booking Volume.   Of course, the main goal of listing your property on an online travel agency is getting more bookings. These sites have large audiences, which can lead to a substantial increase in bookings. 

Market insights. The best online travel agencies provide valuable data and market insights that can help you understand traveler preferences, booking patterns, and trends. In turn, this can inform your pricing, marketing, and property management strategies.

Build an Online Reputation. Many OTAs offer a review system that allows previous guests to share their experiences. Positive reviews and ratings can build trust and credibility, encouraging potential guests to choose your property.

Easier international reach. If you have international guests in mind, the top online travel agencies can help you reach travelers worldwide. They also often support various languages and currencies, making it easier for international guests to book.

Billboard effect. The Billboard Effect describes the phenomenon in which accommodation providers gain more direct bookings on their own websites after listing their property on OTAs. It illustrates that these platforms serve as powerful marketing and distribution channels.

How to Find the Best Online Travel Agencies for Your Business 

While listing your business on all of the best online travel agencies is a smart move, you can go a step further with OTAs. If you want to find the absolute best online travel agencies for your business, you’ll need to identify sites that fit your niche. 

Many OTAs cater to specific audiences, such as Thermal for surf trips and Bookatrekking.com for trekking adventures. There are also great online travel agencies for other niches, including luxury accommodations, yoga retreats, family hotels, and more. Take some time to explore various platforms’ user base and commission rates to determine which OTAs would be best for your business. 

How Can I Manage Multiple OTAs?

While having a presence on multiple OTAs can offer big rewards, having to log into and manage several different platforms is extremely time consuming. Not to mention, you risk double-books and other errors. Thankfully, you can use a channel manager to help streamline your bookings across multiple online travel agencies. 

At Bookinglayer, we offer Channels ; a fully integrated, user-friendly channel manager that allows our clients to maximize their revenue without spending extra time on administration. Channels allows business owners to integrate with up to 35 different platforms while conveniently managing everything from one simple dashboard. 

Want to Learn More About How Bookinglayer Helps Business Owners?

Bookinglayer is an all-in-one software suite designed specifically for adventure travel businesses that have complex booking scenarios. If you want to offer accommodation and activities, Bookinglayer is the most comprehensive platform on the market.

Whether is optimizing your booking flow, automating your payment processing, or streamlining your daily reports, we can help you save time, reduce errors, and increase conversions. You can sign up for a free demo to discover if you are the right fit for our software suite. 

Best Online Travel Agencies FAQ

What is an online travel agency.

An online travel agency is a web-based platform that allows users to research and book a range of travel-related services. Also known as OTAs, these marketplaces display services from various providers. They often include accommodation, flights, rental cars, tours and activities, and more. 

How do online travel agencies work?

Online travel agencies are third-party services that offer users a convenient and easy way to plan and book travel experiences. They aggregate travel services, facilitate bookings, collect payments, and publish reviews. In return, they oftentimes earn a commission from the bookings they sell.  

How do OTAs make money?

OTAs typically make money by charging business owners a commission on the bookings they sell. These commission rates can range from 10% to 30%, depending on the platform you choose and the region you operate in. In addition, some OTAs may also charge customers a service fee to help cover the costs of running the platform. 

What is the downside of using OTAs?

The downside of using an OTA is that you will likely need to pay a commission to the platform. As such, many business owners prefer to collect direct bookings. Nonetheless, the best online travel agencies serve as a great way to advertise your property and can help you increase your revenue, despite the commission charges. 

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Best online travel sites 2022

Use the best online travel sites to plan your trip ahead of time so you can enjoy your time away.

• Buying advice
• Testing process

The best online travel sites are wonderful not only plan your next trip for peace of mind, they're also a fun way to get excited ahead of your next adventure. You can simply go to one site and plan most of your trip's main parts from flights and hotels to rental cars and excursions. If what you're after is just hotel bookings, check out our list of the best hotel booking sites .

While what many of these sites offer is similar, it's the way in which they do it which is important. The last thing you need is a stress-inducing website when planning to go away to relax and unwind. So we've reviewed the best sites based on their price, of course, but also on the way they work, with the ease of use and clarity as important features. We also checked to make sure you won't suffer any extra charges added on top at the last minute. Plus, we took rewards schemes into account, which could help you save money upfront or in the longer term if you use some sites more than once.

With all that in mind, these are the very best online travel sites out there right now.

The best online travel sites

1. expedia.com: best online travel site overall .

Why you can trust Top Ten Reviews Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test .

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Reasons to buy, reasons to avoid.

Expedia is a big name in online travel sites and hotel booking services and owns many popular sites like Hotels.com and Hotwire.com. We're fans of the original, though, thanks to its clean and straightforward to use interface. Hit the packages section of the site, and you can add up to five connecting flights, choose to add accommodation for all of or only part of your trip, and tag on car rentals too. 

It's all suitably well laid out, and it only takes a few seconds to start putting together your itinerary. However, we do wish there were a few more options for filtering out accessibility issues. Still, for most people, Expedia.com has everything they'll need, and there's even the option of a cruise too if you fancy it. It's as aspirational to look at as it is useful to, well, use and there are extra discounts for booking multiple parts of your vacation with the site. A Things To Do section rounds off the site's bid to help you plan your entire trip in one place.

2. Booking.com: Best for ease of use

Booking.com

Booking.com is a giant in the world of holiday bookings and not only offers over half a million properties in more than 207 countries but also offers flights and car rental services too. As such you can do it all from this one spot which makes it a very easy-to-use option. That said, there is a lot going on, and the user interface can be a little overwhelming at times. 

But with a superb rewards program, it is a great option that encourages you to keep coming back, making it easier to use as you become accustomed. You can even sort your taxi hire from this site meaning there is very little to think about when you get traveling as it's all been planned ahead of time. You also don't have to pay a booking fee on lots of hotels, allowing you to remain flexible – ideal if you're traveling about a lot on your journey.

3. CheapTickets.com: Best for finding things to do 

CheapTickets.com

CheapTickets is another site acquired by Expedia, but it does things a little differently. You can easily add on flight, hotel, and car or any combination of the three for package deals, although multiple flights are under a different option. So far, so Expedia (if less intuitive), but you can also clearly purchase event tickets from the site, which is far more useful if you want a one-stop-shop place to buy your trip. It's something other sites provide, but CheapTickets is that bit keener to entice you into the process, even if the site itself is a little cheesier looking than others. 

There's also the site's Vacation Value Finder, which lets you tweak how much you're willing to spend and what you're looking for from a vacation before making some fun suggestions. It's perfect for finding a last-minute deal if you don't have your heart set on one place. Students will also appreciate a section dedicated to them with extra discounts once you verify you're a student. All in all, it's a great varied site for numerous different needs. 

4. Priceline.com: Best for user reviews 

Priceline.com

Priceline is a big deal in the online travel site world for a good reason. It's effortless to use with options available for flights, cars, hotels, or any combination of the three. It's mildly annoying that Priceline's super cheap Pricebreaker deals don't extend to bundles, so you won't get an incredible bargain like you would if you booked separately. However, combining the set is still a worthwhile deal with discounts offered for the more you bundle together. 

One thing we really appreciated is that every hotel we looked at had dozens of reviews, and they're all from verified customers. It takes seconds to gain a reasonably accurate picture of what to expect from wherever you're considering booking. That's the perfect peace of mind when you're booking online, and you can't be sure of what you're getting without user reviews backing hotel statements up. Clearly laid out, you can focus on enjoying rather than worrying. Finally, Priceline is keen to make its VIP scheme easily accessible with straightforward discounts offered to you over time -- something that not all sites so clearly highlight. 

5. Kayak.com: Best for aggregated results 

If you're short on time, Kayak is pretty useful. That's because you simply enter where you want to go, and it aggregates results from multiple different sources. While it means you never book directly with Kayak, it does mean you get results quickly and without having to search around yourself, even if you will feel a bit overwhelmed with adverts while you search. 

The site itself looks a little basic, but under the hood is a surprising number of different filters (although no accessibility ones to speak of) and all the critical information you could require, although obviously you'll be sent to another site for the full details. The site also has a deals section, which has some great bargains for things you can do once you reach your destination, along with cheap car rental deals. It might not be pretty, but if you simply don't want to do the groundwork yourself, Kayak has you covered. It can be a real time-saver, and we reckon it's particularly useful if you're mostly researching possible trips in the future and want rough price estimates. Just watch out for the fact you can’t bundle in car rental deals. 

6. Hotwire.com: Best for renting properties 

Hotwire keeps things straightforward. All you need to do is enter what you're looking for, and a somewhat dated interface tells you what's available. It's not as pretty as some sites, but we really liked the extensive property type filters available. Want to stay on a houseboat or in a chalet at your destination? Hit the relevant filter, and you can find out if that's an option in the locale. That might not matter if your heart is set on a hotel, but it's a nice bonus even amongst the awkward site layout. 

Elsewhere, it's mostly business as usual, but that's no bad thing. Well laid out discounts are available to compare reasonably quickly, and most locations have plenty of reviews. If you feel like tracking down specific deals, you can do that too, with the site keen to offer up discounts to central locations if you're not quite sure where you'd like to visit next. It feels like the site needs updating when you compare it to its rivals, but it works well and speedily enough.

7. Agoda: Best for private home rental in Asia 

Agoda is a great option if you want to look for accommodation that isn't a hotel as this specializes in offering apartments and private rentals. In fact, there are dedicated market managers that work on finding properties, especially in Asia. As such you can find unique destination rentals at decent rates and should you change your mind there is a helpful 24-hour free cancellation policy in place. 

Everything is very easy to use and if you want to make more than one booking you can make great savings. Customer support is also a plus, as there is a 24-hour multilingual customer support service available when booking. With millions of reviews, Agoda makes finding a property very easy with a feeling of trust that can offer great peace of mind.

What to look for in an online travel site

Booking Travel Packages Travel packages can let you combine flights, hotel reservations and car rentals together for a better deal than booking separately. Some companies, like Priceline, pick hotels and flights for you, to get you to your destination for the lowest price. Other companies let you mix and match flights, hotels and car rentals to fit your schedule.

Booking Airfare One of the biggest reasons for searching on a travel site is to find cheap airfare. While there are dozens of airfare-specific websites, travel sites also give you the option to add hotel stays and car rentals. The best travel sites combine flight information from over nine different airlines and let you sort flights by price, number of stops, duration and flight class.

Booking International Travel Finding airfare for international travel is the easiest part of booking an overseas trip. AirGorilla helps you find accommodations and rent GPS units with your rental car, so you can find your way around. Often, sites will recommend hotels that are far from your actual destination or event. Searching for reservations on a site that gives accommodation recommendations will help you schedule an international trip with less stress.

How we tested the best online travel sites

We looked at how easy each site is to use during our testing, such as how quickly the site loaded and how easy it was to find what we were looking for. We considered whether the site felt cluttered with adverts or seemed like a dated interface. We also looked at how easy it was to find Contact Us pages, price guarantee information, and any kind of special deals section. 

We also considered how easily bundle deals could be arranged and how extensive they were and any potential discounts tied to them. We checked filter options to see how flexible and easy it was to look up different needs along the way.

We looked at trips between Los Angeles and Miami, Paris to Lisbon, and New York City to Los Angeles during testing. We also looked at lesser-known routes to see if they were also catered for appropriately.

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Jennifer has been freelancing for over 10 years. In the past, she's written about all things tech and gaming wise for outlets as varied as The Independent, Playboy, Eurogamer, and TechRadar. In her spare time, she spends far too much time watching films, attempting to train her pet guinea pigs, and mastering making the perfect burrito.  She's a full time freelancer, but a regular tech news contributor to Top Ten Reviews.

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• World's Best

The Top 15 Tour Operators in 2021

Scott Bay is a magazine editor specializing in travel, architecture, and gear. He was previously an assistant editor at Travel + Leisure . His work has also appeared in Wired , Architectural Digest , Wallpaper , Robb Report , Saveur , Daily Beast , and more.

Note: If you’re looking for our most recent recommendations, check out the 2023 list of our favorite tour operators .

This year's World's Best Awards survey was open for voting January 11 through May 10, 2021, as destinations around the world were lifting COVID-19 restrictions. Survey rules have always allowed readers to reflect on their travel experiences over a three-year period. We hope that this year's honorees will inspire your own travels as you get back out into the world.

Linking up with the right tour operator can take an amazing trip and turn it into a trip of a lifetime . This might seem like magic, but their in-the-know expertise and long-standing relationships open the doors for the seemingly impossible — a private Jeep safari with a professional tracking team in the depths of Torres del Paine or one-on-one cooking classes from a chef that runs a Michelin-starred restaurant in the south of France. And if any group has traversed the world enough to discern the best tour operators out there, it's the readers of Travel + Leisure .

Every year for our World's Best Awards survey, T+L asks readers to weigh in on travel experiences around the globe — to share their opinions on the top hotels, resorts, cities, islands, cruise ships, spas, airlines, and more. Hotels were rated on their facilities, location, service, food, and overall value. Properties were classified as city or resort based on their locations and amenities.

The companies that made the list have the skills and connections to create itineraries that reflect their clients' personal interests. No. 3 VBT Bicycling Vacations curates two-wheeled trips all over the globe . One reader said, "Their staff make all the difference." No. 2 Mountain Lodges of Peru puts together highly personalized trekking adventures to Machu Picchu. As another reader exclaimed, "This is the way to visit Machu Picchu!"

But at the top of the list is Quasar Expeditions. Though primarily known for its cruises (the company won the small-ship ocean cruises category this year), it also operates a roster of dynamic safari-style excursions in South America. Read on to find out what sets it apart and which other companies join it on this year's list of the best tour operators in the world.

1. Quasar Expeditions

Quasar Expeditions is for adventurers. The highly specialized itineraries are designed to make guests feel like they're James Cook or Charles Darwin. "Quasar Expeditions' guides are the ultimate, passionate gatekeepers to the Galápagos Islands," one reader said. "Their enthusiasm and love of the islands and the wildlife encourages you to share in their passion and desire to conserve the natural beauty and habitat of the area while still allowing low-impact tourism." Another raved, "Excellent isn't a high enough rating to describe our experience with Quasar Expeditions. Extraordinary in every way!" And while Quasar is best known for its Galápagos trips, it gets high marks for its Patagonia itineraries, which takes guests into the best parts of Chile's Torres del Paine and Argentina's Los Glaciares — two of South America's most spectacular national parks.

Score: 99.58 More information: quasarex.com

2. Mountain Lodges of Peru

Score: 98.93 More information: mountainlodgesofperu.com

3. VBT Bicycling Vacations

Score: 98.70 More information: vbt.com

4. Classic Journeys

Score: 98.60 More information: classicjourneys.com

5. TCS World Travel

Score: 97.55 More information: tcsworldtravel.com

6. Black Tomato

Score: 97.25 More information: blacktomato.com/us

7. Inside Japan Tours

Score: 96.84 More information: insidejapantours.com

Score: 96.72 More information: tauck.com

9. Wilderness Travel

Score: 95.71 More information: wildernesstravel.com

10. Trek Travel

Score: 95.71 More information: trektravel.com

11. Geographic Expeditions

Score: 95.70 More information: geoex.com

12. Thomson Family Adventures

Score: 94.89 More information: familyadventures.com

13. Greaves

Score: 94.74 More information: greavesindia.com

14. DuVine Cycling + Adventure Co.

Score: 94.64 More information: duvine.com

15. Odysseys Unlimited

Score: 94.39 More information: odysseys-unlimited.com

See all of our readers' favorite hotels, cities, airlines, cruise lines, and more in the World's Best Awards for 2021 .

Related Articles

Ranking the best online travel agency rewards programs

When I was in graduate school, I would book conference lodging for other students. In doing so, I collected thousands of dollars of rewards through online travel agency (OTA) programs. But, even if you're only booking for yourself, you may find value in booking through OTAs .

Many travelers use OTAs to compare prices and book travel and although OTAs are easy to use, you won't always get the best price. You may not even get elite night credits and perks at hotels when you book through OTAs. So, it's best to compare what you find through an OTA against booking directly with the travel provider.

However, not all OTAs offer rewards programs and some programs provide only minimal value. So, today I'll describe and rank the best OTA rewards programs.

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

What to know before booking through an OTA

First off, know that booking through an OTA may not be the best option. You won't find some travel providers, such as Southwest Airlines , on most OTAs. And, you may find a lower price when you book directly.

Besides, you usually won't earn hotel points and perks when you book through an OTA . Instead, you usually must book directly with the hotel loyalty program to get elite earnings and perks. On the other hand, you'll usually earn airline miles when you buy your ticket through an OTA . But, the airline might classify your ticket as bulk or consolidated. And, this may yield fewer miles.

Finally, if things go wrong, you might find yourself caught in the middle of a finger-pointing match. Specifically, the OTA and travel provider may blame each other if your flight is canceled or your hotel is overbooked . So, both parties may claim the other needs to rebook you or provide compensation. Unfortunately, some travelers have learned this the hard way when trying to cancel travel during the coronavirus pandemic .

So, it's important to realize the potential pitfalls and consider the benefits of booking directly with the airline or hotel . But, if you decide to book through an OTA, you might as well choose one that earns plenty of rewards.

Related: Online travel agency vs. booking direct: Your guide to the best way to book your next hotel

Ranking the top OTA rewards programs

• Hotels.com Rewards : Best return on hotel bookings
• Orbitz Rewards : Best perks for frequent users
• Booking.com Genius : Best for easy to earn status that can provide confirmed upgrades and breakfast
• Expedia Rewards : Best for redeeming for a wide variety of travel
• Trip.com Rewards : Best for onsite perks when you need them

Now, let's take a closer look at each of the programs and options for maximizing your bookings.

Hotels.com Rewards

Hotels.com's loyalty program is called Hotels.com Rewards . And, in addition to being one of the most straightforward OTA rewards programs, it offers substantial value. Plus, you can book many top hotels through Hotels.com , including hotels perfect for a summer vacation or family vacation .

Earning and redeeming

The Hotels.com Rewards program offers you a reward night for every ten nights you stay. The value of your reward night is equal to the average rate you paid across the ten nights. However, this calculation doesn't include any taxes and fees. So, let's assume you:

• Stay seven nights in a hotel with a nightly rate of $100 before taxes and fees
• Stay three nights in a different hotel with a nightly rate of $200 before taxes and fees

In this case, you'd earn a reward night worth $130. However, you'll still need to pay taxes, fees and other incidental costs on your reward night. And, there's a $5 redemption fee if you redeem your reward night using the desktop or mobile web site. But, you can avoid paying the $5 redemption fee if you use the mobile app when you redeem.

Some strategy is helpful when using your reward night. If you use your reward night for a stay that costs more than the value of the reward night, you must pay the difference. But, if you use the reward night for a stay that costs less than the reward night, you'll forfeit the difference. So, you'll want to use your reward night on a stay with a nightly rate just slightly higher than the reward night. When you do, you'll get an almost 10% return on hotel spending through this program.

Related: 7 of the most interesting Hotels.com properties

Elite status

Hotels.com Rewards offers basic status and two tiers of elite status. Specifically, the base level status is called Rewards. And, Rewards status provides the following perks:

• Secret prices
• Earn and redeem as described in the previous section

You can earn Silver status by staying ten or more nights within a membership year, which is based on the date you created your account. Silver perks include the following:

• Priority customer service
• Hassle-free guarantee: Hotels.com will help minimize property charges or cancellation fees if you need to change or cancel a reservation.
• Price Guarantee Plus : If you find a better price on exactly the same stay, Hotels.com will match it and refund the difference.
• Guaranteed Wi-Fi at VIP access properties
• Extra perks at select properties

Once you reach 30 nights in a membership year, you'll earn Gold status in the Hotels.com Rewards program . Gold elites enjoy all the same perks as Silver elites, along with complimentary room upgrade, early check-in and late checkout subject to availability at VIP Access properties.

As you can see, Hotels.com Rewards elite status has few tangible benefits. So, the main reason to use this program is earning and redeeming. After all, getting a reward night after every ten nights is pretty sweet.

Related: Can you earn elite status and benefits when booking through Hotels.com?

Orbitz Rewards

Orbitz launched its Orbitz Rewards loyalty program in October 2013. And, like Hotels.com Rewards , Orbitz Rewards aims to be simpler than the average OTA rewards program.

Whenever you book travel through Orbitz, you'll earn Orbucks based on the kind of purchase you make:

• 1x on flights and packages (1% return)
• 3x on hotels, vacation rentals and activities (3% return)
• 5x on hotels and vacation rentals booked on the Orbitz app (5% return)

Orbitz deposits Orbucks into your account when you book. Then, you can cash in Orbucks toward hotel stays at more than 385,000 hotels worldwide. When you do, one Orbuck equals $1 off your hotel stay.

You can use Orbucks to pay for part or all of a stay. If you use Orbucks, the Orbucks you redeem will be subtracted from the total amount due. Unfortunately, you can't redeem Orbucks for anything besides hotel stays and vacation rentals.

Related: How do you cancel airline tickets issued by a travel agency?

Orbitz Rewards offers elite status to frequent bookers. You'll get Silver status just for signing up, which gets you the following perks:

• Access member-only prices
• Earn Orbucks when you book flights, hotels and packages
• Access to Rewards customer service line

You'll earn Gold status by staying four nights in a calendar year. On top of the perks provided to Silver elites, Gold elites also get unique amenities at VIP Access properties.

And, you'll get Platinum status after staying 12 nights in a calendar year. In addition to the perks available to Gold elites, Platinum status unlocks the following perks:

• Up to $50 Orbucks in reimbursement for travel expenses each calendar year
• Seat assignments and upgrades, bag fees , in-cabin pet fees and inflight Wi-Fi all count
• Apply for TSA PreCheck for free every five years
• Get free room upgrades and early check-in when available at VIP Access properties

Earning Platinum status could be worth it if you can use the $50 Orbucks credit for eligible travel expenses. This is especially true if you don't already have one of the top credit cards for TSA PreCheck .

Related: 5 reasons to get TSA PreCheck now

Credit card

If you're looking to boost your earnings with Orbitz, you could open the Orbitz Rewards Visa Credit Card. This no annual fee card earns Orbucks at the following rates:

• 10x on Pay Now properties booked on the Orbitz app (10% return)
• 8x on Pay Now properties booked on Orbitz.com (8% return)
• 6x on all flights booked on Orbitz.com (6% return)
• 5x on all other Orbitz.com purchases (5% return)
• 2x on all other purchases (2% return)

However, remember that you can only redeem Orbucks for hotel stays and vacation rentals booked through Orbitz. But, if you use Orbitz frequently, this card may be a good choice. The card also comes with lost and stolen baggage coverage . Plus, as a cardholder, you'll get a 6-month CLEAR trial membership and $60 off automatic renewal.

Related: Should you get TSA PreCheck or CLEAR — or both?

Booking.com Genius

The Booking.com Genius loyalty program is a bit different than most of the other programs described in this guide. Specifically, there aren't any chances to earn or redeem rewards within this program. And, there's no cobranded credit card for this program. But, you can earn elite status. And, best of all, it's easy to do so and lasts for life.

The Booking.com Genius loyalty program has two elevated Genius levels. And, once you earn these levels, you'll keep your status for life.

To earn the first level, Genius Level 1, you must stay twice within two years. But, this level only provides one perk: a 10% discount at select hotels.

But, Genius Level 2 isn't much more difficult to earn. To earn Genius Level 2, you must stay five times within two years. And, Genius Level 2 provides the following perks:

• 10% and 15% discounts at select hotels
• Free breakfast at select hotels
• Complimentary room upgrade at select hotels

You can see which hotels offer discounts, free breakfast and room upgrades when you search.

So, as a Genius Level 2, you can ensure an upgrade. After all, you can book into an upgraded room at select hotels for no extra cost. And, this gives much more value than a space-available upgrade.

You won't earn any rewards within the Booking.com Genius program . But, if you're looking for a deal or upgraded room , you may find it sorting by hotels with Genius perks.

Related: Booking.com makes a big move against resort fees

Expedia Rewards

Expedia's rewards program, named Expedia Rewards , provides a loyalty program that's similar to Orbitz Rewards . However, with the Expedia Rewards program, you can redeem for a wider variety of travel.

When you make travel purchases through Expedia, you'll earn points based on the kind of travel purchased:

• 2 points per $1 spent on hotels, cars, packages, things to do and cruises (1.4% return)
• 1 point per $5 spent on full-service airlines (0.14% return)

Also, you'll earn double points on all bookings made through the Expedia app. Plus, as we'll discuss in the next section, elite members can earn points faster.

When you're ready to redeem, simply sign in to your account and start the booking process. Once you get to the checkout page, select "Use my points" under the payment section. If you don't want to use all your points on this booking, enter the amount you wish to use.

However, if you are booking a hotel, you'll need to "Pay now" if you're using points. And, if you're booking airfare, you'll need enough points to cover the entire cost. For every 140 Expedia Rewards points you redeem, you'll save $1. So, each point is worth about 0.7 cents. But, points are worth double when you book a VIP Access hotel.

Related: The complete guide to the Expedia Rewards loyalty program

There are three membership tiers in the Expedia Rewards program . You'll earn Blue tier status simply for joining Expedia Rewards. And, at the Blue tier, you'll get the following perks:

• Save an extra 10% or more on select hotels with member prices
• Earn Expedia points
• Hotel price guarantee (Expedia will match any lower price you find until midnight before your stay)
• Early access to sales and other exclusive member offers

You'll move to Silver status if you spend $5,000 on eligible bookings or stay seven nights within a calendar year. In addition to the perks available at the Blue tier, Silver elites get the following perks:

• 10% more points when you book
• Extra perks at VIP Access hotels , including 250 bonus points just for booking
• 24/7 expedited customer service via the Silver member number

And, you'll earn Gold status if you spend $10,000 on eligible bookings or stay 15 nights within a calendar year. On top of the perks available at the Silver tier, Gold elites get the following perks:

• 30% more points when you book
• Free room upgrades when available at VIP Access hotels
• 24/7 expedited customer service with specialized Gold agents via the Gold member number

The perks provided by the Expedia Rewards program aren't all that impressive, nor is the earning. I'd recommend giving this program a pass unless you have a compelling reason to book through Expedia.

Related: Why points and miles are a terrible long-term investment

Credit cards

If you are all-in on the Expedia Rewards program, you may want to consider one of the following cards:

Expedia® Rewards Card from Citi

• 3x points on eligible Expedia purchases and 1x points on everything else
• Automatic Silver status
• Earn one elite-qualifying hotel night toward Gold status for every $2,500 in purchases on your card each calendar year
• No foreign transaction fees
• No annual fee

Expedia® Rewards Voyager Card from Citi

• 4x points on eligible Expedia purchases, 2x points at restaurants and on entertainment and 1x points on everything else
• Automatic Gold status
• $100 annual air travel fee credit
• 5,000 bonus points if you spent $10,000 in the prior cardmember year
• $95 annual fee

The information for the Expedia Rewards Voyager and Expedia Rewards Card from Citi has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Battle of the mid-tier hotel cards: Which card outshines the others?

Trip.com Rewards

Trip.com's rewards program, named Trip.com Rewards, is similar to Expedia Rewards and Orbitz Rewards . In particular, you can earn and redeem rewards on flights and hotels. And, you can earn elite status based on your activity within the program.

When you make travel purchases through Trip.com, you can earn points in three ways:

• 25 Trip Coins per $100 spent on flights
• 80 Trip Coins per $100 spent on hotels
• Up to 140 Trip Coins per hotel review

But, as I'll discuss in the next section, members with elite status can earn 10% or 30% bonus Trip Coins.

When you're ready to redeem your Trip Coins, you have options. You can exchange Trip Coins for flight and hotel promo codes, instant savings on hotels and hotel perks. But, if you redeem for instant savings, 100 Trip Coins are worth $1. To use Trip Coins for instant savings, simply select "Save with Trip Coins" during the booking process. However, some bookings may not have this option.

It's unclear how much value can be obtained from Trip Coins when you redeem for promo codes and hotel perks. But, based on the instant savings redemption rate, I wouldn't place too much value in Trip Coins.

Related: Why you might not get housekeeping service during your next hotel stay

There are four membership tiers in the Trip.com Rewards program. And, to advance to higher levels, you must earn tier points by booking flights and hotels. Specifically, you'll earn tier points as follows:

• Flights : Earn 25 tier points for every $100 spent
• Hotels : Earn 80 tier points for every $100 spent

Now, here's what you need to know each membership tier.

Interestingly, membership tiers are adjusted each month based on the tier points you've earned in the last 12 months. As such, it requires a fair bit of spending to reach the Platinum and Diamond tiers in this program.

Additionally, members at higher tiers in the program get additional perks. You can exchange zero Trip Coins for these perks when booking hotels marked with "Trip Coin Benefits":

• Gold members : One free breakfast, room upgrade, late checkout and free cancellation
• Platinum members : Two free breakfasts, room upgrades, late checkouts and free cancellations
• Diamond members : Four free breakfasts, room upgrades, late checkouts and free cancellations

However, you must select perks at the time of booking. Perks are provided on a limited, first-come-first-served basis depending on hotel availability. Especially since the high membership tiers require a lot of spending to reach, I wouldn't put too much value in these perks.

Related: The best credit cards to jumpstart elite status

Earn airline miles with OTAs

Finally, some OTAs allow you to earn airline miles for hotel bookings. Three of these OTAs are Agoda (through its PointsMAX program), Points Hound and RocketMiles .

Some of these programs advertise up to 10,000 airline miles per night in earnings. But, in practice, I've yet to find a good enough value to use any of these programs. However, these OTAs can be a good option if you want to earn more miles in a program you already use. Likewise, you may be able to use these OTAs to generate account activity in little-used programs. And, this activity may allow you to keep your points and miles from expiring .

Related: Using Rocketmiles to earn points and miles on hotel stays

Maximize your OTA booking

When booking through an OTA , you may be able to quadruple-dip on rewards. Specifically, you may be able to earn all of the following:

• OTA rewards
• Online shopping portal rewards
• Credit card rewards on the purchase amount
• Travel provider rewards

However, there are some caveats. You can still earn airline miles when you book through an OTA . But, most hotel loyalty programs won't offer elite earning or benefits on OTA bookings . And, some OTA rewards programs may not provide rewards when you click through an online shopping portal. So, be sure to read the fine print for your OTA and travel provider.

Related: TPG reader question: Which credit card should I use in shopping portals?

Bottom line

Although I regularly used OTAs when I traveled less frequently, now I usually book directly with major airlines and hotels . After all, elite earning and perks matter at hotels now that I live on the road as a digital nomad . And, it's often easier to deal with flight cancellations or changes when you book directly with the airline.

But, I do still use OTAs in some cases. I'll book through an OTA when I stay at a hotel that isn't part of a major hotel loyalty program . And, I'll book flights through an OTA if it offers a much lower price. Plus, I often book through Priceline when I use AutoSlash for cheap car rentals .

Several OTAs offer strong rewards programs. Hotels.com Rewards earns the top spot on my list, but Orbitz Rewards and Booking.com Genius also offer solid value propositions. So, if you decide to book through an OTA, it may be worth using one that provides rewards and perks.

Additional reporting by Nick Ewen.

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The best tour operators in the world: 2023 Readers' Choice Awards

By Condé Nast Traveller

It’s been a challenging few years for tour operators but the names below are in it for the long haul (as well as the short and medium), honing itineraries and managing expectations. So who prepared your travel documents this year? Red Savannah and Black Tomato scored highest for first-hand knowledge, and Exodus Adventure Travels and Abercrombie & Kent for on-the-ground support. But when it came to all-round endeavour, Scott Dunn and The Turquoise Holiday Company were leaders of the pack. Both report a surge of interest in Asia, as well as multi-generational travel, solo adventures to Namibia, Bhutan and Mexico, and authentic experiences such as outback stations in Australia and bear lodges in Canada.

These are the best tour operators in the world, according to the 2023 Readers' Choice Awards . The scores below are percentages representing overall average levels of satisfaction.

The best general tour operators in the world 2023

15. Cox & Kings. Score 88.00

14. Hayes & Jarvis. Score 89.44

13. Carrier. Score 90.73

12. Simpson Travel. Score 91.48

11. Kuoni. Score 92.82

10. Mr & Mrs Smith. Score 93.29

9. Kensington Tours. Score 94.14

8. Audley Travel. Score 94.77

7. Original Travel. Score 95.44

6. Cazenove + Loyd. Score 95.92

5. The Ultimate Travel Company. Score 96.75

4. Abercrombie & Kent. Score 97.12

3. Elegant Resorts. Score 97.39

2. Red Savannah. Score 97.96

• The Turquoise Holiday Company. Score 98.42

The best travel specialists in the world 2023

15. Wild Frontiers. Score 94.81

14. Martin Randall Travel. Score 95.17

13. Intrepid Travel. Score 95.40

12. Wilderness. Score 96.54.

11. Inntravel. Score 96.88

10. Oxford Ski Company. Score 97.15

9. Kirker Holidays. Score 97.47

8. andBeyond. Score 97.61

7. Ampersand Travel. Score 97.65.

6. InsideJapan Tours. Score 97.79

5. Steppes Travel. Score 97.88

4. Black Tomato. Score 98.03

3. Exodus Adventure Travels. Score 98.15

2. Healing Holidays. Score 98.35

• Scott Dunn. Score 98.70

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These are the top 10 countries for travel and tourism

The US retains its prime position in the World Economic Forum's latest Travel & Tourism Development Index. Image:  Unsplash/EveLazco

.chakra .wef-1c7l3mo{-webkit-transition:all 0.15s ease-out;transition:all 0.15s ease-out;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;outline:none;color:inherit;}.chakra .wef-1c7l3mo:hover,.chakra .wef-1c7l3mo[data-hover]{-webkit-text-decoration:underline;text-decoration:underline;}.chakra .wef-1c7l3mo:focus,.chakra .wef-1c7l3mo[data-focus]{box-shadow:0 0 0 3px rgba(168,203,251,0.5);} Charlotte Edmond

.chakra .wef-1nk5u5d{margin-top:16px;margin-bottom:16px;line-height:1.388;color:#2846F8;font-size:1.25rem;}@media screen and (min-width:56.5rem){.chakra .wef-1nk5u5d{font-size:1.125rem;}} Get involved .chakra .wef-9dduvl{margin-top:16px;margin-bottom:16px;line-height:1.388;font-size:1.25rem;}@media screen and (min-width:56.5rem){.chakra .wef-9dduvl{font-size:1.125rem;}} with our crowdsourced digital platform to deliver impact at scale

• Pent-up demand after the pandemic is expected to drive passenger numbers back up to pre-pandemic levels in 2024.
• The recovery of the travel and tourism sector since the pandemic has been uneven, however, and some nations are better placed than others to respond to the challenges and opportunities of the future.
• The top three best-placed countries for travel and tourism are the US, Spain and Japan, according to the World Economic Forum’s Travel & Tourism Development Index.

If you were desperate to get away after the restrictions and enforced staying at home of the pandemic years, you were far from alone.

Global international tourist arrivals are expected to meet pre-pandemic levels in 2024 driven by this pent-up demand. But, the recovery of the travel and tourism sector since the pandemic has not been without challenges. Add to that macroeconomic, geopolitical and environmental factors, which have added pressures on the industry.

These pressures will amplify and evolve over the coming years and, along with the growth of digital technologies and AI, may well force the travel industry to adapt.

Some economies are better placed than others to make these changes, respond to future risks and ensure that travel and tourism is a driver of economic growth and prosperity.

With this in mind, the World Economic Forum’s Travel & Tourism Development Index (TTDI) aims to serve as a benchmark for stakeholders to gauge progress, inform decisions and policies, and encourage sustainable and resilient growth.

A mixed recovery in challenging conditions

Europe dominates the top 10 economies for T&T, as ranked by the 2023 index, although the top spot is clinched by the US.

But the index also shows that while 71 of the 119 economies it ranks improved their scores between 2019 and 2023, the average improvement is just 0.7% above pre-pandemic levels.

On the one hand, the rebound in travel and tourism has coincided with rising global air route capacity and connectivity, improved international openness, and increased investment in natural and cultural resources driving tourism. On the other hand, non-leisure demand is still lagging, there are ongoing labour shortages, and air route capacity and connectivity, capital investment and productivity have struggled to keep pace with demand.

This has created a supply and demand imbalance which, along with inflationary pressures, has led to reduced price competitiveness and service disruptions.

Europe and Asia-Pacific have the most favourable conditions

Of the top 30 TTDI scorers in 2023, 26 are high-income countries. Nineteen of them are based in Europe, and seven in Asia Pacific.

These countries benefit from favourable business environments and labour markets, open travel policies, advanced technology adoption, excellent transport and tourism infrastructure, and rich natural, cultural and non-leisure attractions.

As a result, this group of 30 accounted for more than three-quarters of T&T industry GDP in 2022, and 70% of GDP growth between 2020 and 2022.

But although this group is leading the way, many of the above-average improvements in scores come from low- to upper-middle-income countries, including sub-Saharan and North Africa, Eurasia, South America, South Asia, and the Balkans and Eastern Europe.

While many have shown improvements, these less affluent countries still make up the vast majority of below-average scorers in the index. More investment is needed to help increase their share of the market and improve their readiness for future risks and opportunities.

Progress needed on resilience and equality

The ability of the travel and tourism sector to grow is limited by challenges like tight labour markets, growing fiscal constraints and concerns around health and security conditions. Labour market resilience will be an increasingly important factor for the sector, but issues like equality of job opportunities, workers’ rights and social protection are holding many economies – particularly low- and middle-income ones – back in this area.

As other sectors proceed to decarbonize, the aviation sector could account for a much higher share of global greenhouse gas emissions by mid-century than its 2%-3% share today.

Sustainable aviation fuels (SAF) can reduce the life-cycle carbon footprint of aviation fuel by up to 80%, but they currently make up less than 0.1% of total aviation fuel consumption. Enabling a shift from fossil fuels to SAFs will require a significant increase in production, which is a costly investment.

The Forum’s Clean Skies for Tomorrow (CST) Coalition is a global initiative driving the transition to sustainable aviation fuels as part of the aviation industry’s ambitious efforts to achieve carbon-neutral flying.

The coalition brings together government leaders, climate experts and CEOs from aviation, energy, finance and other sectors who agree on the urgent need to help the aviation industry reach net-zero carbon emissions by 2050.

The coalition aims to advance the commercial scale of viable production of sustainable low-carbon aviation fuels (bio and synthetic) for broad adoption in the industry by 2030. Initiatives include a mechanism for aggregating demand for carbon-neutral flying, a co-investment vehicle and geographically specific value-chain industry blueprints.

Learn more about the Clean Skies for Tomorrow Coalition's impact and contact us to find out how you can get involved.

Another major hurdle for the sector is balancing growth with sustainability. Although there has been broad progress in areas like energy sustainability, some progress – like the fall in emissions seen during the pandemic – is likely to only be temporary.

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License and Republishing

World Economic Forum articles may be republished in accordance with the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International Public License, and in accordance with our Terms of Use.

The views expressed in this article are those of the author alone and not the World Economic Forum.

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7 Best RV Insurance Companies of 2024

Money’s main takeaways.

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums are based on factors like your driving record and RV type, age and condition.
• Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

• Reviewed 15+ companies
• Conducted over 1,000 hours of research
• Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up for Best RV Insurance Agency
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without agent contact
• Discounts on campsites, gear stores, fuel, and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on RVInsurance.com’s Secure Website >>

• Free annual reviews to reevaluate coverage and discounts
• Optional towing coverage includes lodging, transportation and meals
• Various policies available for easy bundling and savings
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment like solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV after a total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan excludes personal property and emergency expenses
• Rates differ based on whether you buy online or through an agent
• Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Includes roadside assistance, hotel discounts and more
• Coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Total windshield replacement deductible is only $50
• Personal effects replacement limits up to $100,000
• Free accident forgiveness after 5+ years
• Offers limited information on its website
• Enhanced RV coverage unavailable in HI, MA, MI and NC
• Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish by $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for trailers, motor homes, luxury coaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Offers storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Multi-vehicle, safe driver and original ownership discounts
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need.

• What does RV insurance not cover?
• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
• Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
• Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
• Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
• Earthquake coverage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn’t cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy’s liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV
• Having a favorable record of insurance losses
• Staying accident-free for at least three years
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
• Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Wonderful World Travel Experience

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About the Business

Wonderful World Travel INC is a Travel Agency that specializes in adventure and famiy tourism and travel. It will provide consulting and custom travel arrangements and packages. Personalized service and competitive prices are part of our commitment to our customers. We believe that we make the difference because passion, faith and our values ​​are the spirit of Wonderful World Travel, in order to achieve a clear, transparent and fulfilling service. Our goal is to make your business travel or your dream vacation a reality. "Small Details, Great Emotions" This is our starting point. The value added of Wonderful World's offering is its knowlodge and expertise, competitive rates, which translates into increased satisfaction for the customer. …

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• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life
• How we review life insurance companies

Best Life Insurance of May 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.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Best life insurance companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best life insurance for customer satisfaction

State farm life insurance.

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review here.

Best life insurance for older adults

Prudential vul protector life insurance.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review here.

Best life insurance for long-term care

Columbus life insurance.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Best life insurance for high returns on income

Allianz life insurance.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Best life insurance for agents

New york life insurance.

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Best life insurance for term life

North american life insurance.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Summary of the best life insurance companies

• Best for customer satisfaction:   State Farm Life Insurance
• Best for older adults:   Prudential Life Insurance
• Best for agent support:   New York Life Insurance
• Best for long-term care:   Columbus Life
• Best for high returns:   Allianz Life
• Best for term life:   North American Company

How to pick the best life insurance policy for you

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Methodology: How we review life insurance companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

• Paul LaPiana , head of product at MassMutual
• Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
• Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

• "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
• Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
• Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
• Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
• A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best life insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

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

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

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Your 2024 Credit Card Checklist for Summer Travel

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Checklists are a key step in travel preparation for many people. Passport — check. Phone charger — check. But have you checked to make sure you’re fully utilizing the travel perks offered by your credit card?

Whether you’re a seasoned jetsetter or a novice traveler seeing the world for the first time, benefits from the right credit card can make a trip more convenient and more comfortable. That’s good news for the 50% of Americans who plan to travel more in 2024 than 2023, according to a survey by IPX1031, a Fidelity National Financial Company.

Here’s a credit card checklist to review before you hit the road this summer.

1. Bring a card

First things first — be sure to bring a credit card! Many airlines, and even entire airports, are now cash-free. That means you’ll need a card to pay for that pre-departure drink or in-flight snack. You might even earn bonus rewards.

For example, if restaurants are a bonus category for your card, sit-down establishments within the airport will usually still earn that higher rewards rate. If your card earns a bonus on travel purchases, you'll usually earn that bonus for in-flight purchases.

2. Register for TSA PreCheck, Global Entry or Clear

Airports are more crowded than ever, with air passenger growth up 6% and foreign travel up 24% year over year, according to a study conducted by the U.S. Travel Association and Tourism Economics.

To ease the burden of long lines, check if your card offers a credit that covers the cost of TSA PreCheck , Global Entry or Clear . These programs allow you to speed through the line at security or customs, but since they all require a background check and an in-person interview, you'll need to register well before your trip. Even if you haven’t been verified for this trip, register today to prepare for your next trip.

3. Register for lounge access

Airport lounges offer a reprieve from the hustle and bustle of the airport terminal, with most offering free food and drinks. If your card offers access to Priority Pass lounges, you’ll need to register for that benefit before you hit the road.

Don’t forget your physical membership card, or even easier, download the Priority Pass app and use your phone to access the lounge.

4. Notify your issuer of your travel plans

Few things can create issues like having your card unexpectedly stop working when you’re away from home, especially internationally. With rates of credit card fraud increasing, it’s possible your card could stop working if you’re spending outside of your normal patterns or locations. To preempt this, notify your issuer before you travel. Often you can do this online or through the app, but just in case, be sure to travel with at least two cards .

5. Avoid paying foreign transaction fees

If you’re traveling abroad, make sure you have a card that doesn’t charge foreign transaction fees . If your card does levy those fees, try to get a different card before you leave the country.

6. Pay with your most rewarding card

Be sure to identify opportunities to leverage your trip and earn outsized rewards. For example, if you know you’ll be staying at a Hilton brand hotel, you might consider applying for one of the Hilton credit cards offered by American Express and earn up to 14 Hilton points per dollar you spend at the hotel. Those points can stack up fast and easily defray costs for your future travel.

But you'll need to bring the physical card with you. Many hotels aren't able to accept digital wallet payments, so if you can't swipe your card, you'll miss out on those heightened rewards.

7. Check your card’s money-saving offers

Many issuers have programs, such as AmEx Offers, Chase Offers and BankAmeriDeals from Bank of America, that let you add rotating promotional offers to your card and earn additional points or cash back for making purchases at specific merchants. Be sure to review these offers for any merchants where you might spend during your travels. Just be aware of the fine print — often these offers exclude, or only include, international merchants.

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