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Best Camera Insurance for Photographers in 2024

Whether you're an amateur or professional photographer, make sure you read this guide to camera insurance providers to ensure you're well covered this year.

Learn | Photography Guides | By Ana Mireles

Whether you’re an amateur or professional photographer, you really need to read this guide to the best camera insurance in 2024.

I doubt you need reminding, but photography is an expensive hobby! Camera equipment insurance is a must, whether you’re running a business or just shooting casually.

If you’ve ever wondered how much it costs to insure a camera or whether cameras are covered by home insurance, we’ll be answering all these common questions and more in this guide.

First, we’ll take a closer look at some of the best photographers’ insurance options in the UK, US and Canada for camera equipment and liabilities.

After that, we’ll tackle some FAQs on camera insurance, in general, to make sure you’re well-informed to make the right decision.

Let’s dive into the recommendations.

Table of Contents

6 Best Camera Insurance Providers in 2024

1. full frame insurance.

Full Frame Insurance

Full Frame specializes in small business insurance, with scalable coverage options designed uniquely to the needs of photographers and videographers in the USA. They offer amazing insurance for cameras and other photography equipment.

Operating in 44 states, Full Frame provides photographers and videographers with an easy, hassle-free quote process completely online and free of brokers.

Full Frame understands that a photographer’s equipment is priceless. That is why they offer equipment coverage such as camera insurance that can help replace or repair your equipment if it is damaged or stolen.

In addition, Full Frame offers errors and omissions coverage, general liability, damage to rented premises coverage, professional liability, and more.

Since each photography business has different needs, Full Frame offers three different policy plans: Annual Plus, Annual, and Event.

Annual Plus starts out at just $184 per year and includes up to $2M in general liability coverage, multiple camera insurance options, additional policy options for added coverage, and $30 for unlimited additional insureds.

The Annual policy starts out at just $129 per year. This policy includes up to $2M in general liability coverage, additional policy options for added coverage, and $30 for unlimited additional insureds.

The Event policy starts at just $59 and provides coverage for up to three days. This is a perfect option if you’re a photographer looking to protect your business at an event. This policy includes up to $2M in general liability coverage and unlimited additional insureds.

With a strong attention to detail and a deep commitment to our photographers, Full Frame will make sure your business gets the coverage it deserves.

2. Eversure


Photographic gear can be expensive regardless of your field or your level of expertise. Insuring a camera is a must. Whether your camera falls and breaks in the middle of a photoshoot, or you get robbed on your holiday trip – you’d want to have your equipment covered with an adequate camera insurance policy.

Eversure is an excellency-awarded insurance company that offers customizable coverage for amateur and professionals alike from as little as £19.99. (At this time, their services are available only for UK residents.)

The camera insurance protects all your photography equipment if it’s stolen, lost or sufferers any accidental damage. To offer better coverage, you can customize the benefits of your policy to fit your needs – and of course, your budget.

If you often travel with your gear – regardless if it’s for a job or pleasure – you can opt for worldwide coverage. You can choose the maximum duration of the trip from 30, 60, 90 or 120 days. Then, you’ll have unlimited trips included in your photography insurance plan.

You can also opt-in or out on accidental loss and theft from the vehicle. Depending on what type of gear you work with, you can include hired equipment, drones, mobiles and tablets.

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However, not all unfortunate incidents happen while you’re on the go, that’s why you can also include studio coverage in your policy.

If you’re a professional photographer, you’ll need to protect other aspects of your business. Eversure has your back with this too – as you can also buy photography business insurance that covers public liability, professional indemnity, employer’s liability and legal expenses.

Last but not least, you can get coverage for your portfolio , which covers the cost of any prints, canvases, laminates and bindings with your work. This is not a small matter if you consider the costs of fine art printing.

Keep in mind that policies are issued on an annual basis – they don’t offer short-term policies. If you wish to cancel your premium before its due date, you’ll be charged a £10.00 fee. There’s also a £10.00 fee if you want to add or remove equipment from your policy.

If the worst were to happen, all you need to do is fill in the online claim form with all the details of the incident and what got lost, robbed or damaged.


Aaduki is an insurance broker with over 20 years of experience that specializes in photographers and videomakers. As such, they offer expert advice as to what you need to cover and why.

This comes in especially handy if you’re starting in the business and you are unsure about your liabilities.

They offer premiums for amateurs and professionals, starting at £65. If you are an SWPP member or a trade association looking for additional benefits for your members – you can get exclusive terms.

The photography insurance covers all of your equipment (owned and hired), portfolio, props, sets, stock materials, business property and money, etc. The camera insurance policy doesn’t cover mobile phones or drones, though.

The international insurance coverage is optional and can be customizable. To limit the premium cost, you can ensure only certain parts of your photography gear or hire it just for a specific location.

It also covers your gross income for business interruption and offers risk management and legal advice from Stallard Kane. If you also hire public liability insurance, you can opt-in for employers’ liability and product liability insurance policy coverage.

If you’re a professional photographer, you can also benefit from professional indemnity to cover you from claims that come from mistakes or negligence in your work.

The customer service promises no call centres – you can talk directly to a representative from their photography team. This human approach is certainly appreciated when you have a complaint or need expert advice.

Keep in mind that they only offer annual policies, so you can’t hire temporary insurance unless it’s for photography and videography equipment you hire temporarily – then you can get camera insurance for the period of hire.

This insurance coverage is only available for UK-based photographers.

4. The Insurance Emporium

The Insurance Emporium

The Insurance Emporium is a UK-based award-winning company that takes care of all your passions and adventures with specialized insurance. Amongst these, you’ll find camera insurance that covers well beyond your camera.

You’ll start by choosing your category: amateur & semi-professional, or professional. From there, you can add and tweak the policies to better fit your needs.

The amateur photography insurance policy covers up to £25,000 of photographic equipment. It includes coverage for loss or theft – even from unattended vehicles, accidental damages, worldwide cover, data recovery, replacement hire, public liability and personal accidents. It is good insurance for a camera when starting out.

The professional photography insurance policy covers up to £50,000 and includes coverage for props, portfolio damage, professional indemnity and business interruption – on top of the benefits listed in the amateur policy.

You can further customize your premium by including elective benefits for gear that otherwise wouldn’t be included. For example, you can choose to ensure gadgets and smartphones, helmets and action cameras or waterproof photographic equipment.

You can also extend some of the basic coverage. This is an option for the new for old, with worldwide coverage, public liability and professional indemnity benefits.

Finally, you can add portfolio damages to your amateur policy or associate liability to the professional policy. Also, you can opt-in for a premium waiver and legal helpline with both amateur and professional policies.

The prices start from £1.46 per lunar month (28 days). There is an introductory discount of 25% that applies for the first year of premium – regardless of whether you pay monthly or yearly.

They also plan to introduce a Loyalty Scheme to reward long-term customers, but that was not yet active when this article is written.

To make a claim, you simply fill out an online form to provide the details and required documentation. If your claim is successful, the payment is made via BACS transfer or cheque.

5. Hill & Usher

Hill & Usher

Hill & Usher is a photography insurance company based in the US. They offer Package Choice (TM) a policy designed specifically for professional photographers that bundle property and liability coverage in one premium to protect your business comprehensively. They are one of the best insurance for photographers.

The premium protects your photographic equipment even in transit or on location within the US and Canada. If you’re travelling to other locations, you can extend your premium for international coverage. The deductible fee ranges from $250 to $1000 according to the specific policy. You can also ensure rented or leased equipment.

The inside of your studio is also covered. This includes computers, printers, furniture, dark-room equipment, supplies, etc. And tenant improvements if the studio is a rental.

In case of property loss, the Business Income Interruption & Extra Expense insurance will reimburse you for the income lost for up to 12 months and pay for any extra expenses made to get your business back to running as usual.

Also included in the package is the Errors and Omissions insurance which covers you in the event of any lawsuit or challenge to your professionalism. This means that you’ll get financial support from lawyers, expert witnesses, court fees, etc., with no deductible. The coverage extends even if you close your business and cancel your photography insurance policy at no extra cost.

This standard policy starts from $500 per year – it can be paid in instalments. If you don’t need the standard package, you can buy one for ‘equipment only’ policies for $300.

You can further customize your package by adding coverage extensions such as insurance for personal effects or money & security.

You have to be a US-based professional photographer or videographer to hire this service. However, there are no restrictions regarding your field of expertise – including remotely operated aerial photography.

For further transparency, they have a Claim Overview with some real-life cases. For example, for images lost due to the hard drive crashing, they paid the policyholder $6,688 in 2005.

For equipment lost in a fire in 2006, they paid $43,751. You can find a broader list (although not very updated) on their website.

6. Professional Photographers of America

Professional Photographers of America

Professional Photographers of America is a non-profit trade association that offers photographer insurance. With your membership, you become eligible to get their insurance. The partner insurance company is Lockton Affinity.

With your membership, you get the Photography Equipment Insurance and Indemnity Insurance Trust are included with your membership. Instead, General Liability insurance is available to buy at extra cost.

The membership cost ranges from $15.17 to $27.92, depending on the level of benefits and your location. Despite the name – which might cause you to think it’s available for US-based photographers – it’s possible to join from anywhere in the world.

The basic Camera Equipment Insurance included in the membership covers up to $15,000 worth of camera gear. If you need extra coverage, you can buy a more comprehensive policy from Lockton Affinity at a discounted rate.

Another difference between the included premium and the upgraded one is the deductible fee. The upgraded version has a fixed fee of $250 while the regular one increases with every claim within a 12 month period.

Both of them protect your photography gear on location and worldwide including computer hardware. As for the cases covered for theft – the basic premium doesn’t comprise theft from an unlocked vehicle or mysterious disappearances. Keep in mind that the insurance covers only the PPA member and not their studios.

As for the Indemnity Insurance Trust, you’ll get assistance in case of customer complaints. It covers general customer discontent, missed shots or data loss.

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The General Liability Insurance – whether you choose to buy it – covers you from damages caused to clients and properties from which you can be held responsible. If you’re a PPA member, it costs $225 per year.

Insurance for Professional Photographers – What you Need


Credit: Julius Drost

If you’re becoming a professional photographer , it’s important to insure your photography equipment, but more importantly, you also need business insurance.

Make sure you consult with an insurance agent to ensure you have all the protection necessary to operate as a professional in your region. You should also be sure that any photography contract you use is checked over by a lawyer.

Here are some of the main things you to consider as part of your photography insurance protection in 2024:

  • Equipment Insurance

This covers all of your property – the studio set and props, lighting and camera gear, etc. It usually refers to accidental damage, loss or theft. You should also check if it covers you locally or worldwide.

  • General Liability Insurance

You need general liability insurance in case you’re responsible if a third person gets hurt or you damage public or private property.

  • Indemnity Insurance

This is what you need if you (or your business) get sued. Indemnity insurance will cover the legal expenses for your defence.

  • Employer’s Insurance

Photography is often a team effort. If you have an assistant or any other employees on your payroll, you need the employer’s insurance if they get hurt on the job.

  • Income Protection Insurance

Most photographers work freelance, which means that they don’t have an employer to offer welfare benefits. Having income protection insurance can protect a percentage of your gross salary in case of illness or injury.

Camera Equipment Insurance FAQs

How much does it cost to insure a camera?

It depends on where you live, the type and value of your camera, and the level of insurance protection. It can range from $150 to $450.

Are cameras covered by home insurance?

Most home insurances do cover cameras up to a certain amount. However, cameras are often excluded if they are used for business and professional activities. You should check your policy or ask your broker for more information.

What does USAA VPP cover?

It covers items valued at $100 or more. Amongst this Valuable Personal Property (VPP) there’s jewellery, guns, cameras, fine art, musical instruments, furs and silverware.

Final Words

All photography lovers and beginner photographers like to think about the beauty of making a living from your passion.

Unfortunately, not everything is fun and creative, and it’s important to be prepared so that you don’t lose what you work so hard to build – that’s what insurances are for.

Hopefully, this guide gave you enough information to get the coverage you need at a price you can afford.

Unfortunately, we weren’t able to list all the best camera insurance options for every country in this article, so if you have any suggestions, please share them in the comments section below.


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Ana Mireles is a Mexican researcher that specializes in photography and communications for the arts and culture sector.

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Travel Photography Insurance (Finding Providers and Claiming)

Table of Contents

Traveling the world and capturing its beauty through a lens is an exciting endeavor for photographers. However, it’s not without risks . The possibility of damaging or losing valuable camera gear can have significant financial implications. That’s where travel photography insurance comes into play.

Unlike regular travel insurance, it offers specific coverage to safeguard your equipment against various risk factors associated with international traveling.

Whether it’s public liability or event policy, understanding different types of coverage available can help photographers protect their investment and focus on what they do best – creating stunning photos.

a printed insurance beside a person typing on laptop

Evaluating Camera Equipment Worth

The worth of your camera gear is a crucial factor to consider when purchasing travel photography insurance. It’s not just about what you paid for it, but also how the market values it today .

camera equipment

Understanding Current Market Value

When we talk about the cost of your camera equipment, we’re referring to its current market value. This is what someone would be willing to pay for your gear in its present condition. You can check online platforms like eBay or Amazon for similar used items to get an idea.

  • For instance, if you bought a DSLR camera five years ago for $1000 and similar used models are now selling for $500, that’s your current market value.

Considering Depreciation and Wear and Tear

Just like cars or laptops, camera equipment also depreciates over time. The more you use it, the less it’s worth – that’s wear and tear.

  • A lens that has been heavily used on multiple trips might have lost half of its original value.
  • Even if it’s still working perfectly, tiny scratches or dents can reduce its resale price significantly.

Importance of Keeping Receipts

Keeping receipts and documentation for all your gear is vital. These papers serve as proof of purchase date and price which help in estimating the current value.

  • If you’ve got a high-end tripod that cost a pretty penny but lost the receipt, proving its initial cost might be challenging.
  • Without proper documentation, getting full reimbursement from insurance companies could be tricky.

tax charity donation receipt

Role of Professional Appraisals

Sometimes it’s best to seek professional help when determining the worth of your gear. Camera shops or appraisal services can provide accurate evaluations based on model, condition and market trends.

  • A professional appraiser might evaluate a vintage film camera at a higher-than-expected rate due to increased demand among collectors.

Impact of Unique or Rare Items

Unique or rare items can greatly impact the total value of your equipment. Limited edition models or vintage pieces often have higher market values due to their rarity.

  • A limited-edition Leica camera might fetch a much higher price than a regular model, increasing your overall gear worth.

Effect of Frequent Upgrades

Frequent upgrades can also affect the overall worth. Newer models usually depreciate slower than older ones.

  • If you upgrade your camera body every two years, its resale value will likely be higher compared to keeping the same body for five years.

Insuring Your Camera Equipment for Travel

Travel photography is a thrilling adventure. But, it’s vital to have the right insurance cover when you travel with photography gear .

camera set equipment with bagpack

Global vs Regional Coverage Policies

When choosing between global and regional coverage policies, consider where you’ll be shooting. If you’re a globetrotter, worldwide coverage is best. This type of policy covers your photographic equipment in any corner of the world. On the other hand, regional policies are cheaper but only cover specific areas.

Understanding Policy Exclusions

Policy exclusions can be tricky. For instance, some policies won’t cover theft without forced entry. That means if your camera gear gets stolen while it’s not locked up, you may not get compensated. Always read the fine print to understand what’s covered and what’s not.

Accidental Damage Coverages

Accidents happen! Drops or spills can damage your precious photography gear. That’s why accidental damage coverage is crucial in a camera insurance policy. It ensures that even if you accidentally drop your camera or spill something on it, you’re still covered.

insurance policy

Insuring Rented or Borrowed Equipment

Sometimes, we rent or borrow equipment during travels. Good news – there are options for insuring these too! Some insurance providers offer temporary coverage for rented or borrowed equipment.

Updating Policy with New Gear Purchases

Got yourself new gear while traveling? Remember to update your policy immediately! If anything happens before updating the policy, your new equipment might not be covered.

Checking Home Insurance Coverage

Before buying travel photography insurance, check if your home insurance covers camera gear abroad. Some home insurances do offer such extensions as part of their package.

discussing home insurance coverage

Comparing Top-Rated Camera Insurance Providers

Key factors to consider.

When shopping for camera insurance options, several factors come into play. The cost of the premium is a biggie.

Next up is coverage options. Do they cover loss, theft or damage? You’ll want to know what you’re getting before you fork out your hard-earned cash.

The claim process is another critical factor. If something goes wrong, how easy will it be to get your money?

Lastly, customer reviews can give you a sneak peek into what it’s like dealing with these providers.

Specialized vs General Insurers

Specialized photography insurers are all about cameras and gear. They understand photographers and their needs better than anyone else.

On the other hand, general insurers offer camera coverages as part of their broader portfolio. They might not have the same level of expertise but they often have more resources at their disposal.

The best option depends on your specific needs and circumstances.

an agent discussing the coverage of the insurance

Multi-Item vs Single-Item Policies

Multi-item policies cover all your gear under one policy. It’s convenient and often cheaper if you have a lot of stuff to insure.

Single-item policies let you insure each piece separately. It gives you more flexibility but can be more expensive in the long run.

Weigh the pros and cons carefully before making a decision.

Short-Term vs Long-Term Policies

Some providers offer short-term policies based on travel duration needs while others only offer long-term ones.

If you travel frequently for short periods, short-term policies might be more cost-effective for you.

On the flip side, if your travels are few but long, long-term policies could save you some bucks.

Business Interruption Compensation

For professionals whose work is affected by loss/damage/theft incidents while traveling, some providers offer business interruption compensation.

It’s like an income protection insurance that kicks in when things go south. It’s a great option to have if you depend on your camera for your livelihood.

compensation discussion for insurance claim

Spotlight on Notable Insurance Providers

Today, we’re shining a light on some top-rated insurance companies. We’ll explore their offerings, reputation, and customer experiences.

Key Features of Top-Rated Providers

Many insurance companies offer worldwide. For instance, World Nomads is renowned for its extensive insurance coverage. They’ve got your back whether you’re snapping photos in your backyard or halfway across the globe.

Another company making waves in the travel insurance industry is Saftey Wing .

User-Friendliness of Online Platforms

In today’s digital age, a user-friendly online platform is essential. Both World Nomads and Safety Wing have intuitive platforms that make policy management and claims filing a breeze.

You can easily tweak your coverage, add additional policy options, or file a claim with just a few clicks. This ease of use can save you precious time when you need to get back to capturing stunning images quickly.

bank financing application for easy access

Understanding the Claim Process

Travel photography insurance is a must-have for any globetrotting shutterbug. But, what happens when you need to make a claim? Let’s break it down.

understanding the claim process of insurance

Immediate Steps After an Incident

So, your camera got nicked while you were capturing the sunset in Santorini. Bummer! First things first, report the theft to local authorities.

  • Get a police report ASAP.
  • Try to provide as much detail about the incident as possible.
  • Remember, this isn’t just about getting your gear back; it’s also crucial for your insurance claim process.

Necessary Documentation for a Successful Claim

You’re gonna need more than just your word to get that claim approved. Here’s what you should have on hand:

  • The aforementioned police report (you did file one, right?)
  • Receipts or proof of purchase for your stolen gear
  • Photos of the scene (if possible)

These documents will help strengthen your case and speed up the claims process.

Typical Timeframes for Claim Processing and Payout

Now comes the waiting game. How long does it take for an insurance company to process a claim? Well, it can vary.

In most cases, expect anywhere from two weeks to a couple of months before you see any dough. It’s not ideal but hey, patience is virtue!

Reasons Why Claims Might Be Denied

Don’t get too comfy yet — there are reasons why an insurer might deny your claim:

  • You didn’t provide enough evidence.
  • Your policy doesn’t cover what happened.
  • There was negligence on your part (like leaving that expensive lens unattended).

It sucks but these are legit reasons in their book.

thumbs down for denied insurance claim

Honesty is Key When Describing Incidents

Last but definitely not least: honesty is key when filing claims. Don’t think about jazzing up that incident report or leaving out details that might seem unimportant.

  • Lying or exaggerating could lead to your policy getting cancelled.
  • Even worse, it could land you in hot water legally.

Always remember: Honesty is the best policy when dealing with insurance claims.

Importance of Photography Insurance

Having evaluated the worth of your camera equipment, understood the process of insuring it for travel, and compared top-rated providers, it’s clear that photography insurance is a critical investment. The spotlight on notable insurers and insight into the claim process further underscores its importance. Not only does it provide financial protection against loss or damage but also peace of mind when traveling.

Photography insurance is not just an afterthought; it’s an essential part of your travel photography business journey. Therefore, don’t wait until you’re faced with a mishap to consider getting insured. Act now! Review your options carefully and choose an insurance provider that best suits your needs.

Travel Photography Insurance FAQs

When selecting an insurance provider for your camera, consider their coverage scope, premium rates, claim process ease, customer service quality, and reputation in the market.

Yes. Most top-rated insurance providers offer worldwide coverage for your camera equipment. However, terms may vary depending on the policy and provider.

You can determine your camera equipment’s value by considering its purchase price, current market value, condition (new or used), and any additional accessories included.

Coverage depends on the specific policy chosen. While some policies cover accidental damage or theft others might not include natural disasters or wear-and-tear damages.

Typically, you will need to contact your insurer as soon as possible after noticing damage or loss. You’ll be asked to provide details about what happened along with supporting documents such as receipts or police reports if applicable.

Charlie Gardiner

I’m a professional travel photographer, and I’ve been living the digital nomad lifestyle since 2016. I make money by working on client assignments, selling stock photography and helping other photographers by sharing my experiences on this website. I move around at my own pace (I hate fast-paced travel) and like to spend a few months getting to know each place I base myself in.

My writing and photos have been featured on industry leading websites such as Digital Photography School , Atlas Obscura and the world’s leading underwater photography resource The Underwater Photography Guide . I authored an eBook called “ Breaking Into Travel Photography: The complete guide to carving out a career in travel photography ” that has been published on Amazon. My stock images have also appeared in ads promoting destinations and companies that sometimes has been a surprise, even to me. But I guess that’s the nature of stock photography, you never know who will license them!

I’m always happy to connect, so feel free to reach out!

Camera Insurance

Help protect what captures lasting memories..

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Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

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The best camera insurance for photographers: cover your kit!

Your camera equipment deserves proper cover, but who provides the best camera insurance in 2023?

Ripe Insurance: best camera insurance

We all want the best camera – so surely we need the best camera insurance to go along with it. After all, we sink serious cash into our photographic kit, and if the worst happens and it gets lost, accidentally damaged, or even stolen, you want the proper protection in place.

Public liability insurance is also necessary for some photographers, covering you in the case of a member of the public (or client) getting injured or their property damaged as a result of your photography. This type of insurance is wise for wedding, portrait and event pros, or those running workshops in a public space.

Setting up a camera insurance policy is sensible if you're running a photography business, but really, it's a good idea for anyone who has invested money in the best cameras , lenses, lighting equipment and other pricey accessories.

Just think of all the camera accessories in your setup, from flashguns and tripods to microphones and ND filters … not to mention the glass! Telephoto lenses , portrait lenses , quirky Lensbaby lenses – you can easily end up with a collection of optics that are worth more than your actual camera.

And if you photograph weddings , shoot live music , or cover any other events where you'll be mixing with large groups of people, you may well find that your general household insurance might not cover these situations.

The best camera insurance in 2023

Why you can trust Digital Camera World Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out how we test.

The question is, whatever the particular insurance premium may cost, is the alternative – no insurance – something that you can really afford?

We've looked at the insurance companies that specialise in dealing with photographers on a daily basis. Here are the candidates that provide the best camera insurance options for UK photographers in 2023…

best camera insurance

1. Ripe photography insurance

Bespoke insurance for cameras, photographers and videographers  

Ripe understands that no two photographers are the same – and neither are two bags of kit. That's why it offers bespoke camera insurance that features worldwide coverage for traveling, cover against theft from your home or an unattended vehicle, as well as accidental damage both at home and while away. 

Beyond just cameras, though, Ripe also offers broader photography insurance , with equipment cover for lenses, stands, tripods, cases and other accessories, as well as coverage for portable and studio equipment, as well as offering Public Liability cover – and there's also an option to add cover for your phones and tablets if they're part of your photography workflow. 

There's even dedicated consideration given to videographer insurance cover , too, so vloggers and cinematographers alike can tailor-make a policy to suit their specific needs. On top of all that, Ripe also has one of the most intuitive and helpful websites out there – including a special page that prompts you to double-check everything in your kit bag! Coverage starts from just £5.09 per month, and right now there's 20% off all policies.

Photoguard insurance: best camera insurance

2. Photoguard

£50 excess makes Photoguard stand out among rivals

Photoguard is a specialist when it comes to protecting your photographic equipment that might not otherwise be covered by your regular household insurance. It also makes the point that if you’re using the camera as a professional photographer, you may not be able to claim on your home insurance. A major advantage with Photoguard is that it has a claims excess of just £50 and can cover you for travel both in the UK and abroad. 

Like others here, there are a couple of policies to choose from to speed up the application process, with the Select policy, covering a equipment to a maximum value of £25,000, and the Pro policy boosting this to £50,000 (and still with the same low £50 excess fee). The Pro policy also extends to covering 'associates' – which it classifies as fellow photographers or assistants who work with you – against claims by third parties. Potentially very useful, not to mention cost saving. 

Towergate insurance

3. Towergate insurance (Camerasure)

All-risks cover for professional photographers and videographers

Of greater value perhaps to the all-jobbing professional than the strictly amateur – though it does offer a ‘semi pro’ option for enthusiasts – Towergate’s Camerasure insurance products are pitched primarily at freelance photographers and videographers, as well as those performing similar roles within multimedia institutions (translation: photo labs, picture libraries and media agencies). 

Notably, as well as protecting your photographic equipment, it can also cover computer breakdown and data loss – equally crucial in this digital age – and any such damage/loss resulting in the need for a reshoot. If you’re travelling abroad for a shoot and can’t stash all your camera gear in your hand luggage, you'll be pleased to know it also covers damage to kit stored in the aircraft hold. 

Cover also extends to potential legal liabilities to customers, employees and the general public, as one would expect of a pro policy. Another advantage is that Towergate Camerasure partners with a number of professional bodies – The RPS , for example – to give its members up to 40% discount off premiums, subject to certain criteria.

Aaduki multimedia insurance: best camera insurance

4. Aaduki multimedia insurance

Specialist insurance that includes equipment cover and liability insurances

As everyone’s requirements will be different, you may find a ‘tailor-made’ policy is best. Dealing with the photo trade for the past 12 years, and catering to both amateurs and professionals, that’s exactly what Aaduki offers, using a panel of insurers rather than just one. 

This also means that the terms and conditions will vary from policy to policy and customer to customer; however, it also means that if one insurer is quoting too high for your liking, it can approach an alternative on your behalf who may be able to provide a more competitive premium or better terms. 

In terms of coverage, peace of mind is offered by the fact Aaduki ’s policies are universal ‘all risks’, meaning you’re covered fully for theft, accidental damage and accidental loss. If holidaying, customers can also include 60 days of worldwide cover or unlimited worldwide cover. 

Instead of dealing with call centres abroad, customers can also source quotes direct from experts based in its UK office. Furthermore, members of the photography trade body, The Societies , get a discount. 

Infocus insurance

5. Infocus photography insurance

Comprehensive insurance protection for photographers

Infocus offers insurance protection for both photographers and video makers, helping protect your business and enable it to quickly recover from any catastrophes. With its policies underwritten by Hiscox Insurance, there's the ability to pay in interest-free installments, while worldwide cover is also offered for photographic equipment. Interestingly, the company says it can also provide PR help if you ever need crisis containment. 

To make sure applications are quick and easy, there are two levels of off-the-peg insurance policies offered to photographers and videographers, namely Basic and Standard. Priced at £199 and £299 per year respectively, they cover equipment to the value of £5,000 or £10,000, as required. 

Both of these policies provide professional indemnity, which enables you to pay compensation to a third party who brings a claim for professional negligence, as well as public liability to cover you against injury or loss to third parties and their property, in addition to crisis containment insurance. Alternatively, you can create your own bespoke policy by using its website, or by calling its UK team direct to discuss. 

camera travel insurance

5. Eversure Insurance

At the affordable end of the spectrum, with cover from just £19.99

Featuring theft and accidental damage as standard, Eversure's photography insurance is Feefo Platinum-rated and offers an impressive range of cover at a competitive price. 

Underwritten by Ageas, this cover suits amateur and professional photographers alike, with accidental damage and theft cover as standard, and optional cover including up to £10 million worth of public liability, employer’s liability and worldwide cover. Eversure insurance will provide peace of mind to any photographer. 

There's a range of cover levels, and it's easy to get a quote on the Eversure website. If your camera gear does get damaged or stolen, Eversure will pay out for its replacement or replace it with new kit at its original value when bought.

Based in Guildford, Surrey, Eversure says its team is on hand to answer queries during normal working hours, with policy amendments being able to be made either via phone or email.

PhotoShield insurance

6. PhotoShield

Photography and videography insurance for pros and semi-professionals

PhotoShield offers three standard tiers from £99 to £299, plus a Bespoke option, giving those who derive their income from photography some scalability in their coverage. Going Bespoke gives you the flexibility to accommodate non-standard cover, as well as options like employers' liability and studio/contents cover. 

The £299 Option 3 comprises worldwide photographic equipment coverage of £10,000, worldwide laptop coverage of £1,500, static computers/equipment cover of £3,500, business interruption of £250,000, professional indemnity of £100,000, public liability of £2,000,000 and more. 

Your kit is also covered in unattended vehicles (subject to being stored out of site) and in aircraft holds (provided it is stored in a Peli Case). PhotoShield replaces kit on a new-for-old basis across all its policies and is underwritten by Liverpool Victoria Insurance (LV=) in the UK, and Gable Insurance in Eire.

The Insurance Emporium

7. The Insurance Emporium

Tweakable insurance from £1.70 per month, with a 25% introductory discount

The Insurance Emporium has two comprehensive base policies, to which you can add elective benefits. Amateur and Semi-Professional policies are for photographers who earn less than 50% of their income from photography, with less than £25k of equipment; Professional policies are for those who earn more and own up to £50k of equipment. 

Amateur & Semi-Professional policies include theft, loss or accidental damage, new for old, unattended vehicle, worldwide cover, replacement hire, data recovery, public liability and personal accident coverage. Professional policies also feature accidental portfolio damage, props, professional indemnity and business interruption. 

The Insurance Emporium 's elective benefits include the addition of gadgets and mobile phones, sports and action cameras, waterproof photographic equipment and other useful options. 

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With over a decade of photographic experience, Louise arms Digital Camera World with a wealth of knowledge on photographic technique and know-how – something at which she is so adept that she's delivered workshops for the likes of ITV and Sue Ryder. Louise also brings years of experience as both a web and print journalist, having served as features editor for Practical Photography magazine and contributing photography tutorials and camera analysis to titles including Digital Camera Magazine and   Digital Photographer . Louise currently shoots with the Fujifilm X-T200 and the Nikon D800, capturing self-portraits and still life images, and is DCW's ecommerce editor, meaning that she knows good camera, lens and laptop deals when she sees them.

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Camera Equipment Travel Insurance

Last Updated: May 6, 2011 October 11, 2023

Question from jorphotography on Twitter

jorphotography: Any recommendations for #TravelInsurance to #Thailand that includes #camera gear? #photography #insurance

Squaremouth’s Response

Most travel insurance policies provide coverage for cameras and related equipment, however, most policies have a specific limit on how much will be reimbursed for those items.

CSA Travel Protection and HTH Worldwide are two travel insurance providers that do not have a specific item limit for cameras. Protection is available through the Baggage and Personal Items Loss benefit and provides the following amount of coverage:

CSA Custom Comprehensive – $1,000 per person CSA Custom Luxe Comprehensive – $1,500 per person HTH Worldwide Trip Protector – $1,000 per person HTH Worldwide Trip Protector Preferred – $1,500 per person

Travelers should also check with their credit card provider to see if any travel protection is available. Also, homeowners insurance and individual item insurance might a be a good choice.

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Does Travel Insurance Cover Cameras and Electronic Devices?

  • May 16, 2013
  • Travel Insurance Topics


I recently corresponded with a man in the middle of a round-the-world trip who was mulling these issues over. He had taken an expensive camera and lenses as well as a laptop and some other personal electronics along with him, realized that he would be visiting some “not-so-safe” countries, thought that it might make sense to insure these possessions (which he valued at many thousands of dollars), and asked if he could purchase suitable travel insurance.

Unfortunately, there was no simple solution to his request. For example, very few travel insurance policies cover cameras, camera lenses, or personal electronics. And the ones that do generally limit coverage to $500, much less than what this man needed.

One solution we suggested was to purchase annual coverage for these kinds of possessions. At, for example, we have a relationship with Worth Ave Group, a company that specializes providing this kind of insurance for cameras, camera-related equipment such as lenses, computers, smart phones, tablets, and other personal electronic devices.

The Worth Ave plans cover these items for loss from damage or theft regardless of where you are—at home or on the other side of the world. They even cover damage that may occur if a camera or other device falls into water, which often happens on trips.

But, if you decide to purchase coverage for your camera and/or other electronic devices, here are a couple of important points to keep in mind.

First, while travel insurance policies are often fairly inclusive—offering coverage for a number of things in a single policy— insuring cameras and electronics devices requires taking out a separate policy for each item . Also, the camera insurance covers only the camera itself and the lenses that come with it. Additional lenses are listed on their own separate camera policies.

And second, if you insure any of these items and then need to make a claim, you must—if you want the claim to be paid—present a copy of your original sales receipt for, and the serial number of, each item. This means, of course, that every time you purchase a camera or electronic device you want to insure you must keep track of these items too.

Needless to say, if you are already on your trip—as this man was—and you may not have saved all the sales receipts for these various purchases, then there is really little you can do.

So, if you are concerned about covering items such as these, it’s absolutely necessary to save sales receipts, keep track of serial numbers, and look into coverage before heading out on your trip.

  For more information on these plans, we encourage you to check out this link.

  And, if you find this all a bit overwhelming, we don’t blame you. We did at first, too. But, if you want to talk to real people who understand your choices in this area and are committed to helping you find the solution that’s right for you, just contact us at 1-877-219-8169 or [email protected] . As always, we’re happy to help!

Dan Skilken

Dan Skilken

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Camera Insurance for Travel: How to Insure My Camera on the Go

Dustin Lemick

Dustin Lemick

April 1st, 2023

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Whether you’re just traveling with your camera gear for a long-awaited vacation, work, or your photography business, you’ll want to make sure your photography and videography equipment is covered in the event of loss, damage, or theft.     

Here’s everything you need to know about camera insurance for travel . 

Keep Reading to Find Out

What You Will Learn

How to insure a camera for travel, will my existing business insurance cover traveling with camera equipment, going beyond equipment insurance, camera insurance for travel faqs, make sure you're covered while you travel.

If you’re shopping around for camera equipment insurance ahead of an upcoming trip — whether business or leisure — you’ll have two options:

  • Camera insurance
  • Travel insurance

The first will cover your camera gear specifically, while the second will cover you in travel-related situations in general. Which is right for you? Here’s what to consider. 

When to buy a camera insurance policy for travel

If you’re specifically worried about potential damage to your camera gear , a camera insurance policy can keep your gear protected (or at least refund you in case of an issue). 

Camera insurance protects you in the event of

  • Damage to your gear, either during your trip or during transit
  • Theft of your gear

However, a camera insurance policy won’t just protect you during your trip. It’ll save you when you’re at home as well, making this a smart purchase if you frequently use your camera on shoots or outside the home (where a homeowners or renters insurance policy won’t cover you, as it may for other electronics, like laptops ). 

That said, if you have an existing camera insurance policy , don’t just assume you’re good to hit the road and will be covered under any circumstances. Before purchasing camera insurance for travel , or relying on an existing policy for travel coverage, check a few things. For the best protection, your policy should cover you:

  • During travel, in general
  • In the destination where you’re traveling (not all policies cover travel to all countries)
  • If an airline loses your gear 

Also, check out your policy’s requirements for filing a claim related to incidents that occur while traveling. You may be required to show proof, for example, that you filed a theft report with the police in your destination if you want to file a claim for camera theft. Or, you may find that your policy doesn’t cover you if your gear is confiscated by airport security. 

When to buy travel insurance for camera equipment

In addition to purchasing camera insurance that will protect you while you travel, you can also buy travel insurance that will protect your camera gear . This is a good option if you already have existing photography equipment insurance that doesn’t cover you while you travel or if there’s any other reason you don’t need broader coverage at home.

Again, though, just like you don’t want to blindly trust an existing camera insurance policy to cover you while you travel, you don’t want to blindly trust a current travel insurance policy to protect your camera gear . 

Before using an existing travel insurance policy or buying a new one with your camera equipment in mind, check to see that the insurance company will:

  • Cover your gear’s total value (for example, some policies might only reimburse you up to $1,000 if your camera is stolen, but professional photographers will tell you that most gear costs more than this)
  • Cover your equipment if an airline loses it or damages it
  • Cover your equipment if it’s stolen

Unfortunately, most standard travel insurance policies won’t cover electronics if they’re accidentally damaged (like if you drop your camera while sightseeing). 


Another option?

While the above two options — either travel insurance that covers your electronics or camera insurance that covers you while you travel — are your primary options, there is another route. You can buy photography insurance or photography business insurance that’s intended for businesses that travel. Of course, to take advantage of this, you do need to be a legitimate business and professional photographer . This option won’t work for you if you’re just a hobby photographer. For businesses, though, these policies can be tailored to your more exact needs and will cover higher-value items.

Suppose you’re a professional photographer with an established business. In that case, you may think that you can use your existing business insurance to cover travel-related issues that arise with your camera equipment, but this is a dangerous assumption. If you only have liability coverage , you won’t be covered if your gear is stolen, lost, or damaged while traveling. Liability coverage is only there to keep you (and your assets) safe if a third party makes a claim against your business. 


Even the most robust insurance coverage will only cover you under some circumstances, and even with insurance coverage , you likely still don’t want to damage or lose your gear. Not only is filing a claim a headache while traveling, but you also want to be able to use your camera gear during your trip (especially if it’s for work). Therefore, go beyond your equipment insurance and take smart steps to keep your gear safe while traveling.


Pack your gear in your carry-on bag.

Don’t leave your pricey camera equipment at the mercy of the airline (have you seen how they throw those bags around?). Instead, take your gear with you in your carry-on bag. 

Don’t take questionable items on the plane.

Similarly, since most travel or camera equipment insurance policies won’t cover you when TSA takes equipment, leave anything that looks a little questionable at home. While you may know that your boom mic is perfectly safe, the average TSA employee might not. 

Keep your gear in (your) sight.

While it shouldn’t need to be said, it does. When traveling, it’s oh-so-easy to lose sight of your gear. You take out your camera to snap a few photos and get caught up in the moment, and you absentmindedly leave your backpack open and available to any passing, savvy thief who knows the value of that expensive lens you just bought. 

Keep your gear in sight (or, even better, on your person) at all times, or leave it in the hotel room safe.

Still have more questions about buying camera insurance for travel ? We’ve got answers. 

  • How much does camera insurance cost? 

How much is camera insurance ? You might be surprised at how little camera insurance costs relative to how much coverage it provides. For minimal one-time or monthly fees, you can keep your gear protected from the most common problems. 

  • What does camera equipment insurance cover ? 

Camera equipment insurance coverage differs according to policy but generally covers theft, loss, damage, and vandalism, with a few caveats. 

  • Will my current business insurance policy cover my equipment while traveling? 

You’ll need to buy a specific insurance policy to cover either camera gear or travel (or both). General liability coverage for your business will not keep your gear protected. 

Beyond electronics, there are many other valuable items you travel with that your general travel insurance might not cover. Take jewelry, for instance . What would you do if you come back to your hotel after a day of busy sightseeing, only to look down and realize you’d lost your engagement ring or a prized family piece? 

Luckily, BriteCo offers worldwide coverage, protecting you and your favorite jewelry from damage, loss, theft, and mysterious disappearance, no matter where you go . See why our 5-star jewelry insurance policies are better than the rest , and get your quote today .

Also Check:

A Jeweler’s Guide to Traveling with Expensive Jewelry How to Photograph Jewelry for Insurance Purposes? Video camera equipment insurance: Why you need it

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The easy way to insure your jewelry - and save money.


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Best Photography Insurance

Protect your business and equipment

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

Photographers need to have comprehensive photography insurance that protects their property, which normally includes pricey cameras and other equipment. Yet, they also need liability coverage in case of accident or injury, as well as auto insurance and professional liability insurance that protects against negligence or faulty advice.

We compared the best nine photography insurance companies in the market based on the policies offered, third-party company reputation ranking, customer reviews as well as customer service options for a free online quote and online claims. As you gear up to protect your photography business from financial losses, here are the top photography insurance companies we recommend.

The Best Photography Insurance for 2024

  • Best Overall: Progressive
  • Best for One-Day Coverage: Thimble
  • Best for Policy Customization: biBERK
  • Best for Studio Owners: Hill & Usher
  • Best for Employee Coverage: The Hartford
  • Best for Drone Operators: BWI Fly
  • Best Budget Option: Full Frame Insurance
  • Our Top Picks
  • Progressive
  • Hill & Usher

The Hartford

Full Frame Insurance

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Final Verdict

Compare providers, what does photography insurance cover, methodology, best overall : progressive.


While some companies that made our ranking are newer on the insurance scene, Progressive has been in business since 1937. Progressive also lets you work directly with an agent to customize your photography business insurance to your needs, although you can also get a quote online. As a full service insurance company with a long history of meeting their obligations, Progressive also boasts an A+ rating for its financial strength from AM Best.

Long history as a reputable insurance company in the United States

You can get a quote with a Progressive agent or online

Multiple coverage options available

Less flexibility in their policies (one-day or shoot-based coverage not offered)

Need to provide considerable personal and business information in order to get a free quote

Progressive may be mostly known for its auto insurance and homeowners insurance products, yet this top-rated insurance company also offers an array of business and commercial coverage options. Further, Progressive has its own Progressive Advantage Business Program, which helps businesses get the exact coverage they need to protect their equipment and themselves. Ultimately, we chose Progressive as our best overall due to their long company history, excellent ratings, and flexible coverage options.

In terms of their photography insurance coverage, they let you tailor a policy that includes general liability coverage as well as commercial auto insurance that protects you when you drive for business purposes. If you're a photography studio with employees, you can also invest in workers' compensation coverage, as well as a Business Owner's Policy (BOP) that lets you combine general liability coverage with commercial property damage for ultimate protection. You also have the option to tailor your policy and coverage limits to the size of your business or the type of events you oversee the most.

Also be aware that Progressive offers similar coverage types and options for videographers, and that you can tailor your coverage to protect your photography and videography equipment and events. 

According to Progressive, in 2021 the median price customers paid for professional liability was $42 per month and $65 per month was the median cost for workers’ compensation coverage. The median cost for general liability worked out to $48 per month, while business owners policies had a median cost of $68 per month.

Best for One-Day Coverage : Thimble

 Thimble Insurance

Thimble is unique among photography insurance companies because this provider lets you purchase coverage for a single job or by the month if you prefer. This option lets you pay for photography insurance only when you need it, and you can tailor each coverage period to the details of the job.

Purchase coverage for the job or by the month

Pause or cancel your coverage at any time

Comprehensive protections included in every policy

Highly rated mobile app

Newer company (only founded in 2016)

No coverage available for commercial property

No way to work with an insurance agent in person

Thimble was founded in 2016, yet their business insurance policies are underwritten by third-party insurers that have been in operation for decades. Policies are underwritten by Markel Insurance Company and National Speciality, Insurance Company both of which boast an A financial strength rating from AM Best. Drone coverage is underwritten by Global Aerospace, Inc. We chose Thimble based on the flexibility of their photography insurance plans, and specifically on the fact you don't have to pay for a year of coverage (or even a month of coverage) at once. 

Thimble is unique because this company lets you buy only the coverage you need when you need it. You can buy a monthly policy, but you can also purchase photography insurance by the job. 

With each of their policies, you can add extra insureds for free, and there are no extra fees or deposits. Waivers of subrogation are also offered at no extra cost, and you get unlimited Certificates of Insurance. Coverage from Thimble can be tailored to include bodily injury, property damage, personal and advertising injury, and errors and omissions (E&O). You can get a free quote online, and coverage can be found for up to $2 million dollars.

Best for Policy Customization : biBERK

We chose biBERK due to the ease with which they let their customers choose policy inclusions based on their needs. While not a household name itself, you should know that biBERK is actually a Berkshire Hathaway Company.

Build a policy with the exact coverage options you want

Part of Warren Buffett's Berkshire Hathaway Insurance Group

Easy quotes available online

No way to purchase coverage for individual jobs

As part of Warren Buffett's Berkshire Hathaway Insurance Group, biBERK comes with the backing of a longstanding player in the insurance industry. Originally established by textile entrepreneur Oliver Chace in 1839, Berkshire Hathaway has the highest rating possible for its financial strength from AM Best, an A++. We chose this company as best for policy customization based on the fact you can build your own policy with the exact coverage options you need to have.

Because biBERK lets you buy insurance directly, they promise rates that could be as much as 20% lower than their competitors. They also let you customize your policy with the exact coverage details you need. 

Types of insurance available for photography businesses include general liability, business owners policy (liability & property), commercial auto, umbrella, cyber, and workers' compensation. Note that biBERK lets you get a free quote over the phone or online. Their online claims process also makes it easy to file a claim or make updates virtually.

Best for Studio Owners : Hill & Usher

Hill & Usher Package Choice

Hill & Usher offers photography insurance that is specifically geared to videographers and those in graphic design or web design. Studio contents are covered in their policies, as well as your camera equipment, liability, and more.

Package Choice insurance plan targeted specifically to studio owners

You can begin building a free quote online

Comprehensive coverage options included

Policies are underwritten by third-party insurers

No option to purchase coverage for individual jobs

Hill & Usher is a full-service insurance agency that offers a specific photography insurance plan known as Package Choice. Note that Hill & Usher has their policies underwritten by different insurance providers depending on where you live, which may include The Hartford, CNA, Travelers, Zurich, Firemen's Fund, and more. Also be aware that, while you can begin building a free quote online, you'll need to speak with an agent to find out how much you'll pay for a policy with the coverage and limits you prefer.

Package Choice from Hill & Usher was chosen for our ranking based on the fact they offer specific coverage options for photographers who own their own studio, which adds coverage for the structure. Other types of photography insurance that you can purchase include professional liability, coverage for cameras and professional gear, protection for computers and portable electronics, business income insurance, and general liability. 

You can also tailor your coverage with worldwide camera insurance and certificates of insurance for venues and landlords. You can even add identity theft protection to your policy, which could be helpful if a hacker gets their hands on your sensitive personal details like your Social Security number.

Best for Employee Coverage : The Hartford

While The Hartford is a reputable insurance company you should consider regardless of whether you have employees or you're a sole proprietor, we chose them for our ranking based on their comprehensive coverage for photography studio employees who may get injured at work.

Various coverage options available, including professional liability and workers' compensation for employees

Longstanding insurance provider known for quality and financial strength

You can get a quote online or work directly with an agent

Originally founded in 1810, The Hartford currently offers an array of insurance products for your home, your auto, and your business. AM Best gives The Hartford an A+ financial strength rating, meaning the company will have no problem paying claims. Further, The Hartford offers robust coverage options for employees, which is important for photography studios with multiple members on their team.

While The Hartford can be a good option for photography insurance regardless of whether you work on your own or with a team, they stood out in our ranking due to their excellent coverage options for employees, which include professional liability and workers’ compensation . You can get a free quote online, but you can also work with an agent over the phone or in person in order to customize your coverage. 

In addition to offering employee related coverage, The Hartford also offers additional photography insurance options such as a Business Owner's Policy (BOP), general liability insurance , business property insurance, business income insurance, and coverage for interruption of computer operations. You can also buy specific coverage if you run your photography business out of your home.

Best for Drone Operators : BWI Fly

If you take drone photography, you may need a specialized insurance policy that protects drone use for commercial purposes. BWI Fly does exactly that with coverage for physical property and liability with limits up to $25 million.

Buy specialized commercial insurance coverage for your drone

Tailor your policy to your needs

High coverage limits up to $25 million

Only for drones; does not cover your other equipment

BWI Fly was founded in 1977 with the goal of expanding insurance options in the aviation industry. They currently offer commercial drone policies that are underwritten by other, highly rated insurance providers such as Global Aerospace, U.S.A.I.G., and Old Republic. Note that you can get started on a free quote online, but you'll need to speak with an agent to work out the specifics of your coverage and costs. We chose BWI Fly for our ranking due to their excellent coverage options for drones, which have unique challenges when it comes to insurance. 

BWI Fly offers photography insurance that works specifically for drones and their use, which is widely popular for weddings, surveillance, movie production, and plenty of other industries. Liability coverage is available in amounts between $500,000 and $25 million. Physical damage coverage and coverage for advertising liability are also available. Your coverage also includes protection for legal defense in the event you are sued due to the operation of your drone for commercial purposes.

Best Budget Option : Full Frame Insurance

Full Frame Insurance offers coverage for photographers and videographers that starts at just $59 per event or $129 per year. Your coverage is instant and there is no deductible on liability claims.

Purchase affordable insurance coverage for the job or for the entire year

Tailor your coverage to your exact needs

24/7 access to policy documents

Only available in 44 states

Minimal coverage options offered

Newer company with few published reviews so far

This company is managed by Insurance Canopy, and many of its policies are underwritten by Partner Veracity Insurance Solutions, LLC. Full Frame Insurance does not provide in-depth quotes or the option to tailor your coverage to your needs with multiple add-ons. Instead, they offer very basic event policies and annual policies for photographers and videographers, which start at $59 per event or a minimum of $129 per year. We chose them for our ranking based on the affordability of their policies, although you do only get basic coverage in return. 

If you're on a budget and you only want minimum insurance protection for specific events or the year, Full Frame Insurance is worth considering. Their event policies that start at $59 and last for one to three days include general liability and personal and advertising injury, although they do not provide coverage for product liability or equipment. By contrast, their annual coverage provides general liability, product liability, and the option to add coverage for photography equipment or supplies. Since annual policies can be tailored to your needs, they start at $129 per year and go up from there. 

Note that coverage for gear and equipment can be worth up to $15,000 per item and $75,000 for the duration of the policy. Liability coverage can be worth up to $1 million per claim and up to $2 million per policy duration. Professional liability coverage can be worth up to $100,000 per claim and $200,000 for the policy term.

Having photography insurance is crucial if you have your own photography business, and that's true whether you mostly need liability coverage or you want protection for your equipment, lost business income, or even your photography studio. If you have employees, then you'll also need protection that limits your liability in the event they are injured or you are subject to a lawsuit based on your actions or negligence.

Either way, it's crucial to compare the best photography insurance companies to see which ones offer policies that make sense for the equipment you have and how your business normally runs. Progressive made our list as the best photography insurance overall, but we have shown that other providers could work better based on the type of coverage you need the most. 

Photography insurance may include various types of protection, yet the most popular types of coverage you can buy include equipment insurance, general liability, commercial auto insurance , property insurance, and professional liability. This coverage also protects against fire, theft, and accidents to third parties. You can also buy photography insurance coverage that protects your studio and all its contents in the event of a total loss. 

What Type of Insurance Do Photographers Need?

Photographers may have different insurance needs depending on how they run their business. The most popular types of coverage include:

  • General liability : This type of insurance coverage protects against legal actions that might arise from accidents, injuries, and other claims.
  • Equipment insurance: Equipment insurance provides protection for cameras, lenses, computers, and other gear photographers use in the course of their business.
  • Commercial auto coverage: You will also need commercial auto coverage that provides protection when you drive your car for business purposes, such as to or from a photo shoot.
  • Business property insurance: Photography insurance should also cover your photography studio (if you have one) as well as its contents. 

You may also have to buy specific coverage for employees, such as workers’ compensation. Some photographers also have to buy drone insurance or specialty coverage for high-value equipment. 

How Much Does Photography Insurance Cost?

The cost of photography insurance varies, but you may be able to buy coverage for one event for as little as $59. However, this basic coverage may only include general liability without any protection for your camera and other gear you have. 

If you want comprehensive photography insurance that includes liability, equipment insurance, coverage for your photography studio, and commercial auto insurance, you should plan on paying significantly more. 

We researched nine companies that offer photography insurance and evaluated each insurer based on the coverage types offered, the reputation of the company, third-party rankings, customer reviews (when available), and customer service options. We looked for companies that make it easy to get a free quote online, as well as those with robust customer service availability and the option for online claims. 

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Camera Insurance: Cost, Quotes, and Guide

We all have smartphones with built-in cameras to take photos with. However, they mostly can’t beat the photo quality of professional cameras. And those of you who own a camera, will be very wise to get camera insurance as part of a property insurance policy, be it separate or with other property they own.

This guide will discuss camera insurance coverage for videographers , photographers , and filmmakers and why it is essential. We’ll also take it further and discuss everything you need to know about cameras such as where to buy, how much does a nice camera cost, and a lot more.

What is Camera Insurance?

A camera insurance policy, to put it simply, functions to recover monetary losses if something ever happens to your camera. Insurance for camera differs from carrier to carrier and is part of property and home insurance for equipment, be it as a standalone coverage or along with other property.  It’s important to get your camera insured, though not an obligation. But doing so will help a lot,  whether you bought your camera through a camera pay monthly plan or in one installment. Similarly, you will also be able to pay for your camera insurance monthly or annually.

Camera and Phone Insurance

Camera and phone insurance is a policy that’s usually part of specialized multi-gadget insurance programs. This one doesn’t only cover the camera but also the mobile phone. The main advantage of camera and phone insurance is that you don’t have to buy two insurance policies for insuring a phone and a camera. By having this policy, you get phone and camera floater coverages that can take care of:

Accidental damage ( e.g. you dropped your camera or phone on hard concrete)

Malicious damage (e.g. someone took your phone or camera during an argument and destroyed it)

Breakdown (e.g. your old camera or phone’s battery leaked and caused damage)

Cracked screens

Drone and Camera Insurance

Carriers also offer drone and camera insurance. You might have guessed what’s covered as it’s already evident with the term. > “What does this insurance do for my camera or drone?” - good question.

The aforementioned policy will account for any damage to the camera or drone. But note that there's additional liability coverage, which accounts for the damage you’ll cause while operating a drone. Specific liability coverages, carriers include in their camera and drone insurance are third-party injury liability, premises, and fire legal liability. Note that drone camera insurance is required for those who make money by operating drones.

If you’re thinking of insuring your drone, we suggest you try drone insurance from Geico. Geico drone insurance coverage is bundled in Geico’s homeowner’s and renter’s insurance policy. It’s very cheap and provides comprehensive protection from all risks associated with operating a drone. 

Camcorder Insurance

Mobile devices have built-in video recorders for filming. However, they can’t beat the recording quality of commercial and personal camcorders. 

Camcorders are a must for content creators who make money through Tiktok, Youtube, Discord, and Twitch. If you’re one of them and using a camcorder for work, why not consider getting camcorder insurance?

Insurance for camcorders will take care of repairs in case the camcorder got damaged because of your fault or someone’s fault. Camcorder repair can be expensive. The average repair cost for old models starts at $100 - $180. On the other hand, newer models require $200 - $300 to get fixed. 

But note that insurance for camcorders won’t only take care of repair costs. It also provides coverage if:

You lost your camcorder because of theft or your fault

The camcorder broke on its own because of usage of factory defect

The camcorder got wet because of rain or flood

Unauthorized usage of your camcorder

Someone broke your camera by accident 

By the way, there’s another way to insure your camcorder and that is through video camera insurance or film camera insurance. Video camera insurance offers coverage against theft and accidental damage and even has worldwide insurance coverage that lasts for 30 days. However, if you wish for it, the carrier can extend the effectiveness of worldwide camera insurance coverage to 1 year. 

Camcorder cost for personal use is  $200 - $450 on average. Just so we’re clear, this is the common consumer camcorder most people own. On the other hand, the best personal camcorder - one with HD features and can be used for business purposes - is expensive. It costs $1,000 - $1,800 on average. 

DSLR Camera Insurance

A DSLR is the handy dandy camera for those who like to travel and take photos. And so, carriers offer specialized photo camera insurance that specifically covers the risks of owning DSLR cameras. 

DSLRs are very popular right now. Teens and adults want to have one. Since it’s popular, it’s very susceptible to theft. Here are some interesting DSLR theft statistics that will convince you to get insurance as DSLR protection :

27% of DSLR theft happened while the camera was left in the car

24% of DSLR theft happened because of burglary

Robbery and public transport theft accounted for 9% of recorded DSLR theft

Getting DSLR insurance is important as it will account for the theft of your DSLR, whether it happened in a restaurant, in the car, at home, or any other place. The policy is quite comprehensive as it gives $40,000 - $60,000 when your DSLR becomes stolen. We recommend you get this camera insurance cover if you enrolled in a DSLR monthly payment plan. 

Understand that your DSLR insurance will only take care of the DSLR unit and will exclude its attachments. If you want to get insurance for your DSLR camera gear or DSLR camera equipment - external flash, lens hood, camera cleaning kit, and so on -  then you’ll have to get a separate camera equipment insurance or camera gear insurance (scroll down if you want to know more about this). 

Do Travel Insurance Companies Insure a DSLR?

You can insure your DSLR using travel insurance with camera cover. However, note that DSLR travel insurance will not account for many risks. In most cases, the policy will take care of theft or unintentional damage but will exclude liquid damage and intentional damage. Aside from coverage for DSLRs, travel insurance companies also offer SLR camera insurance coverage. 

Do I Have to Take Out My DSLR Camera at Airport Security?

The general rule is this;  you don’t have to take your camera out if it’s no bigger than a regular mobile phone. However, DSLR cameras and other similarly sized cameras have to be taken out as they obstruct the screening process. 

Note that, in some airports, the officers will also require you to take a picture of the floor using the camera to prove that it’s working and not hollow inside.

Speaking of camera inspection, companies offering travel insurance for camera and laptop also provide coverage if the airport security officers unintentionally damaged the DSLR camera while checking it. Proceed reading to the next subsection if you’re asking,” How do you know if a camera is on ?”

How to Know if a Camera is On?

Since we mentioned that airport security will require you to turn on a camera, you might be wondering , “How do I know if my camera is on?”. A digital camera is on if the LCD lights up the moment you press the power button. Its green or red LED power indicator will also do the same. For an analog camera, there should be a LED indicator on its body that will flicker the moment you press the power button. 

Is My Camera a DSLR?

Look through the viewfinder and press the shutter release button. If the viewfinder goes black for a split second, then your camera is a DSLR. If it does not, then your camera is not a DSLR. 

Where Can I Sell My DSLR Camera?

These are the best places where you can sell your DSLR camera:


Camera Insurance for Non Professionals 

“How do I insure my gear as a non-professional photographer? - c arriers offer personal camera insurance policies to help you insure your camera gear even if you’re not a pro. 

Personal camera insurance offers camera breakdown coverage, liquid damage coverage, and theft coverage. However, note that not all cameras can get insured using this policy. Cameras the policy excludes are commercial filmmaking cameras, studio-type DSLRs, and other similar devices. In contrast, an ins camera or instant camera can easily get insured through personal camera insurance. 

Another way to get personal photography camera insurance is to insure your camera in your homeowner’s policy. This depends on the carrier actually. If your carrier allows it, you can get coverage for your camera by treating it as an important household object. 

There’s one last method we want to share with you, and that’s to qualify for camera enthusiasts insurance. This is a policy that’s common in photography organizations having camera club insurance programs. Camera enthusiasts insurance will take care of intentional or accidental damage to your cameras and theft.

Professional Camera Insurance

Pro camera insurance offers the most comprehensive protection for photographers who use high-end cameras. With this insurance policy, a professional photographer can get his camera and equipment insured for local and international use. It’s even possible to receive hefty reimbursements from the carrier if ever repairing a camera becomes very costly. Last but not least, some carriers also offer professional liability insurance in their professional camera insurance so that the policyholder can get covered aside from his device. 

Camera Rental Insurance

You don’t need to get your own camera to start taking pictures for insurance purposes or to start taking pictures as a hobby. Just  rent a camera if you can’t buy it right now. Renting works because it’s not only cost-effective but also because doing so makes it easier to get one’s hands on the latest units. 

Sometimes, businesses renting out camera equipment require you to get camera rental insurance. What this policy does is give you the minimum amount of money needed to replace a broken or stolen rented camera.  In practice, people  who commonly purchase this camera coverage are those involved in filmmaking and commercial photography. Note that rental insurance for cameras is commonly offered as temporary insurance for rental equipment.

Do You Need Insurance to Rent a Camera for Vacation?

Yes, rental businesses will also require you to get insurance on camera having theft coverage if you’re taking their cameras out of town.  When renting cameras, theft and other causes of the camera being lost while traveling is common. And so, rental businesses require you to get insurance so that you can successfully reimburse them if you lost a rented unit. Without insurance, you might have to pay $5,000 - $10,000 to replace a lost rented camera.  You can find the best coverage from companies that offer camera travel insurance. 

How Much Does It Cost to Rent a Red Camera?

Renting a red camera for a full week costs $1,237 - $2,513 depending on its make and model.  Camera rental businesses also charge a $240 - $530 additional daily rate if you continue to use their camera when the 1-week rental duration expires. 

Camera Travel Insurance

Insurance for camera for travel has policies that provide coverage if something happens to your camera as a tourist.  You can add this policy as an additional option to your travel insurance. Risks that camera travel insurance accounts for are liquid damage, robbery, accidental damage, and intentional damage to the camera. On an additional note, this policy can also serve as camera insurance for holiday vacations or staycations. 

Underwater Camera Insurance

Are you a scuba diver or a marine biologist? If so, don’t make the mistake of thinking that scuba diving insurance will have camera accidental damage insurance coverage. Remember that the terms of scuba diving insurance take care of injuries. Therefore, the policy excludes anything that might happen to the underwater camera. >

Aside from offering digital camera insurance, carriers also offer insurance for underwater cameras. This policy doesn’t only account for the damage to the camera but to its attachments. Getting this is very important as the attachments of a diving camera, such as its housing and strobes, can be three times more costly than the actual unit itself.  

Where to Get Underwater Camera Insurance?

It’s best to get underwater camera insurance from Divers Alert Network (DAN). DAN camera insurance works wonderfully for insuring underwater cameras, underwater camera gears, diving equipment, and diving computers. DAN’s camera and equipment insurance coverage apply wherever you are. 

One important thing to remember is that DAN will only provide the money you need to repair an underwater camera or diving equipment and will not directly replace them through insurance. 

Will a DP2 Policy Coverage Work as Camera Insurance?

DP2 policy coverage is a landlord property insurance policy that pays for the replacement or repair of a building’s damaged primary structures. DP2 doesn’t cover personal belongings inside a building. And so, if you’re a landlord and want to get camera insurance, know that you can’t get covered through a DP2 policy. 

What is Theft Coverage in Camera Insurance?

Camera and laptop insurance always cover instances of theft. To be clear, camera theft insurance coverage kicks in when your camera got lost because of a burglary, robbery, or fraud.  

Note that it depends on the carrier whether or not the theft coverage applies when you’re in another country. 

One thing you can do to ensure your carrier covers your camera against theft while you’re traveling abroad is to ask whether or not the policy comes with an international camera insurance coverage or worldwide insurance coverage. 

“So how does stolen camera insurance coverage work when I insure my camera?” In practice, this policy provides money equal to the current market value of stolen cameras. 

For example, if you bought a camera for $500 in 2019, and it got stolen in 2022, then the carrier will have to give you money based on its depreciation value. As a result, the money you’ll receive might be lower than the camera’s original value. But note that there are also insurance carriers that will reimburse the original value of the camera.  

Some Words About Stolen Cameras and Insurance

Cameras are commodity items in the United States. However, not all Americans can afford the latest units. As a result, some decide to buy stolen cameras from illegal sellers. This perhaps is the reason why camera theft is rampant in some parts of the US.  If you look online, you’ll see reports of people robbed at gunpoint for their camera gear , being followed in a robbery attempt to get their camera, and so on. 

Remember that your theft insurance for camera excludes any damage you sustain because of a robbery attempt. If this happens in the future, what we recommend you do if you have theft insurance coverage  is to not resist and give your camera to the other person because you can always file a claim. 

Also, get camera insurance for theft (camera insurance theft) if you’re owning expensive cameras. Never think that, “ My cameras will be safe ”, because they can always get stolen from you while you’re in a cafe, at home, at the workplace, or casually chilling out in your vehicle. 

What is a Serial Number On My Camera?

Just like vehicle engines, cameras have a serial number too. New camera models have serial numbers that are twelve digits long while older ones have shorter serial numbers. ” Where can I find the serial number of my camera” -  glad you asked that.  Here’s a table as your guide. 

What is Camera Breakdown Insurance?

All photo camera insurance programs from different carriers include camera breakdown coverage or accidental damage insurance camera cover. This policy will kick in if you dropped the camera in water, spilled water on it, dropped it on the floor, slept on it,  or sat on it. 

The terms of camera breakdown insurance differ from carrier to carrier. And so, we recommend you compare camera insurance quotes. 

So is accidental coverage for the camera worth it?  Yes, it’s worth it because a camera can easily get broken. In case you want to get more answers, we suggest you create a camera accident insurance worth it reddit thread.

Camera Insurance Cost 

There are many factors that affect the cost of a camera. The same also applies if you’re planning to insure it.  A carrier insures your camera and determines the cost of doing so according to:

Camera list price

Whether it’s brand new or secondhand

Its purpose (whether for business or for personal use only)

What we can do to give you an idea of how much it will cost to insure a camera is to give you the cost of insurance of the most popular camera models right now. 

Here's another table showing the pricing of the best camera insurance companies:

How Much Does Camera Rental Insurance Cost?

The cost of insurance for those renting DSLR or any other type of camera is $24 a month or $288 a year.

How Much Will Camera Travel Insurance Cost?

The cost to insure a camera for travel is very cheap. Some only pay $7 for an $11,000 coverage. On the other hand, if you want to get camera coverage in your traveler’s insurance, then expect carriers to add $15 - $22 to your rates. 

Best Camera Insurance Companies

All carriers claim to offer the best camera insurance. That’s why we’re here to give you thorough feedback on the companies that online reviews recommend for the best camera insurance in the USA.

By the way, if you’re tired of reading, know that you can use our online quotes generator. Using it is very easy. 

All you have to do is find and click the “Get Quotes” button and fill-up the form. Shortly after, our online quote generator will give you all camera shop insurance and camera insurance quote from accredited carriers in the US, so that you can get cheap camera insurance and save money. 

Also, just in case you proceed to buy insurance from the companies we recommend here (like Lemonade for example),  don’t forget to leave some camera insurance reviews here. Doing so might be a small thing but it will greatly help others make the best decision when buying camera insurance in USA.

Lemonade Camera Insurance

Why get insured by lemonade.

Easy insurance for your camera

$0 deductible on camera insurance

Former best camera insurance in 2020 according to third-party reviews

Best camera insurance for professional photographers and non-professional photographers

Why Take Lemonade with a Grain of Salt?

There’s no Lemonade equipment insurance that can cover photographic gear

There’s no Lemonade photography insurance that offers liability policies for professional photographers

Lemonade allows policyholders of its homeowner’s insurance and renter’s insurance to get their cameras covered. However, coverage only applies to named perils in Lemonade’s homeowner’s and renter’s policies such as:

Fire or lightning

Windstorm or hail

Falling objects

Weight of ice, snow, or sleet

Accidental discharge or overflow of water or steam

Sudden and accidental tearing, cracking, burning, or bulging

Sudden and accidental damage due to short-circuiting

Volcanic Eruption

Lemonade’s basic homeowners or renters insurance doesn’t allow you to insure a camera against accidental damage. However, this doesn’t mean that the company can get you covered. If you get scheduled personal property coverage, then you can insure your camera against damage accidents cause.

“ I have Lemonade’s renter insurance and am using them for the condo insurance when I close this month. I have my Leica gear added under my policy worth about $15,000. I luckily haven’t had to replace any camera gear but I did have to file a claim when my car was broken into and about $3,000 worth of off-roading and camping gear was stolen. I never thought I’d ever say this but... it was a breeze filing a claim and they deposited the funds into my bank account within a month. They were easily available by email or phone to answer my questions too. 10/10 highly recommended! Hence why I’m sticking with them for my new condo ” - source . 

Best for: Professional and non-professional camera insurance

Average cost:   $25

Our rating: 10/10

Lemonade and Lenses: Can You Get Your Camera Lens Covered Using Lemonade’s Homeowner’s and Renter’s Insurance?

Lemonade won’t provide coverage to your camera lens if you only get a basic homeowner’s or renter’s policy. The company will only cover your lens if you get scheduled property coverage or extra coverage. 

Hill and Usher Camera Insurance

Why get insured by hill and usher.

Offers instance coverage for camera breakdown and theft

Accounts for the replacement cost of the camera

International camera insurance coverage in its  DSLR and SLR Insurance

Why Take Hill and Usher with a Grain of Salt?

$1,000 deductible is too much for some customers 

Hill and Usher insure cameras using its Package Choice. Package Choice is an insurance program insuring photographers and videographers since 1988.  The policy offers instant coverage for theft and breakdown, pays for the replacement cost of the camera, has international camera insurance coverage, and a deductible not exceeding $1,000. In addition, Package Choice comes with camera hire insurance coverage. 

“I decided to buy camera insurance from  Hill & Usher as a full-time wedding photographer for myself and my separate studio. All of the well-established pros who I know locally in the same field do as well. They are the gold standard in wedding photography (and very well respected in events and commercials as well). As a pro, their service is outstanding and I use their online portal to submit COI requests frequently (functionality is acceptable but could be improved, but the design is dated). However, the website is lacking. Good on them to spruce it up.” - source . 

Best for: Camera insurance with instant coverage for theft

Average cost: $41.66

Our rating: 9/10

Ripe Camera Insurance

Why get insured by ripe.

Has business insurance policies as additional options on its camera insurance

Offers camera floater insurance with a $27,000 and $80,000 policy limit

Why Take Ripe with a Grain of Salt?

Some customers say that Ripe charged them additional rates

Ripe’s camera and lens insurance offers theft coverage, accidental damage coverage, and in-vehicle coverage. The company’s theft coverage and accidental damage coverage has an $81,534 policy limit and will replace your camera if it’s under three years or will reimburse you for the full value of the camera if it’s more than three years old. 

On the other hand, Ripe’s in-vehicle coverage will cover up to $27,000 if your camera got accidentally damaged or stolen while in a car. On an additional note,  Ripe allows you to get temporary camera insurance. 

“I need camera insurance as a professional photographer, is Ripe good for me?” - wonderful question. Ripe might be good as it doesn’t only offer policies that insure your camera but you as well. 

Ripe camera and lens insurance have public liability insurance coverage, camera rental insurance coverage, employer’s liability insurance coverage, and professional indemnity insurance coverage, which are commonly included in standard photographer’s business insurance. 

“The process of getting a quote [ from Ripe ] was super easy and I like how they made the total visible straight away. No waiting for emails with the total to come through. The price is also very competitive and covers everything I need as a semi-professional photographer” - source . 

Best for: Camera insurance with business insurance policies

Average cost: $23

State Farm Camera Insurance

Why get covered by state farm.

No deductible 

Insures a camera for 1.5% of its annual replacement value

Camera insurance applies even if you’re traveling

Why Take State Farm with a Grain of Salt?

The insurance application process is a bit troublesome as State Farm agents will do a physical inspection of the camera

State Farm allows you to cover your camera with its homeowner's insurance. But perhaps, the best coverage is through the company’s personal articles policy.

The personal articles policy of State Farm will cover your camera for 1.5% of its annual replacement value. With State Farm, you can insure for less because the company doesn’t impose any deductible. Furthermore, camera insurance from State Farm covers theft, accidental loss, and intentional or accidental damage. 

On another note, aside from insuring cameras, you can also use State Farm personal articles policy for drone, computers, and other personal electrical devices. 

“I have all my gear insured through State Farm - a "personal articles policy. " No deductible, and it's pretty cheap. It came in handy when my 100-400mm hit the concrete” - source . 

Best for: Camera insurance with zero deductible

Average cost: $31

Geico Camera Insurance

Why get insured by geico.

Covers cameras through its homeowner’s insurance and renter’s insurance

Offers the cheapest drone insurance

Why Take Geico with a Grain of Salt?

Camera insurance from Geico doesn’t account for all incidents of loss, theft, or damage

Photography insurance from Geico only has professional liability coverage

You can get camera insurance from Geico through its renter’s and homeowner’s policies that come with personal articles policy.  With Geico personal articles policy, you can get your camera covered against winds, hail, fire, and water. However,  the personal articles policy from Geico has a drawback too. And that is, it can’t provide coverage if the camera got damaged while traveling.  

This car insurance company can get you covered too if you’re a photographer. While there's no such thing as a stand-alone Geico photography insurance, Geico has stand-alone professional liability insurance for photographers. 

If your car has a dash camera, then Geico can also get it covered if you decide to get a comprehensive car insurance policy. On another note, in case you want to get car insurance aside from Geico camera insurance, understand that there’s no Geico dashcam discount even if the company does offer discounts for the installation of safety driving devices. 

Best for: Drone and camera insurance

Average cost: $21

Allstate Camera Insurance

Why get insured by allstate.

Allows you to insure your camera using a renter’s insurance policy having personal property coverage

Has two types of personal property coverage

Why Take Allstate with a Grain of Salt?

Not the best camera insurance for photographers who are professionals

Allstate has a renter’s insurance policy having personal property coverage that can account for the damage or loss of your camera. The company offers two types of personal property coverage: replacement cost coverage and actual value coverage. Replacement cost coverage will give you money (a set amount) to buy a new camera in case you lost or damaged your own. On the other hand, actual value coverage will give you money equal to the current list price of your lost or damaged camera.

In case you want to get more comprehensive camera insurance, Allstate also allows you to have more coverage by getting a scheduled personal property policy. For more info about this, take a look at cheapest renters insurance reddit threads that talk about Allstate. 

Best for: Insuring a camera using renter’s policy

Average cost: $33

Our rating: 8/10

USAA Camera Insurance

Why get insured by usaa.

Very cheap insurance coverage for cameras

Applies even if you’re traveling abroad

Why Take USAA with a Grain of Salt?

Doesn’t offer short term camera insurance

Only available for photographers or camera enthusiasts who are current or former military members

USAA covers cameras through its valuable personal property insurance (VPP insurance). The policy accounts for loss or accidental damage and also gives worldwide coverage, which USAA renter’s insurance and homeowner’s insurance don’t cater to. 

Best for: Cheap stand-alone camera insurance

Average cost: $20

Best Buy Camera Insurance

Why get insured by best buy.

Insures the camera and improves its warranty

Camera insurance from best buy is transferable

Why Take Best Buy with a Grain of Salt?

Best Buy’s camera insurance might be underwritten by a third-party company

Some customers say that best buy is not the best for Sony camera insurance

Best Buy offers insurance coverage for DSLR mirrorless cameras, digital camcorders, and point-and-shoot cameras through its GeekSquad Protection program.  The policy works in tandem with your camera’s warranty and offers further coverage the moment the warranty expires. Best Buy also allows you to transfer the insurance coverage to the new owner in case you sell your camera.

Best for: Transferable camera insurance

Average cost: $15.42

Aviva Camera Insurance

Why get insured by aviva.

Offers up to $10,000 coverage when insuring a camera for personal use

Camera insurance can be added as an optional policy in any personal insurance products of Aviva

Why Take Aviva with a Grain of Salt?

Doesn’t insure the cameras of professional photographers

“Can I insure my camera with Aviva?” - The answer to this question is yes even though the company specializes in business insurance.  Aviva camera policy has personal belongings coverage. One thing to note though is that the insurance policy only works for cameras for personal use. Furthermore, you’ll have to name your camera in the insurance policy’s terms if it's worth $2,000 or more. 

Best for: Personal camera insurance

Average cost: $26

Professional Photographers of America Insurance (PPA Insurance)

Why get insured by ppa.

Offers low deductibles 

Specializes in insuring expensive cameras

Buying insurance from PPA includes membership

Has single trip camera insurance for photographers

Why Take PPA with a Grain of Salt?

PPA equipment insurance is expensive

Some customers report that PPA doesn’t offer the best insurance for photographers and their cameras

The Professional Photographers of America (PPA) doesn’t only review American camera company but offers insurance too. The organization covers cameras through its photography equipment insurance which offers up to $15,000 equipment coverage with a $50 flat deductible for camera repair and a $350 deductible for camera replacement. 

PPA camera insurance, together with its partner, Lockton Affinity, allows customers to get another policy called PhotoCare Plus, which some say is the best photography insurance right now. PhotoCare Plus covers owned and rented cameras. Furthermore, it offers $100,000 in coverage with a $250 deductible. 

Best for: Insuring expensive cameras with low deductibles

Average cost: $20.83

NPPA Camera Insurance - National Press Photographers Insurance

Why get insured by nppa.

Implements a flat deductible

Affordable professional camera equipment insurance policies

Very generous member discounts

Many recommend this company for Canon camera insurance

Why Take NPPA with a Grain of Salt?

Expensive insurance option for non-NPPA members

NPPA specializes in providing pro photographers insurance. And so, its policies work well with photojournalists and other similar professionals. NPPA covers cameras through its photography equipment insurance with a $100,000 maximum policy limit and a $250 flat deductible. The policy provides coverage whether the camera is damaged or lost at home, at a faraway location, or at the studio. Finally, NPPA offers discounts when insuring cameras of its members. 

Best for: Membership-based camera insurance

Average cost: $25

PPIB Camera Insurance - Professional Photographers Insurance Brokers

Why get insured by ppib.

Provides automatic coverage

Offers a minimum of $10,000 insurance coverage for your camera

Allows you to cancel your policy and receive a refund

Insures your rented camera

Why Take PPIB with a Grain of Salt?

It’s unclear how PPIB processes claims

You can cover your camera with PPIB’s photographic equipment policy. PPIB’s photographic equipment policy protects your camera from accidental loss or damage, theft while in a vehicle or building, and damage or theft while in transit. PPIB determines the cost of  insuring your camera through these factors:

The types and value of goods to be insured

 Sum insured

Your insurance and claim/incident history and experience;

PPIB’s obligation to pay relevant government taxes and charges. For example, GST payable in relation to your policy.

Best for: Camera insurance that’s easy to cancel

Average cost: $36

Progressive Camera Insurance

Why get insured by progressive.

Low deductibles on camera insurance

Offers coverage for high-end cameras and low-end cameras

Why Take Progressive with a Grain of Salt?

Doesn’t insure analog cameras or offer holiday camera insurance

Progressive’s electronic device insurance offers coverage for digital cameras. The policy covers simple point-and-shoot cameras to high-end DSLR cameras and SLR cameras.  With its policy, Progressive literally says, “I can insure you and your camera from things like ”

Accidental drops

Water damage

The minimum deductible of Progressive’s camera insurance is $50. This is the main reason why the company wants you to get this separate insurance policy even if you can cover your camera in Progressive’s renter’s and homeowner’s insurance.  

Progressive renter’s and homeowner’s insurance has hefty deductibles. As a result, you’ll receive a very small payout if you insure your camera using these policies. 

Best for: Insurance for high-end cameras and low-end cameras with low deductible

Average cost: $42

Athos Camera Insurance

Why get insured by athos.

Includes coverage for incidents that are usually excluded in most camera insurance policies

Former best camera insurance in 2019 according to third party reviews

Why Take Athos with a Grain of Salt?

Short-term insurance is too expensive

Athos offers both long-term and short-term camera insurance for hobbyists and professional photographers. The company covers cameras through its photographer’s camera and lens insurance that accounts for:

Accidental Damages

Lightning and/or Explosions


Hail and Flood

Nationally Declared Acts of Terrorism

Smoke and/or Water Damage

Falling Objects

Worldwide Coverage

Transit and Shipping

Replacement Cost Coverage

Best for: Camera insurance that applies to a wide range of different situations

Average cost:   $12.5

Hiscox Camera Insurance

Why get insured by hiscox.

Unlimited claims to camera insurance

No need to list an expensive camera on the insurance policy

Offers coverage for the retrieval of videos and photos from a damaged camera

Why Take Hiscox with a Grain of Salt?

Some report that Hiscox can be stubborn when it comes to policy cancellation

Hiscox has a camera kit insurance policy that can either cover a camera only or cover a camera and its attachments. The policy can automatically cover a camera that’s under $15,000. > Furthermore,  you can enjoy an unlimited amount of payout from Hiscox’s camera insurance policy unless you tell the company not to do so. Additional features of Hiscox’s camera insurance are worldwide coverage, digital media coverage, and accidental damage coverage.

Best for: Camera insurance with an unlimited number of claims

Average cost: $35

AAA Camera Insurance

Why get insured by aaa.

Offers numerous discounts to save costs on camera insurance coverage

Why Take AAA with a Grain of Salt?

Not available in all parts of the United States

AAA covers cameras through its travel insurance and homeowners insurance. However, the company only insures customers from Alaska, Arizona, Northern California, Nevada, Montana, Utah, and Wyoming. 

Best for: Camera insurance with discounts

Average cost: $38

Thistle Camera Insurance

Why get insured by thistle.

Offers camera insurance that suits the needs of all kinds of users

Includes public liability coverage with a generous policy limit

Transparent claims process

Why Take Thistle with a Grain of Salt?

Some customers report that Thistle’s customer service department is very unresponsive

Thistle’s PhotoGuard coverage will insure your camera. The policy includes in-vehicle coverage and camera damage insurance coverage. The company claims that its camera insurance suits the needs of professionals, semi-professionals, non-professionals, students, and videographers. Aside from policies that cover the camera, Thistle’s Photoguard also offers public liability insurance and inland marine camera insurance with a $5 million policy limit. 

Best for: Camera insurance with public liability coverage

Average cost: $27

Our rating: 7/10

Alfa Camera Insurance

Why get insured by alfa insurance.

Doesn’t put a huge increase in premiums even if customers cover their cameras using homeowner’s insurance

Why Take Alfa Insurance with a Grain of Salt?

Many say that Alfa Insurance isn’t what immediately comes to mind when thinking of camera insurance

Alfa insurance allows you to cover your camera if you purchase homeowner’s insurance without any significant increase in rates. With this company, your camera can get replaced or repaired easily from all kinds of damage. 

For a quick trivia, did you know that Alfa insurance might be the only insurance company to invest in weather systems? The Alfa insurance camera network is made of 96 cameras and extends from Alabama, Mississippi, then to some parts of Georgia. 

Best for: Camera insurance bundled in homeowner’s insurance

Average cost: $40

Leica Camera Insurance (Leica Wetzlar Store Only)

Why get insured by leica.

Leica Insurance premiums are determined according to the list price of your camera

Why Take Leica with a Grain of Salt?

Not available in the United States

Leica’s store in Wetzlar allows customers to insure their cameras. By doing so, those who get their Leica cameras in Wetzlar won’t need to find insurance companies. Leica’s camera insurance offers protection from:

Burglary, robbery, vandalism, malevolence     

Theft from car     

Damage caused by impact or liquid not covered by the warranty against material or manufacturing defects     

Operator error, ineptitude or willful intent, unpredictable events

Best for: Leica cameras

Average cost: $24

Protect Your Bubble Camera Insurance

Why get insured by protect your bubble.

Covers cameras through its gadget insurance and renter’s insurance

Many customers find it easy to get insured with Protect Your Bubble

Why Take Protect Your Bubble with a Grain of Salt?

Very limited amount payable when insuring a camera using renter’s insurance

Gadget insurance’s theft coverage can only be claimed twice

Protect Your Bubble covers cameras through its gadget insurance and renter’s insurance policies. If you decide to insure your camera using Protect Your Bubble’s gadget insurance, you can:

Have worldwide insurance coverage

Insure up to 3 cameras for only $20

Unlimited repair coverage

Get coverage against theft

The single article coverage of Protect Your Bubble’s renter’s insurance also covers cameras. However, it only provides $2,800 coverage for loss, intentional damage, and accidental damage. 

Best for: Insuring multiple cameras

Is There a Specialized Insurance Policy for Nikon?

The company, Protect Your Gadget, offers a Nikon camera insurance program.  The key features of this Nikon insurance are instant coverage and an unlimited number of claims. Nonetheless, note that Protect Your Gadget’s insurance for Nikon has the same features as the generalized camera insurance of the companies we reviewed.  Additionally, this company also has specialized GoPro insurance. 

Camera Protection Plans

Asurion camera protection plan .

Asurion doesn’t have insurance policies that cover cameras. Nonetheless, you can still get coverage from the company through its camera protection plans - extended electronics warranty and Asurion 3-Year Camera Accident Protection Plan with Tech Support. 

Asurion’s extended electronics warranty protects digital cameras and other electronic devices from accidental damage. Moreover, it will take care of the cost of shipping broken electronics to Asurion service centers. There’s more. Aside from shipping costs, extended electronics warranty will also take care of the repair cost of broken electronics. 

Let’s talk about Asurion 3-Year Camera Accident Protection Plan with Tech Support. This is a camera protection plan you can purchase at Amazon. Asurion 3-Year Camera Accident Protection Plan sees to it that you spend nothing for the shipping and repairing of a broken camera. Additionally, it includes free customer support in case you need help in troubleshooting, solving errors on camera etc. 

You might also get your camera insured if you go for Asurion Home Plus. Asurion Home Plus reviews state that customers have managed to get their cameras covered aside from common household digital devices. 

Canon Camera Protection Plan

The Canon protection plan is also a warranty and not an insurance policy. However, it’s worth talking about because it’s wonderful for those looking for other ways to get their Canon cameras covered.

Canon offers coverage through its CarePAK Plus protection plan that takes care of normal wear and tear, accidental damage, and image recovery. Additionally, CarePak will take care of service cost but only if the camera is brought to Canon service centers. 

Do You Really Need Insurance for Your Camera? Let’s Consult the Front Page of the Internet

Here on Insuranks, we say that you need to get your camera insured. But still, we know that you can’t make a decision with only our opinion. And so, let’s take a look at some comments on camera insurance reddit threads. 

“If you're not using the camera professionally, add it to your homeowners or renters insurance. It's cheap and worth it. If you are using it professionally, you'll need a separate policy. Still worth it, but more expensive.” - JustTheFactsMaam

“I would say without a doubt insurance is worth it, especially considering you have $5,000 worth of gear. Assuming you are not a professional you should be able to get a pretty cheap rider plan through your homeowners/renters insurance that has coverage for lost and stolen equipment, as well as accidental damage. My plan covers all of that and I pay less than $7/month, which is a very small price to pay for peace of mind” -  Hankey

“How likely are you to break/lose any of your gear/how much do you rely on it for income, if you need it or have a high possibility of breaking it then I'd say it is probably a worthy investment. Otherwise, I think insurance on cameras is just a huge scam, they basically rely on you paying them more than you will ever claim to make money, so if you just put a certain amount of money aside each month so if something ever does happen to your gear, you will have enough to cover it and you will probably end up paying less than if you had an insurance” - KingTauntz

“I have camera kit insurance. Last week, my D7000 and lens got smashed when the wind knocked my tripod over, nowhere near home, mind you. I spent 25 minutes on the phone with them that same day, told the whole truth, and had the money in my account within 3 days. I pay $17/month and it covers pretty much everything I own, so long as I don't make a living off it. The one drawback is that there was a $500 deductible, and they went with the lowest price they could find online for a new body.”   - BelgianWaffle

How Can You Protect Your Camera from Damage?

Insurance carriers can cancel your camera coverage if ever you repeatedly make a claim. And so, it’s best to take care of your camera even if you got it covered with an insurance policy. In this section, let’s talk about how can you protect your camera from damage.

Always Use The Strap

All cameras have a strap that you can wear on your neck or wrist. While it’s true that the strap feels uncomfortable, it’s undeniable that it perfectly protects the camera against theft. 

There are also instances where other users didn’t use the strap and then dropped camera in water. With that said, never underestimate how helpful the strap can be. It's useful and that’s why manufacturers always put a free strap on their 1000 dollar camera.  

Buy a Camera Bag 

Most like to store their cameras together with clothes in the luggage and don’t realize that by doing so, the camera’s lens or shutter can easily get damaged.  If you own a camera, it’s a good decision to get gear up camera bag as it will keep the camera free from dust, moisture, and breakage.

Buying Your Camera: A Guide

If you’re researching camera insurance because you’re about to get a camera soon, then here’s a guide that answers all of your questions about buying a camera. 

What Kind of Camera to Buy?

To determine what kind of camera to buy, first answer the question,” What kind of user am I ?”. Are you a casual traveler who loves to take photos? The camera collector? Someone who shares the beauty of the world with others through pictures? A photojournalist maybe? 

If you’re a traveler and loves blogging, then you’ll want to get a life blogging camera  like the Sony A6500 or the Canon Rebel T7i, which have a slim design that makes them very portable and the best log camera right now. But what if you’re not a travel blogger but are someone interested in taking snapshots of places? In this case, the camera for you are point-and-shoot cameras like the Canon PowerShot Elph 180 / IXUS 185 and Sony Cyber-Shot DSC-W800.

Now let’s say you’re running a construction business or landscaping business and need a camera to survey an area. In this case, you’ll need a camera for business purposes like a camera drone or an econ camera for example. 

How about if you’re a video content creator working from home? In this case, the generic blog cameras are what you need. Most agree that the best blogging camera right now is the Sony ZV-1. Another famous blog camera for video creation is Osmo Action.

“What kind of camera do I need if I’m an insurance adjuster?”, - good question since we’re talking about insurance earlier. The best camera for insurance adjuster according to the post of agents in insurance drip reviews is the Fujifilm XP that’s waterproof, freezeproof, shockproof, and dustproof. 

How Much Does a Nice Camera Cost?

So how much do cameras cost? The average cost of brand new digital cameras in the United States is $189.54 as of 2022 . On the other hand, second-hand cameras cost 5%  or 10% lower than the list price of brand new digital cameras. 

How Much Does a Photography Camera Cost?

Brand new cameras used for commercial photography costs $2,500 - $3,000 on average. On the other hand, photography cameras for personal use cost $250 - $1,000 on average. 

How Much Does a DSLR Camera Cost?

The latest statistical data on the cost of DSLR cameras state that a DSLR unit is  $536.93. 

A DSLR camera is expensive. However, there’s no need to save money and wait to get a brand new one. Camera stores offer DSLR camera pay monthly plans for those saying “I need a camera right now!”

Nonetheless, to pay monthly for a DSLR camera has drawbacks too. Camera shops put an interest in their customer’s DSLR camera monthly payment plan. As a result, the customer pays more than what’s intended. 

How Much is a Professional Camera?

So how much does a professional camera cost? High-end cameras - those that professional photographers use - cost $2,000 to $5,000 including all attachments. 

But then again, the price varies from source to source as there’s no set definition for what is considered a professional camera.

For some, a professional camera is one that comes with all the advanced features the usual consumer camera doesn’t have. 

On the other hand, others say that a  professional camera is one  that works well and lasts long for its price regardless of whether comes with advanced features or not. Prasanna Bhalerao, an amateur photographer sheds light on this.

“ A professional-grade camera, or for that matter any equipment of that grade, is something that is robust, long-lasting, very reliable, guaranteed to return the same (quality) results time after time .” - source . 

Where to Buy Professional Cameras?

The best place to buy a professional camera is Cameras Etc Newark. Here are some online reviews about this store. 

“ OMG I love this place, they're a veritable playroom for adults who love camera gear.  Staff is extremely knowledgeable and experienced ” - source . 

“ Always enjoying coming to Cameras Etc in Newark. The staff is always helpful and friendly.  Their knowledge about professional camera gears is outstanding and they are patient and customer-oriented ” - source . 

“ As a photo major at UD, I practically lived here and knew almost everyone who worked here by name.  It was always my go-to for new gear.  I found all the employees, particularly Dain, to be knowledgeable, patient, and passionate about photography.  I'd support this store over the big box stores any day ! " - source . 

When Do Camera Prices Drop?

Since cameras are common giftable items, their prices drastically drop during the Christmas season. During such times, sellers sell their cameras for 5% - 10% lower. Black Friday is another time when camera prices drastically drop. 

Best Places to Buy Cameras That are Brand New in US

Many say that it’s best to go to San Francisco, New York, or Sioux Falls when buying brand new cameras. These three places have a lot of shops with the latest cameras from all brands at competitive rates.

Where to Find Brand New Cameras in New York City?

B&H and Adorama are the best places to buy a camera that’s brand new in New York City. B&H is the best camera shop in NYC that garnered a lot of awards. In 2018, it was named the leading online electronics retailer It was also named by Forbes magazine as America’s Best Midsize employer.

On the other hand, Adorama is the best camera shop in New York that ranks 7th in the rating of photography equipment sites. In case you’re looking for the best canon shop in New York City, Adorama or B&H is still the place to go. 

Where to Find Brand New Cameras in San Francisco?

The best camera store in San Francisco, if you’re looking for brand new cameras, is Samy’s Camera.  While in San Francisco, many photographers like to visit Samy’s Camera because it has an extensive collection of different camera models, implements very fair pricing, and employs a very knowledgeable workforce. 

Where to Find Brand New Cameras in Sioux Falls?

A Sioux falls camera store with a lot of good Google reviews is Harold’s Photo, which is a brand new camera shop and a photo studio. Another camera store in Sioux falls that online sources recommend you try for brand new cameras is Bodnar Studio & Camera Shop.

What are The Best Online Stores Selling Brand New Cameras in the USA?

The best online camera stores in USA that allow customers to pay monthly for cameras.

Econ Cameras

Peace Street Camera

How to Buy a Cheap Camera that Works Well?

If you like cameras but can’t afford to spend much, then why don’t you try buying second-hand cameras?  Contrary to the popular notion, second-hand cameras still work well (provided you have a keen eye). 

So how much does a second-hand camera cost? Used camera values depend on  camera depreciation life. According to experts, cameras depreciate 4% - 31% annually.  For example, a $1,000 camera will cost $300 or $400 in the next 10 years. 

That being said, buying a second-hand camera is the most viable option if you’re thinking,” I need the camera immediately “. Let’s talk about how to buy a working second-hand camera and avoid wasting money. 

First off, watch out for age if you’re buying a second-hand digital camera. It’s best to set a standard like refusing to buy a digital camera that’s more than 5 years old. Michael Wright, a camera enthusiast, comments on this:  

“The one thing to watch out for with digital cameras is that age matters. If I were to go back to shooting film, I’d happily use a 60-year-old Leica, Nikon, or Canon, because they’re mechanical, and if anything goes wrong, it can be fixed. Electronics can’t be fixed, only replaced, and after a while spares just won’t be available. The rate of improvement in electronics has slowed down a bit, but newer is still better. I would be a bit cautious about buying a digital camera more than five or six years old.”   - source . 

The second rule is to prioritize buying second-hand cameras from people who are selling their cameras for upgrading purposes. Amit Srivastava, CEO of Pixean, comments on this:  

“If someone is selling cameras because they want to upgrade to newer and better versions, then don’t think twice about buying. Else, don't buy a used DSLR as there could be various reasons behind it. There could be some problem with the sensor, the shutter curtains, or the firmware might be corrupt ” - source . 

A rule to follow, when buying a second-hand camera that uses a shutter, is to ask the seller how many clicks the shutter has had.  James Linn, a photographer and IT consultant, shares his thoughts on this:  

“Each camera has an expected lifespan for the shutters in terms of the number of shutter clicks. Do not buy a DSLR with more than half of the expected shutter clicks used.” - source . 

Finally, if you’re buying a camera from a second-hand online store, then take time to post in forums to ask for suggestions on how to spot defects quickly. 

Where to Buy Used Cameras in New York?

If you can afford to travel, we suggest you try buying from a New York used camera store. New York  was the birthplace of American photography, and within the city, you can find a lot of camera stores that are highly dedicated to preserving the value of old cameras. This section will show you all of the places to buy used cameras in NYC.

The Photo Village

At first glance, the Photo Village might look like it’s an old store for a used camera in New York. However, don’t get fooled because this business just started in 2014. But despite being a new player, the Photo village has numerous collections of second hand cameras in NYC such as Sony, Leica, Kodak, Fuji, Polaroid, Voigtlander, and other brands. Those looking for the cheapest place to buy cameras in New York never fail to visit here. 


Willoughby’s is an electronics store where you can’t only find a new or used camera in NYC but also other electronic devices such as televisions, tablets, smartphones, computers, and more. If it’s second-hand cameras, this place is a wonderful option for it will give you the best used camera bodies from  Nikon, Sigma, Olympus, Fujifilm, Sony, and Leica.

KM Camera is an accredited dealer of popular camera brands. It has a store at Orchard Street and an online store where you can find used cameras in NY. The KM Camera team is not only committed to becoming the best place to buy camera in NYC but also to becoming the best camera shop in terms of customer reviews. 

Foto Care is an iconic used camera store in NYC. The store takes pride in its cameras from top brands such as Sony, Canon, and Nikon. With Foto Care, customers can buy used cameras in New York, trade their old camera, or rent. 

Where to Buy Used Cameras in San Francisco?

Aside from New York, you can also try San Francisco for buying second-hand cameras. Photographers highly recommended are Fireside Camera, Camera Heaven, and Camera Zone and Art Gallery. 

Fireside Camera 

Fireside is one of San Francisco’s oldest independent camera dealers. This humble store that’s known for selling high-quality used cameras in San Francisco is an accredited dealer of popular camera brands like Leica, Canon, Sony, Olympus, and Tamron. Fireside has a website. However, client transactions are all done at its store. 

Camera Heaven 

Camera Heaven is another independent dealer of used camera in San Francisco. Aside from taking pride as the best used camera store in San Francisco for buying vintage cameras of renowned old camera companies, Camera Heaven also takes pride in being one of the few shops that cater to complex camera repairs. 

What Do Redditors Have to Say About the Best Places to Buy Used Cameras?

Companies always mentioned in “ where to buy used cameras” reddit threads are:

Peace Camera Used Items Store

Is It Good to Buy or Sell Broken Cameras?

What for? If you plan to buy broken cameras and get them repaired to save cost, then we tell you that doing so is more troublesome and the amount of money you’ll save is the same as when buying second-hand cameras. On the other hand, if you’re planning to buy broken cameras to repair yourself and sell, then doing so is a good idea. Try Used Photo Pro, this online store has a lot of broken cameras for as low as $7. 

It’s also a good idea to sell a broken camera rather than get it repaired. This is because sometimes, repair costs can be as expensive as buying a new camera. If you’re planning on selling broken cameras, we suggest you sell them to BuyBackWorld or Peace Camera Used Store. 

Should You Get Second Hand Camera Insurance?

There’s no need for you to get stand-alone used camera insurance for your second-hand camera. The smart thing to do is to get it insured through your renter’s or homeowner’s policy. Both will already cover your camera in case of damage. However, there might be exclusions.

Are There Stolen Second-Hand Cameras and How to Spot One?

Online marketplaces and brick-and-mortar stores selling valuable old cameras strictly condemn theft and never sell stolen cameras to customers. However, though the chances might be slim, you can still buy a stolen camera from someone. And in this section, we’ll teach you how to check if a camera is stolen. 

You can always do a stolen camera serial number check. A serial number is a series of numbers unique to every camera unit. Manufacturers engrave this so that owners can track their cameras in case of theft. 

The Sony a7iii and Nikon D7000 are perhaps the most stolen cameras. The Sony a7iii serial number is at the bottom of its body, near the battery compartment. The location of the Nikon D7000’s serial number is the same. 

Once you know the serial number of the camera in your possession, visit websites having a stolen camera serial number list. The best website for Sony a7iii serial number check is Stolen Camera Finder . On the other hand, the best website to check Nikon serial number stolen is Lenstag . 

Where to Sell Old Cameras for Cash?

Some people value old cameras and will be more than happy to have the one you’re having right now. However, before you wonder about ,“where can I sell my camera for cash near me?”,  figure out how much to sell your old camera first, so that you can make the most money and buy a better one. And so, let’s have a quick talk about camera appraisal. 

How to Appraise a Camera?

Those who make a living by selling used cameras determine the price of their goods according to the model unit, the longevity of use, possible defects, and looks. However, you don’t have to do the same. Experts say that those who only sell second-hand cameras on rare occasions can determine old camera value by:

Determining the camera make and model

Visiting online marketplaces or brick-and-mortar stores to see the current list price of the camera make and model 

If you don’t want to do the legwork, then ask yourself “ Is there a camera appraisal near me ?”. Usually, what you should look for is a pawn shop or a second-hand camera store employing someone experienced with antique cameras appraisal.  

But know that there’s no need to go out and look for a camera appraisal service as some appraisers render their services online. Try visiting and . is owned by Dr.Lori, a professional specializing in vintage camera appraisal. To get your camera appraised, all you need to do is schedule a video call or send the photo of your camera to Dr.Lori via email. is another website that helps people determine the value of old cameras to sell. We don’t know who runs this website. However, what we know is that it offers 2 levels of appraisal for old cameras, which don’t take more than 48 hours.  The cost of appraisal service from this website is $5 - $12 and you have to pay using PayPal. In case of disputes, says that it's willing to give a refund. 

How to Sell Your Old Camera?

You can list your camera on eBay. If not eBay, then try Amazon. Obviously, if not eBay or Amazon, then you can sell your old camera on camera shops.  Not all camera shops will be happy to purchase an old camera. And to know which ones buy and which ones don’t, look for a sign that says “we buy cameras” or something similar on their storefront  or their website. 

Where is The Best Place to Sell Camera in NYC ?

Now let’s talk about where to sell a used camera in NYC. According to reviews, B&H is serving as the best place to sell cameras aside from being the best used camera store in NYC (best used camera store nyc). Here are some proofs:

“B&H, very quick and professional! I am a photographer myself though, so when I sold my gear it was just to get credit towards what I was buying” - source . 

“I recently sold a 4-year old used DSLR body and kit lens to B&H. Their online estimate was $75 more than what their ultimate quote was, but I was happy with it overall” - source . 

Repairing Your Camera

Cameras last for long but not forever. And there will come a time when you’re breaking the camera because of carelessness or too much use. 

We understand that you might be just like others who can’t afford to get a new camera right then and there. Can you get a camera repaired in the USA? Absolutely. Cities like New York and San Francisco have a lot of camera repair shops for Nikon, Sony, Canon, and other brands. 

I’m Using Nikon, Where Can I Take My Camera to Get Fixed in NYC?

Look for these businesses if you’re looking for Nikon camera repair in NYC:

Camera Doctor

Nippon Photo Clinic

Photo Tech 

Just in case you’re using Sony instead of Nikon, then these are the best shops for Sony camera repair in NYC:

Chrysler Camera

As you can see, we didn’t include iDropped as one of the best places to get a camera fixed in New York. Here’s the reason; It’s true that Idropped prices are very low and range from $50 - $99+ depending on the repair work needed. But the company doesn’t repair cameras but only laptops, android phones, laptops, and iPhones. 

Where to Get My Canon Camera Repaired in San Francisco?

Repair shops that many recommend for Canon camera repair in San Francisco are:

Seawood Photo Incorporated

Kamera Korner

Wolf Camera

Sony A7iii Shutter Replacement Cost

The average cost of shutter replacement for Sony A7iii is $500 - $650. 

Do Insurance Companies Take Pictures of Your House?

Insurance companies take pictures of their customer’s house. An insurance photo will help with  the approval or rejection of an insurance application or  insurance claim. Let’s talk about security cameras and home insurance. 

Can You Make Money Taking Pictures of Insurance Companies?

Some take pictures for insurance companies and earn money. However, the process is not easy. You’ll have to find a carrier that’s hiring photographers. After this,  you’ll have to prove that you’re a good photographer by sending a portfolio. If you’re hired, then expect to earn $19.56 an hour by taking pictures for insurance companies.

Do Security Cameras Lower Home Insurance?

“I am in the insurance industry in the USA. Most companies I work with give discounts for fire/burglar systems that have central reporting. So home cameras that go to your cell phone, etc won't qualify but an ADT like system that notifies a dispatcher will .” - source

Security cameras can lower home insurance premiums. Many insurance carriers offer a discount to customers who install the right security cameras. But know that there are no commercial laws in the United States that dictate insurance companies to give lower premiums to customers who have security cameras at home. Simply put, it all depends on the carrier. 

Home Insurance Discount for Security Cameras Insurance Companies Offer

Here’s a table that shows the home insurance camera discounts of different carriers in the US:

Do Security Cameras Depreciation Life Affect Insurance?

Carriers might not give you a discount if your house uses an outdated security camera the moment you get homeowner’s insurance. Security camera depreciation life doesn’t necessarily affect insurance premiums. What’s certain is that it will affect your eligibility for homeowner’s discounts. 

Where to Get Home Insurance with Free Security Camera?

The insurance company, Hippo, will give you a free security camera if you decide to qualify for its Smart Home insurance program. Hippo claims that customers who decide to get insured save $64  - $91 on their insurance premiums. 

USAA and American Family don’t really have home insurance with free camera. Nonetheless, they’re worth mentioning as both sell ADT security systems to their policyholders  at very cheap prices, which almost equates to getting a free security camera from USAA or American Family upon buying a homeowner’s insurance. 

Can You Get CCTV Insurance?

Insurance companies right now don’t have a dedicated insurance policy that covers a drop camera pro and  other CCTV cameras.  But know that your homeowner’s insurance or renter’s insurance has personal property coverage that can serve as a CCTV camera protection cover.

Compare Camera Insurance Quotes Online

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Aside from The New Version of the Camera Which I Got Last Year, I Also Plan to Insure Its Accessories. What’s The Best Method to Do So?

If you’re into hardcore photography, then chances are you have several new or old camera gears. A camera is already good for taking photos. However, its capabilities might be limited. And so, camera gears are available to further improve a camera’s functionalities. 

Your photo camera equipment needs protection as much as your camera does. However, your carrier might not cover camera gears or camera equipment in its standard camera insurance policies. And so, you’ll have to get separate insurance for camera gear or insurance for camera equipment.

What is Insurance on Camera Gear?

An insurance on camera gear or insurance on camera equipment functions to protect your camera's attachments. Many professional photographers and hobbyists say that this is the best way to insure camera equipment. The most common camera accessories the policy covers are:

Camera lens

Polarizing filter

Camera repair/cleaning kit

External Flash

Flash transmitter

External hard drive

Just like other insurance policies, insurance for camera gear insurance for camera equipment have exclusions. Carriers, who will insure your camera equipment, will not provide coverage for the following accessories with their camera equipment insurance:

Shoulder strap

Memory card case

How Much is Camera Equipment Insurance?

Camera equipment insurance cost is $45 a month or $540 a year. Cost depends on factors like your location and the total value of camera gear to be insured.

What are The Most Important Considerations When Insuring My Camera Gear?

The first thing you have to do when insuring a camera gear or insuring a camera equipment  is to ask the insurance company, broker, or agent about how their claim process works. Having a clear idea about the claims process is very important to avoid rejection if you need to use your insurance in the future. Confirm if you need to submit a photo or video, submit copies of the original receipt, or submit the serial numbers of the camera gears to prove you own them. 

The second consideration when you insure a camera gear  or insure a camera equipment is to think about how much you'll get from your insurance policy. Will your insurance  account for the full value of your camera gears? Or will it only account 60% - 80%? Also, it’s important to know if the policy limit applies to all gears insured or if there’s a sub-limit for particular camera gears. By the way, the will account for the full value of insured camera equipment and will have sub-limits for comprehensive coverage. 

“What’s the third consideration when planning to insure my camera equipment?”, The third consideration - for finding the best insurance for camera gear - is the number of claims you can make.  Some camera gear insurance companies allow you to make an unlimited number of claims - these are the best by the way. On the other hand, others will only allow you to make 3 claims or 5 claims then cancel your policy. These are the ones that you should avoid. 

By the way, if you’re looking for live tips about camera gear insurance, we suggest you go to camera equipment insurance reddit threads or camera gear insurance reddit threads. Just post a question, and soon enough, hundreds of answers will be posted. 

Where to Rent Camera Equipment in San Francisco or New York?

The best places where you can rent camera lenses, tripods, and other camera accessories in San Francisco are Looking Glass Photo & Camera, Studio B Camera Rentals, and Chater Camera. On the other hand, the best shop for renting camera equipment in New York is Borrow Lenses NYC. 

What is Camera Equipment Rental Insurance?

A renters insurance for camera equipment works the same way as a camera rental insurance. The policy will help you pay the real owner in case their camera equipment got damaged in your possession. 

Is There Travel Insurance for Camera Equipment?

International travel with camera gear can be problematic. Your camera gear bag might get lost in the airport, get taken by a thief in a restaurant or tourist location, or  get left in a taxi. And so, you should consider insuring camera equipment for travel.

There are carriers that offer travel insurance for camera equipment.  This policy is basically a standard travel insurance with an optional coverage that accounts for your camera gear.  But there’s a limit on how many accessories you can insure and travel insurance carriers will only allow you to cover $400 - $600 worth of camera gear. 

Where to Get The Best Travel Insurance for Camera Gear?

The best travel insurance for camera equipment right now are Holiday Travel Extras, World of Nomads, and Protect Your Bubble. Many have been insured by these companies and enjoyed hassle-free international travel with camera gear. 

Holiday Travel Extras provides the best option to insure camera equipment while traveling as it can give you $1,000 - $3,000 coverage for accidental damage, theft, and malicious damage or loss. 

World of Nomads, on the other hand, is great for insuring only 2 - 3 camera accessories. Note that this company allows you to add camera gear coverage to your standard travel insurance. 

Protect Your Bubble is the best if you’re planning to have numerous camera equipment covered by photo gear insurance. The company uses a set pricing and doesn’t determine insurance premiums based on the number of camera gears to be insured. 

Where to Buy Camera Equipment?

The best places to buy camera equipment  - not the mainstream overrated ones - are Abe’s of Maine and Precision Camera and Video

Go to Abe’s of Maine if you’re looking for one of the best places to buy camera gear in New Jersey. This one doesn’t compare to the popular Adorama or B&H. However, Abe’s of Maine has a wide collection of camera equipment in its inventory and sells them at very cheap prices. 

Precision Camera and Video is the best camera equipment store in Texas. If you’re far from Texas, take the time to travel as this store is worth the visit. Precision Camera and Video puts generous discounts on its camera equipment. This store even has a photo studio where you can test your newly purchased gears. 

How to Get Free Camera Gear?

New businesses give freebies on their opening day to their first customers. And so,  one simple thing to do to get  your old camera equipment replaced with a new must have camera gear is to explore cities or ask people online for new camera shops. 

Look for a buy-one-take-one offer when you plan to buy camera equipment. For example, during the holidays, some camera stores give promos and sell camera lenses together with a free camera hoods

The final method is to scour the internet for freebies. Through search engines, you can find a lot of websites that give photo camera equipment for free. Examples are Camera Giveaways and Tomoson. 

Camera Giveaways might not look much as its website looks very simple. However, there are online testimonials that prove that it does give camera equipment for free.

Unlike Camera Giveaways, Tomoson looks very legit even at first glance. However, there’s a catch. You can only get free camera equipment from Tomoson if you’re an influencer. Getting a camera from Tomoson is very simple. All you have to do is register, file an application for free camera equipment, and wait for the products to be shipped if approved.  Note that Tomoson is very good as its freebies are not the usual generic cheap camera equipment or cheap camera gear but are the high-quality pieces of the best brands. 

What to Do with Old Camera Equipment?

If your old camera equipment works fine, it’s best if you sell them as second-hand items. By doing this, you can recoup 60% or 80% of your total investment to have those old camera gears in the past. We suggest you sell first to someone you know, so that it’s easy to negotiate how much you want to get from selling your used camera equipment. 

If you want to sell to strangers, then we suggest you sell used camera gear online. The best methods for doing this arei by listing your camera gear on Facebook marketplace (no listing fee required) and eBay. How about Amazon? Amazon sells cheap photography accessories and cheap photography supplies so it’s a good option too.  

Are you not good at sales talk? If this is the case, then you should visit stores where old camera equipment are wanted. Examples are pawnshops and stores buying used camera equipment in NYC.

Rank and Review Insurance Companies

Help others make better decisions.

Lemonade Insurance

Photography Equipment Insurance

Note that camera gear insurance will only cover the attachments on your camera.  It will not provide coverage for photography lighting, photography backdrops, softboxes and reflectors, and photo editing computer. The insurance policy that provides coverage for these is photography gear insurance or photo equipment insurance. 

Those running a photo studio opt to get coverage for their camera, camera accessories, and photo equipment through photographic equipment insurance. This is because the policy provides coverage to all devices used in photography. 

Insurance for photography equipment is only available as a stand-alone policy or as additional coverage in photographer’s business insurance.

Just like camera insurance, photographic insurance can cover all types of photography equipment against theft, intentional damage, and accidental damage. 

Does Geico Have Equipment Insurance for Photography?

Geico equipment insurance can serve as photo gear insurance. However, coverage is only possible if you’re running a photo studio. This is because the company only allows you to insure photography gear by getting optional equipment breakdown coverage on standard photo insurance for business.

Which is Better? Camera Insurance or Photographic Equipment Insurance?

If you’re only insuring a camera, then a camera insurance policy is better than a photographic equipment insurance policy. It’s because the former provides a more straightforward process in insuring a camera than the latter. 

On the other hand, if you want to get coverage for your camera, camera accessories, and photography kits, then it’s best to get professional photography equipment insurance because it has higher policy limits. 

Where to Get the Best Insurance for Photography Equipment?

We suggest you try Full Frame Insurance. Full Frame covers all types of photographic equipment used in photo studios at a set fee. Also, its photographic equipment insurance policy doesn’t have any deductibles. 

Full Frame insurance reviews are very positive and many photo studios recommend this company. By the way, aside from insuring equipment for photography,  the company also offers Full Frame photography insurance, which includes liability coverage with no deductible. 

You can buy Full Frame equipment insurance online or through full frame agents. By the way, if you’re only insuring a camera, go for Lemonade instead. 

Can I Use Travel Insurance to Insure My Equipment for Photography?

A camera and its accessories are the only equipment for photography that can be covered by travel insurance. Other photographic equipment are excluded by carriers. In simple terms, there’s no travel insurance for photography equipment. 

But know that even if you can’t get photography equipment travel insurance, you can still get covered. But how? You can insure equipment for photography using inland marine insurance. 

Can You Buy Photographic Equipment as a Set?

You can buy photography equipment for studios as a set. This includes a lighting box, backdrop, photography umbrella, lighting kit, and more. 

How about cameras and other photography equipment? Are these sold as a set? The answer is no. A professional photography kit from stores rarely includes a camera or camera accessories. Cameras are sold individually or may be sold with a free lens or tripod as a freebie. 

Is It Good to Buy Used Photography Gear?

The answer depends on where you’re buying.  Buying used photographic equipment from a stranger is not good as they always come with issues. On the other hand, photography gear from second-hand stores  were checked for quality and repaired before being  displayed for sale again. Therefore, buying them is a good option. 

Where to Look for Cheap Photography Equipment?

Look for cheap photography equipment in New York. Visit shops like Pro Image, Shotkit, and Robert’s Cameras, which also happen to be part of the best places to buy used photography equipment in NYC. 

You can also look for cheap photo equipment in San Francisco. The store we recommend you visit to find photography equipment that’s cheap is Digital Powell which sells professional cameras and equipment  for newbies, hobbyists, and professionals. 

Film Equipment Insurance

If you’re into photography or filmmaking, know that the equipment in your possession right now might not be covered by photographic equipment insurance. The reason is obvious. Photography equipment and professional filming equipment are not the same. 

The insurance that will cover your possessions is film equipment insurance or video equipment insurance. Equipment you can cover using this policy are video cameras, external video camera lights, three-point lighting kits, shotgun microphones, shock mounts, XLR cables, and more. 

Note that aside from brand new movie equipment for filmmaking, you can also use this policy to insure used movie equipment. 

By the way, if ever you only want to get your DSLR film gear covered,  like the audio recorder attachment, hood loupe, density filter, slider, and  shoulder rig; Then you can also qualify for a video camera equipment insurance, which is a least comprehensive version of insurance for film equipment. 

You can get video production equipment insurance or film equipment insurance as a stand-alone policy. But you need to also know that it’s available as an optional coverage in business insurance policies like video production insurance or videography insurance. 

Where to Get Production Insurance in NYC?

Companies that offer production insurance for filmmakers and videographers in New York are Eaton Insurance and Rowin Insurance. 

Eaton Insurance offers a production insurance policy with film equipment hire insurance coverage. Aside from insuring your film equipment, Eaton Insurance also insures you against legal liability, extra expense, and more. In case you’re looking for temporary production insurance with worldwide coverage, know that Eaton has this too. 

Rowin Insurance, on the other hand, has 40+ years of experience insuring filmmakers, producers, and videographers. This company has production insurance with film equipment rental insurance coverage. 

What is Video Equipment Rental Insurance?

A video equipment rental insurance or a film equipment rental insurance is a policy that provides coverage to any rented film equipment. Through this insurance policy, you can afford to pay the owner if ever the equipment got damaged or stolen in your possession. 

How to Get the Best Film Equipment Insurance?

Try comparing insurance quotes. By doing so, you’ll find the carriers that offer cheap production insurance quotes offering stand-alone or bundled film equipment insurance coverage. Start your comparison using our page. Click the “Get Quotes” button, fill-up the form, and receive quotes from the top carriers in the United States. 

Camera Lens Insurance

The United States doesn't have insurance companies with specialized insurance policy that covers camera lenses. You can get your camera lens covered using your homeowner’s insurance or renter’s insurance. Another way to get coverage is to qualify for a camera and lens insurance policy. 

How Much Do Camera Lenses Cost?

The cost of standard-zoom lenses is  $240 - $2,314. On the other hand, exclusive lenses for professional photography cost $1,500 - $30,000. If you’re buying a professional lens, it’s best to ask the seller if you can have it through a camera lens payment plan. 

Where to Get Camera Lens in New York?

There are two places we recommend if you want to get the best lenses in New York City, Lomography Gallery Store and Audio46. 

Where to Buy Used Lenses in NYC?

The best stores for buying used camera lenses in NYC are Eliz digital, Panorama Camera Center, Sell Camera and Lens NYC, and Marcy Camera & Electronics. 

Where  Do You Find Canon Lens Repair in NYC?

The best stores to visit if you’re looking for canon camera lens repair in NYC are Advance Camera, Photo Works, and Peak Design. 

Where to Sell Camera Lenses for Cash Near Me?

It’s hard to sell broken camera lens. However, you can try listing it on eBay for a very cheap price. You can also visit camera repair centers and ask the technician if they pay for a broken camera lens. 

Recent Reviews


Marie Griffin Insuranker

Policy Type: Home Insurance

Company name: Liberty Mutual Insurance

I purchased a “deluxe” homeowners policy from Liberty Mutual. Nowhere in the policy does it mention whether or not underground water lines are covered or not, snd they do not advertise the “waiver” I could have gotten so that those lines would be covered. The first I heard about this waiver was when the representative told me I wasn’t covered because I didn’t have it. And they advise “customized” home insurance. Pure B.S.

I wish I had never signed up with this company . My car was destroyed in a terrible storm . They cheated me out of $2500 on the value of it . Then they denied a home claim even though I had two expert opinions stating the cause of the damage. And best of all , you get adjusters in a foreign country who are impoossibl3e to understand and who RARELY bother to communicate with you . Horrible experience.


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Debbie Gibbs Insuranker

Company name: Berkshire Hathaway GUARD Insurance Companies

They deserve no stars. I caution everyone to read their policy. They added a page in the back that we did not discuss that changed my deductible from 2% of the damages to 2% of my coverage amount. Meaning when my roof was damaged in a tornado they made my deductible $8100 instead 1000. They are despicable and I am suing.

Worst company ever. Bad customer service. I canceled my homeowners insurance policy and they kept righting new ones. They never canceled my insurance with my mortgage company and they kept taking money. I had to fight this for a year and still waiting for a refund. They are thieves and criminals. Stay away!!!

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11 Best Travel Insurance Companies in February 2024

Sean Cudahy

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

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

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Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

  • Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection


Berkshire Hathaway Travel Protection

  • Policies are average in price.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple types of insurance available.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $56 for our sample trip, the ExtraCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

Even cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExtraCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance


Annual or single-trip policies are available.

  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • Cheapest option doesn't include medical coverage.
  • Rental Car Damage Protector add on is only available for higher-cost plans.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG


Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Car rental coverage is available as an add-on.
  • CFAR upgrade is only available for higher-cost plans.
  • Enhancement bundles will up your coverage price.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $75 for our sample trip, the Essential plan was about average.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International


Travel Insured International

  • More affordable than average.
  • Ideal medical-only coverage if you have trip interruption benefits from a credit card.
  • CFAR upgrade is not available as an add-on.
  • Basic plan is medical only; next level costs above average.

Travel Insured International offers several customization options. For instance, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads


World Nomads

  • Travelers can extend coverage mid-trip.
  • Plans automatically cover 200+ adventurous activities.
  • No CFAR upgrades available.
  • No pre-existing medical condition waivers available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($81 for our sample trip) provides less coverage than the higher-priced Explorer but can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services


Travelex Insurance Services

  • Coverage can be purchased after trip departure.
  • Few customization opportunities on the Basic plan.

For starters, basic coverage from Travelex Insurance Services came in at $63, nearly 17% below average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners


Seven Corners

  • Annual, medical-only and student plans are available.
  • CFAR upgrade is available for the cheapest plan.
  • Offers only one annual policy option.
  • Cheapest plan offers only secondary medical coverage.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Italy costs $75 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG


  • Only one plan offers CFAR as an add-on.
  • Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $58 for our trip to Italy — more than 20% below average.

Read our full review of IMG .

What else makes IMG great:

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg


  • Domestic-only coverage available.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $64 for our sample trip, knocking about $10 off the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe


  • Covers up to $300 in eligible fees incurred for redepositing points and miles for award flights.
  • CFAR upgrade is only available for highest-cost plan.
  • Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $89, the Basic plan was among the more expensive for our trip to Italy.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance


HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 12-hour delay is required for baggage delay coverage.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $73, the TripProtector Economy policy is just below the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverage are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

What’s not covered?

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.


In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.


We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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15 Best Travel Insurance Companies of 2024

Jeremy Scott Foster

  • Last Modified: December 11, 2023

Travel Insurance Companies

TravelFreak is reader supported. Your engagement on this site allows us to bring you this content for free. Because this website contains affiliate links, if you make a purchase through these links, we may earn a commission at no extra cost to you. This has absolutely no effect on our recommendations or evaluations. Thank you for supporting our mission!

The word “insurance” can be intimidating. Maybe it’s because big insurance companies are notorious for bullying every penny out of you. Or maybe you just don’t want to think about worst-case scenarios in which you’d actually need insurance. On top of that, comparing all the options can be daunting.

The truth is that purchasing travel insurance (and also using it) doesn’t have to be a terrible experience.

Travel insurance is ultimately your friend. It’s arguably your most loyal travel companion. In times of turmoil, travel insurance can quite literally save you.

What is travel insurance? It’s not just travel health insurance—if you have to cancel or change trip plans, travel insurance can help financially. And if you lose your luggage, travel insurance can cover you there, too.

As a wise man once said, “If you can’t afford travel insurance, you can’t afford to travel.” I don’t know who that wise man was, but I do believe he was right.

That said, some travel insurance companies are better than others. This is especially true depending on your travel plans and specific needs. In this article, I’ll help you figure out who the best travel insurance companies really are (and which one is the best fit for you).

If you want to skip the research and get a customized comparison and quote of 104 policies from 23 travel insurance companies, just enter your trip details into the SquareMouth widget below.

Let’s jump right into my list of the 15 best travel insurance companies:

  • Best Travel Insurance Company Overall: Heymondo
  • Best Nomad Travel Insurance: Safety Wing
  • Most User-Friendly Travel Insurance: Faye
  • Best Travel Medical Insurance: Trawick
  • Best International Travel Insurance: Allianz
  • Best Travel Insurance for COVID: John Hancock
  • Best Backpacker Travel Insurance: Seven Corners
  • Best Travel Insurance for Cruises: Nationwide
  • Best Travel Insurance for Seniors: Tin Leg
  • Best Cancel for Any Reason Travel Insurance: Travelex
  • Best Travel Insurance for Europeans: Globelink
  • Best Annual Travel Insurance: AIG Travel Guard
  • Best Family Travel Insurance: IMG
  • Best Travel Insurance for Pre-Existing Conditions: Berkshire Hathaway
  • Best Travel Insurance for Europe: AXA Assistance USA

1. Heymondo : Best Travel Insurance Company Overall


Insurance companies aren’t known for being super easy to work with. Customer service often isn’t great, and it’s difficult to find a plan that gives you what you want without having to pay for unnecessary extras.

Heymondo is a more modern travel insurance company that prioritizes flexibility and ease of use, and they really stand out from the cloud. They have a mobile app that makes it super easy to manage your policy, and their 24/7 customer service is very responsive.

Most insurance companies only offer a few standard plans, and you are stuck to fixed dates. Heymondo changes that with a wide range of plans, add-on options, and customizations. Need high-end medical insurance? Check. Want a budget option for backpacking around the world? Check. Want an annual plan for frequent business trips? Check.

With all the options to choose from, the reasonable prices, and the great service, Heymondo is an easy pick for the best travel insurer overall.

The Heymondo Long Stay Plan works differently with a flexible renewal system that makes it easy to stay on the go for a month or twelve months and go with the flow. This is probably the most flexible plan out there for long-term travel.

If you don’t need comprehensive coverage for trip cancellation or other potential trip costs, Heymondo offers a medical-only plan that offers top-level medical insurance and emergency medical evacuation coverage at an impressively low cost. This is a great way to get medical insurance while traveling without spending an arm and a leg.

Heymondo’s other plans have all the standard options like trip cancellation coverage that reimburses 100% of your trip cost if you have to cancel (for one of their approved reasons, of course). They also have options to add on coverage for electronic equipment, adventure sports, cruises, and more.

If you make frequent shorter trips, there’s also an annual plan that covers multiple trips for an entire year.

It doesn’t make sense to purchase travel insurance that doesn’t fit your needs. Heymondo gives you plenty of options to customize your plan to your specific circumstance so you can get exactly what you need without paying extra.

  • Tons of options to choose from so you can purchase coverage that fits your needs
  • Very affordable rates available
  • Flexible renewal option with the Long Stay Plan
  • Skiing and snowboarding aren’t covered activities (even with the adventure sports add-on)
  • No Cancel For Any Reason coverage

2. SafetyWing : Best Digital Nomad Travel Insurance


If you plan to be on the road for an extended period of time, and if you’re a digital nomad, then SafetyWing is one of the best travel insurance companies for your needs.

In short, other insurance companies only cover your travels up to a limited amount of time, but SafetyWing allows you to have complete coverage for as long as you like! Your plan automatically renews every four weeks until you decide to cancel, just like a subscription.

Being location-independent, digital nomads and freelancers need insurance for travel that’s just as flexible as they are.

Furthermore, SafetyWing’s policy comes with $100,000 for both emergency medical coverage and emergency evacuation coverage in over 180 countries. Up to $1,000 in emergency dental care coverage is also included.

Although trip cancellation is not included in the plan (which can be a deal-breaker for some long-term travelers), they do offer trip interruption and trip delay coverage.

If you need to return home from your trip early, you’ll be reimbursed up to $5,000. You’ll get $100 per day if your trip is delayed, and you can claim up to $3,000 for lost/damaged baggage.

Finally, there’s coverage if you have to return home at any point. This is excellent for digital nomads who like to come and go as they please.

There’s a caveat: expensive equipment like laptops, cameras, and smartphones do not have coverage under the SafetyWing policy. If you want to make sure your equipment is protected on your trip, consider a supplemental coverage plan with InsureMyEquipment .

Click here to read our full SafetyWing review , or check out our SafetyWings vs World Nomads comparison .

  • Travel for as long as you like
  • Your plan automatically renews until you decide to cancel
  • Trip delay coverage and trip interruption coverage are included
  • Coverage for at home
  • Just a single standard plan to purchase (no multiple policies)
  • No trip cancellation coverage
  • No coverage for electronics

3. Faye : Most User-Friendly Travel Insurance


Insurance companies aren’t typically known for being user-friendly. Long call waits, confusing policies, and clumsy interfaces are common, even among some of the most reputable travel insurance providers.

Faye is here to change that with a more modern approach to purchasing travel insurance. They use an app-centered approach that lets you choose your policy, customize your coverage, make changes, and file claims all from one app on your phone. The whole process is super streamlined and easy to use.

Faye is pretty middle-of-the-pack when it comes to travel insurance costs, but they offer great value for that money. They pack in solid medical coverage, trip cancellation coverage, trip interruption insurance, and lost luggage protection. You get all the standard features you expect from a good insurance policy, plus some great add-on options.

Faye is also a great choice for people with pre-existing medical conditions. These are covered as long as you purchase your plan within 14 days of making your first trip payment and are able to travel at the time of purchase.

Rather than offering different levels of insurance packages like many other providers, Faye has one simple plan that you then can customize as you see fit. This is a much easier way to get what you need rather than comparing and contrasting packaged plans.

I love being able to customize my travel policy to fit my exact needs, and Faye offers a lot of customizations and add-ons. You can bump up the medical coverage or add coverage for “cancel for any reason,” car rentals, extreme sports, vacation rentals, or even pet care. I love the flexibility to pick and choose what you need and what you don’t.

Faye’s newest feature is an included Telemedicine network. No matter where you are in the world, it’s easy to get in touch with one of their thousands of medical providers directly through the app. I’d call that next-level service when it comes to travel insurance companies!

Looking for an easy-to-use 21st-century solution to travel insurance? Faye is a great option.

  • Super easy app-based system
  • Included coverage for pre-existing conditions
  • Lots of add-ons to customize your policy, including Cancel For Any Reason
  • Telemedicine feature gives you access to thousands of medical providers wherever you are
  • Limited lost/damaged item coverage
  • Not the cheapest option

4. Trawick International : Best Travel Medical Insurance

Trawick International

Trawick International was founded in 1998 and initially offered student insurance and insurance for study abroad programs. They built upon their success in that field to transition fully to the travel industry, and now they are one of the top travel insurance providers out there.

Ultimately, the most important part of any travel plan is the medical coverage. Having trip cancellation coverage, baggage delay coverage, and other insurance to insure the trip cost is great, but ultimately that’s all just for peace of mind. Travel medical insurance can be a lifesaver and literally save you tens or hundreds of thousands of dollars in medical costs if you are injured or become ill on your trip.

If you are looking for the absolute best comprehensive medical coverage, Trawick International offers some fantastic travel medical insurance plans with high coverage limits and waivers for pre-existing conditions.

Trawick offers medical-focused plans (no trip cancellation coverage, etc.) that are much lower than typical full-out travel insurance costs. This is a great way to get the most important insurance without spending lots of money. Plus, you still get coverage for trip interruptions, flight delays, and baggage delays/lost baggage.

Trawick also offers comprehensive travel insurance with add-on options for cancel for any reason coverage. It probably wouldn’t be my first pick if you want all the best trip insurance, though.

  • Excellent medical coverage
  • Lots of options for customization
  • Cancel for any reason coverage options
  • Very affordable medical-only plan options
  • Higher comprehensive travel insurance cost than some competitors

5. Allianz : Best International Travel Insurance

Allianz Logo

Allianz Global Assistance is one of the largest and oldest and best companies in the industry. With multiple plans, policies, and benefits to choose from, Allianz likely has a travel insurance plan that suits your needs.

For international trips, Allianz travel insurance has some basic policies that offer coverage for only trip cancellation and not travel medical, while other policies include trip interruption coverage, coverage for loss or damaged baggage (but only up to $500 per item), and baggage delay coverage. That’s all super important when you’re traveling internationally because you don’t want to be stuck with big bills while you’re far from home.

The AllTrips Executive plan from Allianz has coverage for ALL of it—including medical coverage up to $50,000, and emergency transportation up to $250,000. Allianz also has several affordable and optional add-ons, like rental car coverage from $9 per day.

One of the best features of Allianz insurance plans is their generous cancellation policy. Most insurers have very strict requirements for approved reasons you can cancel your trip and still get the reimbursement. Allianz is easier to work with and offers cancel for any reason coverage as a standard feature for many of their higher-level plans.

Want to learn more? Check out our full Allianz Travel Insurance review.

  • Lots of plans to choose from
  • Travel freely for a year on an annual plan
  • Great trip cancellation coverage (including optional cancel for any reason)
  • Fast and reliable service
  • Optional add-ons, like car rental coverage
  • Lower medical coverage compared to other plans

6. John Hancock : Best Covid Travel Insurance

John Hancock

Whether you like it or not, Covid has changed travel forever. Most countries may have lifted Covid-related travel regulations by now, but there are still a few countries with Covid restrictions .

If you are still worried about Covid or are traveling to a country that still has restrictions in place, it makes a lot of sense to purchase travel insurance that covers any potential Covid-related delays or trip costs (like additional hotel stays or flight changes for quarantines).

Fortunately, most travel insurance companies now offer some form of coverage for Covid. Some companies just treat it like any other illness and cover it under their medical insurance, while others have specific Covid-related policies that cover quarantine and trip delay expenses.

John Hancock has some of the best insurance policies if you’re worried about Covid-19. If you catch the ‘Rona while traveling abroad, they’ll cover your medical bills as well as any testing and lodging for a quarantine period.

Beyond Covid, John Hancock just offers good value travel accident insurance overall. You get solid coverage with trip cancellation and interruption insurance (including optional cancel for any reason coverage) and all the other features you’d expect from a comprehensive plan.

  • Great protection for Covid-related expenses
  • Cancel for any reason coverage available
  • Solid medical coverage
  • Higher prices than many of their competitors
  • Less user-friendly than some other insurance

7. Seven Corners : Best Backpacker Travel Insurance

Seven Corners Logo

If you’re loading everything up in a backpack and heading out for an extended trip overseas, you’re likely already stretching your funds to your limit. Purchasing travel insurance for backpackers is still a very (VERY) good idea, but you’ll probably want to find a plan that’s as affordable as possible.

Fortunately, Seven Corners offers simple, affordable plans that are perfect for backpackers seeing the world on a budget. Seven corners plans offer great bang for your buck with simple, value-packed options and reliable insurance worldwide.

With Seven Corners plans, you get all the standard travel insurance coverage you would expect: emergency medical coverage and medical evacuation, trip cancellation and interruption, baggage loss, and more. Seven Corners has two travel insurance plans to choose from: Trip Protection Basic and Trip Protection Choice. The Choice plan offers higher reimbursement amounts and a waiver for existing medical conditions.

If you don’t want or need trip coverage, Seven Corners offers insurance only for medical expenses and medical evacuation for an even lower overall cost. This is a good way to keep your expenses really low while still having the most important coverage for unforeseen events.

  • Customizable group plans available
  • Seven Corners has consistently positive reviews
  • Must pay more for pre-existing condition coverage
  • No cancel for any reason coverage with Seven Corners

8. Nationwide : Best Travel Insurance for Cruises

Nationwide Travel Insurance

Did you know that you could purchase specific cruise insurance? Nationwide has an insurance plan for that (actually, a few travel insurance plans). Cruises can be a significant expense, and you’ll feel a lot better knowing that your trip is protected.

Nationwide provides unique cruise insurance coverage for issues related to cruise travel, including coverage for port-of-call itinerary changes made by the cruise line before departure, coverage for mechanical breakdowns on the ship, trip delay coverage in arriving to or departing from ports of call, and coverage for shipboard service disruptions.

Nationwide currently has three types of cruising travel insurance plans available: a Universal Cruise Plan, a Choice Cruise Plan, and a Luxury Cruise Plan. Universal is the most basic insurance policy, offering up to $75,000 for travel medical coverage and $250,000 for emergency evacuation insurance. Their trip cancellation covers up to 100% of non-refundable trip costs, while their trip interruption coverage is up to 125% of non-refundable trip costs. Yes, that includes weather-related events.

Their best and most comprehensive travel insurance plan is the Luxury Cruise Plan, for the really serious cruiser. That includes higher coverage limits as well as some extra perks like Cancel For Any Reason, non-medical evacuation coverage, and an existing condition waiver.

  • Purpose-built cruise insurance policies with high coverage limits
  • Great travel assistance and customer care
  • CFAR coverage available under the Luxury Cruise Plan
  • Their most basic cruise insurance plan doesn’t have great medical coverage
  • Not the cheapest policy options

9. Tin Leg : Best Travel Insurance for Seniors

Tin Leg Travel Insurance

For many people, retirement age is the time when you are finally able to plan and go on those big worldwide trips you’ve always dreamed about. Unfortunately, many travel insurance companies only offer coverage for people under a certain age. That’s where Tin Leg comes in.

Tin Leg’s insurance offers coverage for you up to age 90, making it one of the best travel insurance companies for seniors over the age of 65.

Although Tin Leg is relatively new, they’re underwritten by Berkshire Hathaway, so they’re already well established. Tin Leg also has some very competitive rates for their travel insurance plans, with their most basic insurance for travelers being the Tin Leg Economy Plan with basic trip cancellation coverage and medical coverage with limits up to $20,000.

But if you’re a senior, the Tin Leg Luxury travel insurance plan is the way to go—you’ll have coverage for up to $100,000 in medical and $250,000 for medical evacuation coverage and repatriation.

Whether you’re planning an around-the-world trip for your retirement, or just taking your grandkids on a European vacation, you’ll be happy to have Tin Leg as your insurer.

  • Will insure you up until you’re 90
  • Great emergency medical coverage
  • Coverage for existing medical conditions
  • Can still be more expensive for seniors

10. Travelex : Best Cancel For Any Reason Travel Insurance (CFAR)

Travelex Travel Insurance

When insurance companies offer trip cancellation insurance, they typically place very strict requirements on how, when, and why you can cancel and still receive reimbursement. Sometimes policies will only pay out for trip cancellation if there is some catastrophic event. If you want a bit more assurance, you’ll need to opt for Cancel For Any Reason (CFAR) coverage.  

With Travelex it’s easy to upgrade any plan with Cancel For Any Reason protection, which allows you to cancel your trip at least 48 hours before your scheduled departure and still receive up to 75% of the trip cost, up to $10,000. While other travel insurance plans also offer CFAR, it’s more common for them to cover around 50% of your total trip cost.

In addition, Travelex is also one of the most customizable companies in the insurance industry today (our Travelex insurance review dives deeper into this). 

Besides the optional add-ons to your policy, Travelex offers two different plans available to choose from, offering different types of coverage. Travel Basic, while affordable, only covers $15,000 of travel medical emergencies and $500 of lost or damaged baggage. However, it does include $100,000 coverage for emergency medical evacuation.

Travelex also has a second plan, Travel Select, which includes $50,000 emergency medical coverage, $1,000 lost or damaged baggage coverage, and $500,000 medical evacuation coverage. Moreover, you get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

Finally, Travelex has one of the shortest look-back periods for medical conditions. While other companies have a window of 180-days, Travelex’s window is just 60 days. Travelex also offers an existing medical condition exclusion waiver to cover your condition while you’re abroad.

  • Multiple children under 18 are covered for free
  • Plenty of optional add-ons for your policy
  • Medical maximum policy upgrades
  • Costs more than other plans on the market

11. Globelink : Best Travel Insurance for Europeans


If you’re a traveler from the United Kingdom or the European Union, your best bet for travel insurance is with Globelink . Prices start at just £14 ($18) for single trip plans, making it one of the most affordable options on the market.

Even the basic economy insurance includes £5,000,000 of emergency medical expenses. And £2,000 of trip cancellation coverage. In addition, if you plan to take multiple trips throughout the year, Globelink also offers multi-trip plans. They include £10,000,000 of emergency medical expenses and £6,000 of trip cancellation coverage.

Depending on where you’re traveling, you can purchase three types of destination plans. This includes Europe (and Australia and New Zealand); worldwide excluding the US, Canada, Mexico, and Japan; or worldwide all-inclusive. In other words, you have options for policies to suit your needs.

  • Coverage for winter sports is free up to 17 days
  • Coverage for children under 18 is free
  • Option to add extreme sports, valuables, and event coverage
  • Travel to the US, Canada, Japan, and Mexico costs extra

12. AIG Travel Guard : Best Annual Travel Insurance Plans

Travel Guard

For frequent travelers, it can make a lot more sense to buy an annual plan that covers all your trips for an entire year. The Travel Guard Annual Plan is one of the best out there and can save you a lot of cash if you have several trips planned. In fact, this plan isn’t that much more expensive than higher-end single-trip plans from many other providers.

This plan includes solid travel medical expense coverage (including medical evacuation. You also get all the standard trip insurance in case flights are canceled or delayed.

One area where this plan isn’t as great is for trip cancelation insurance. You have to meet some very strict requirements to receive reimbursement for cancelling a trip.

AIG is a highly respected and reliable company with good customer service, so you can count on them to have you covered on international trips.

So, if you’re traveling a lot and are looking to cut down on travel insurance costs, the AIG Travel Guard Annual Plan is a much better option than trying to purchase coverage for each trip individually.

  • Flat rate for multiple trips through an entire year
  • Much more affordable for frequent travelers
  • A reliable, well-respected company with solid service
  • Doesn’t have great trip cancellation coverage
  • Lower amounts for lost/damaged baggage coverage

13. IMG : Best Family Travel Insurance

IMG Global

No matter which way you spin it, traveling with a family is expensive, and the idea of adding a new insurance policy to all your other expenses can make your wallet start to hurt. Still, you absolutely need travel accident insurance to ensure your family is protected while abroad.

The good news is that IMG offers a wide range of family-friendly plans to protect you in unforeseen events. It’s simple to put in your departure date and return date, add family members, and get a comprehensive quote. You then get a range of plans to choose from based on your needs and budget.

IMG family plans range from minimal medical-only plans to high-end comprehensive policies with personal effects coverage, CFAR coverage, and even cruise insurance. The great news is that since their travel insurance plans cover a wide range of budgets and needs, you get to choose exactly how much coverage you want to pay for. 

Amazingly, many of their family plans manage to be less expensive than individual plans from some other providers while still offering great overall protection. That is a major win when you’re planning a trip with a family.

  • Affordable plans for families
  • Easy process to add family members to a quote
  • Either medical-only or comprehensive travel coverage options available
  • Customer service is harder to get ahold of than some providers

14. Berkshire Hathaway : Best Travel Insurance for Pre-Existing Conditions


If you have any chronic or pre-existing medical problems, you know that finding insurance can be difficult and expensive. Most insurance companies like to keep the risk of having a claim low, so they make it harder for people with medical conditions.

Fortunately, Berkshire Hathaway does things a little differently with their travel coverage plans. While most other providers offer options to pay more to waive medical condition exclusions, Berkshire Hathaway includes a pre-existing condition waiver as a standard feature in all their plans, even the least expensive. No extra fees. No hoops to jump through. Berkshire Hathaway Travel Protection is easily one of the best options for people with existing medical conditions.

In addition to insurance for medical emergencies, you also get everything you’d expect from comprehensive travel insurance policies. You get trip delay insurance, trip cancellation coverage, personal effects coverage, and more. Plus, the highest-level plan includes CFAR coverage.

All in all, Berkshire Hathaway Travel Protection offers some solid insurance options, especially for people who may have a hard time getting insured elsewhere because of their medical history.

  • Pre-existing condition waiver included with every plan
  • Very affordable plans available
  • Highly reputable company with great service
  • Relatively low travel medical insurance coverage limits
  • Berkshire Hathaway Travel protection is not available in all states

15. AXA Assistance USA : Best Travel Insurance for Europe

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Travel insurance is all about peace of mind: when you’re far from home, you want to know that you’re covered in case something happens, whether that’s a delayed flight, lost bag, or a major injury.

At the same time, insurance costs can add up quickly, and the odds are your wallet is already hurting from all the other travel expenses. When it comes to getting the best bang for your buck, AXA Assistance USA is the absolute best option I’ve found. Not only are they one of the most respected and reliable travel insurance providers, but they also manage to offer solid coverage at some pretty impressive prices.

Like any other travel insurance provider, AXA Assistance USA gives you trip cancellation coverage, medical coverage, and emergency evacuation coverage, but there’s also a lot more included in each policy.

The AXA Assistance USA Platinum Plan (which is still less expensive than lower-level plans from many other providers) offers coverage for trip interruption up to 150% of the trip cost, pet boarding fees, missed connections, sports equipment rental, and even identity theft services. It also includes a waiver for medical conditions. Plus, you can add on more options like coverage that lets you cancel for any reason.

If you want more basic coverage, the Silver Plan still covers medical expenses, trip cancellation, and the other standards, all at some of the lowest prices I’ve seen on the market.

AXA Assistance USA plans are straightforward, and their customer service is responsive and easy to work with.

  • Low prices and great value for your money
  • Solid coverage for medical expenses and trip cancellation
  • Three plan levels to choose from
  • Optional cancel for any reason protection
  • Fewer customizations available than some other providers

How to Choose Travel Insurance Coverage

There you have it, 15 fantastic companies to choose from, but how do you pick the right option? Not every company is going to offer the same benefits, and there is no one best solution for everyone (or even for every trip). There are several factors you need to take into account when choosing

Here are the main things travel insurance should cover, and things to watch for when choosing a policy:

Medical Expenses and Evacuation

Medical coverage is by far the most important insurance you need when traveling. When you are outside your home country, your standard health insurance probably doesn’t protect you, so you need an insurance plan that includes medical protection in case you are injured or become ill. Without this insurance, you could end up stuck with any hospital bills for emergency care.

Travel medical insurance usually includes coverage up to a fixed maximum amount. This maximum can range from $15,000 to as high as $2 million.

I typically recommend looking for a plan that has at least $100,000 in medical insurance. Hospital bills can rack up quickly, and you don’t want to end up having to pay tens of thousands of dollars if you need medical care abroad.

If you have a pre-existing medical condition, you also need to take that into account when shopping for travel insurance, because not every policy will cover you. Look for plans that include pre-existing condition waivers to make sure you can get the protection you need.

In addition to covering medical expenses, travel medical insurance also usually includes emergency medical evacuation and repatriation. Here’s the difference:

  • Medical evacuation coverage will transport you to the nearest facility that will sufficiently provide the right medical services.
  • Medical repatriation will transport you to your home.
  • Repatriation of remains will transport your deceased remains back to your family in case of accidental death. Nobody wants to think about accidental death, but you also don’t want to leave your loved ones in a bad situation. Repatriation is a necessity.

Trip Interruption or Cancelation

Past emergency medical expenses, travel insurance protects your financial expenses if your trip is interrupted or cancelled.

For example: say you booked a trip to Australia and spent $4000 on flights and lodging. Then your house catches on fire while you’re on the plane. Naturally, you’ll want to cancel your trip, head home, and deal with the situation. In this case, good travel insurance will reimburse you the $4000 you already spent.

Some plans will even pay more than your original trip cost if your trip is interrupted. This can help pay for unplanned hotel stays or flights on the way home. Look for plans that have 150% trip interruption coverage (or any percent higher than 100).

It’s worth noting that you can’t just cancel your trip willy-nilly and get your money back. Most policies have pretty strict restrictions on acceptable reasons for cancelling your trip and how soon before your departure date you can cancel. If you make a cancellation claim, they’ll want you to prove that it was for one of the accepted reasons.

If you don’t want to bother with that stress, look for a plan that includes “cancel for any reason” coverage. Just like it sounds, you can cancel your trip for any reason at all and get refunded. Just expect to pay a bit more for these plans.

Baggage and Personal Belongings Insurance

Most travel insurance policies will offer some insurance to reimburse you if your baggage or some other personal belongings are damaged or lost on your trip.

The important thing to note here is that the coverage typically only goes up to a fixed maximum dollar amount (and sometimes a maximum amount per bag or per item). If you’re traveling with lots of expensive stuff, you want to make sure the policy has a high enough amount to cover everything.

Missed Connections and Trip Delays

The feeling of running through the airport at top speed only to arrive at the gate and find out your plane has already left is not a good one. That’s a lot of time (and money) out the window.

Fortunately, most travel insurance plans have protection for this situation too. With missed connection coverage, travel insurance companies will pay out a specified amount if you miss a flight connection. This can help with any expenses to help you get to your end destination.

On the flip side, delayed or canceled flights can also cause huge headaches. I like having travel insurance that pays for trip delays in case I need to book an unexpected hotel stay or look for a new flight.

Again, both of these services typically have specific payout maximums, so make sure the amount is enough for your trip.

Rental Car Insurance

If you’ll be renting a car, you can always choose to add on the insurance at the rental place. It’s expensive, but going without any insurance is a bit sketchy (especially if you’re out of the country and your normal car insurance doesn’t cover you at all).

The best way to get rental car insurance without paying an arm and a leg is to bundle it in with your travel insurance. Fortunately, most providers offer a rental car protection option that’s much less expensive than the plans you get from the car rental company.

As with everything, there’s typically a maximum insured amount, so double check before you rent the Bugatti.

Other Options and Considerations

We’ve covered the basics, but there may be some specific situations where you want additional coverage. Many companies offer optional add-ons (or additional standard features) that keep you insured for any situation. Here are a few options you may want to look for.

  • Adventure Sports: Travel medical insurance covers emergency medical expenses if you’re injured or sick, but they may not accept your claim if you’re participating in “risky activities.” If you want to go skydiving, skiing, climbing, or participate in some other adventure or extreme activity, make sure it’s covered under your policy.
  • Vacation Rental Damage Insurance: If you’re renting a place on Airbnb (or an Airbnb alternative ), you may want insurance to pay for any damages to the property so you don’t have to.
  • Electronics/Equipment Insurance: Whether it’s camera gear or a backcountry ski setup, traveling with expensive equipment can be stressful. Fortunately, you can get travel insurance that covers your high-value items in case they are lost or damaged.
  • Pet Care: Leaving a furry friend at home? Some travel insurance policies offer coverage to pay for additional kennelling services if your trip return is delayed in any way.

Travel Insurance FAQs

Which insurance is best for travel.

AXA Assistance USA offers impressive comprehensive plans at affordable prices.

What is the best travel insurance with COVID?

John Hancock is the travel insurance company that offers the best insurance for COVID expenses.

What are the 3 things travel insurance covers?

Travel insurance insures emergency healthcare, trip expenses, and personal belongings.

Is it better to buy travel insurance early or late?

It is best to buy travel insurance as soon as possible after you book your trip.

Does travel insurance cover accidental damage?

Accidental damage is usually covered by your lost luggage protection, even if that damage was done by you.

Jeremy Scott Foster

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Full Frame Insurance Coverage Details

  • Event and Annual Policy Options
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Camera Equipment Coverage

Most popular, 365 days of coverage.

  • General Liability (2M Limit)
  • Products-Completed Operations (200k Limit)
  • Up to $75k of Camera Equipment Protection
  • Additional Coverage Options Available
  • Photographers & Videographers
  • Long Term Liability Coverage

View Coverage Details

  • Event Policy

1-3 Days of Coverage

For photographers and videographers who need basic liability coverage over a 1-3 day period. add unlimited additional insureds for any event., $59/ 3 days.

  • Annual Policy

For photographers and videographers who need long-term liability coverage and protection, but don’t need camera equipment insurance. Additional coverage options available.

Coverages to fit your circumstances, full frame insurance offers a wide range of policy options to fit your unique business needs. learn more about each policy by clicking on the tabs and exploring below., what's included, camera equipment coverage (inland marine).

$1,000 Occurrence / $5,000 Aggregate​

Damage To Rented Premises

General liability.

$1M Occurrence / $2M Aggregate

What You Can Add

Unlimited additional insureds.

Cost $30/year

Professional Liability

$100,000 Occurrence / $200,000 Aggregate Cost $100/year

Cyber Liability

$100,000 Occurrence / $100,000 Aggregate Cost $75/ year

Upgrade Camera Equipment Coverage (Inland Marine)

$2,000 Occurrence / $20,000 Aggregate​ From $130/ year

Annual Policy Limits of Liability

  • General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
  • Products - Completed Operations Aggregate Limit $2,000,000
  • Personal and Advertising Injury Limit $1,000,000
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented to You Limit (Any One Premises) $300,000
  • Medical Expense Limit (Any One Person) $5,000
  • $0-$100,000 in Annual Sales $129
  • $101,000-$200,000 in Annual Sales $209

Equipment Insurance Pricing

  • $1,000 per item/ $5,000 aggregate $55
  • $2,000 per item/ $20,000 aggregate $130
  • $5,000 per item/$30,000 aggregate $142
  • $10,000 per item/ $60,000 aggregate $275
  • $15,000 per item/ $75,000 aggregate $349
  • Deductible $250

$1,000 Occurrence / $5,000 Aggregate From $55/year

Cost $30/ year

$100,000 Occurrence / $200,000 Aggregate Cost $100/ year

1-3 Days Covered $1M Occurrence / $2M Aggregate From $59/ event

Cost $5/ policy

Event Policy Limits of Liability

  • Products - Completed Operations Aggregate Limit Excluded
  • 1-3 Days of Coverage $59

An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.

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Coverage Frequently Asked Questions

Full Frame Insurance has policy options to cover photographers and videographers who need:

  • General Liability 
  • Damage to Rented Premises
  • Offers Increased Limits

Yes. As a photographer or videographer, you are susceptible to many different kinds of claims such as broken or stolen equipment, client injuries, and faulty memory cards. These claims can oftentimes be expensive and could financially devastate your business. Full Frame Insurance can help mitigate or even eliminate those out-of-pocket costs.

No. Full Frame Insurance’s camera equipment policy is designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment. Camera equipment insurance can only be purchased in addition to the Annual Insurance Policy. Rented equipment, drones, and gear that is unattended in a vehicle or trailer is excluded.

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Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.

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How Much Does Travel Insurance Cost?

Posted: January 30, 2024 | Last updated: January 30, 2024

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Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • The average travel insurance premium this week is $302.07, a 3% increase compared to last week.
  • For travel in the United States, the average premium is $99 to $390.
  • Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is up 3% increase compared to last week.

Travel insurance rates this week:

  • Average premium: $302.07
  • Average trip cost: $7,176.05
  • Average trip length: 16 Days 

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

How Much Does Travel Insurance Cost?

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Best Camera and Photo Gear for Your Summer Travel

From GoPros to DSLRs, here's a list of the best cameras and gear for your summer adventure.


Updated Jan. 29, 2024 8:52 p.m. PT

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CNET’s expert staff reviews and rates dozens of new products and services each month, building on more than a quarter century of expertise. Read how we test products and services .


No matter what kind of trip you have planned for this summer, it's only natural to want to document it to share with friends back home and strangers online. It could be anything from a  long road trip , a visit to a National Park or three  or a trip to Disney with, or maybe even better, without the kids. 

While camera gear can get expensive, you don't actually have to spend a lot to greatly improve your photos and videos. Even if you're just sharing them online, the right settings for your phone or a relatively inexpensive action camera can make a huge difference. I'm a travel photographer and I even end up using my phone sometimes to get a quick shot. The key is knowing how to use the camera, regardless of its price .

Here are a few options at different prices. One of these should fit your trip and budget perfectly.

Believe it or not, your phone might be all you need. If you know it's not, feel free to keep reading. Honestly, modern mid- and high-end phones take excellent photos and videos. Or at least, take excellent photos of a certain kind . The majority of phones have fairly wide-angle lenses, so you can take great group shots and landscapes, but that far-off bison is going to look really tiny.

For most people, and in most situations, a phone really is all you'll need. Get to know a few basics about how it works (tap the screen to change the exposure), and you'll be good to go. 

If you've got an older phone and you're not happy with the pictures it takes, but you aren't sure if you want to spend money on a dedicated camera, consider a new phone. I'm partial to Google Pixels myself, but CNET has lots of Android and Apple recommendations.

  • Best iPhone in 2024: Which of Apple's Phones Is Right for You?
  • Best Android Phones to Buy in 2024

The best camera you already have with you

For most people, and in most situations, a phone really is all you'll need. Get to know a few basics about how it works (tap the screen to change the exposure), and you'll be good to go. 


Add-on lenses for your phone aren't a substitute for a real camera, and even in the best case could reduce the quality of the image. They will let you get photos that otherwise wouldn't be possible with just the phone's camera and its built-in lenses. A slight reduction in quality, which may or may not be noticeable when posted to social media, could be worth it. 

The idea of these is you mount an additional lens on top of your phone camera. Together they act as if you had an entirely different phone camera.

CNET checked out Moment lenses a few years ago , and their current 58mm telephoto lens is what I'd recommend checking out. This won't get you quite as close to the action as a "real" telephoto lens, nor does it offer the reach of the telephoto cameras on some highest-end phones. However, it will get you a lot closer to the action than the wide main camera on most phones.

There are wide-angle versions of these add-on lenses, as well. I love a good wide-angle lens, but most phone cameras have a panorama mode that will do the same for free, at least for photos. That method won't work for videos. If you want an additional lens, go for it, but I think for most people the tele will get you photos not otherwise possible.

Keep in mind, that you'll also need to get one of Moment's phone cases to connect the lens.

Get closer to the action

Add-on lenses for your phone.

Add-on lenses for your phone aren't a substitute for a real camera, and even in the best case could reduce the quality of the image. They will let you get photos that otherwise wouldn't be possible with just the phone's camera and its built-in lenses. A slight reduction in quality, which may or may not be noticeable when posted to social media, could be worth it. 

CNET checked out Moment lenses a few years ago , and their current 58mm telephoto lens is what I'd recommend checking out. This won't get you quite as close to the action as a "real" telephoto lens, nor does it offer the reach of the telephoto cameras on some highest-end phones. However, it will get you a lot closer to the action than the wide main camera on most phones.


The latest GoPro is the Hero 11 Black , but for most people, I still recommend last year's Hero 10 Black. It's a little cheaper, but nearly as good as the newer 11. It can record 5.3K video at 60 frames per second, for ultradetailed, ultrasmooth videos. It can also take 23MP pictures. Even better, it's rugged, easy to use and waterproof to a depth of 33 feet.

There are also an infinite number of mounts and accessories available not just online, but at hotel gift shops, dive centers, electronic stores -- really pretty much everywhere. If you lose a battery or want a new mount, they're easy to find. 

The only downside, other than the price, is its wide-angle lens. You won't get those cool up-close images of wildlife or anything in the distance. For most adventures this is fine, but going on safari, or hiking where there are lots of cool wild animals, the footage might not be as compelling as if you had a real camera with a zoom. More on those below.

For where your phone fears to tread

Gopro hero 10.

There are also an infinite number of mounts and accessories available not just online, but at hotel gift shops, dive centers, electronic stores -- really pretty much everywhere. If you lose a battery or want a new mount, they're easy to find. 


The GoPro Hero 11 Black's biggest change over its predecessor is a new, more square, image sensor. This allows you to record higher-resolution vertical videos without turning the camera. The benefit is that you can record everything with the camera in one position, and then while editing, crop vertical for TikTok and Instagram, or crop horizontal for YouTube or more traditional aspect ratios. With previous GoPros you would have to choose the intended orientation before you shot, limiting the quality if you wanted to use the footage in the other orientation. If this doesn't make any sense to you, or you don't care about the video quality when you cross-post between social media platforms that prefer vertical or horizontal, the Hero 10 Black mentioned above is probably fine and will save you a bit of money.

Ultimate action camera

Gopro hero 11 black.


For certain types of photos, you actually do need a real camera. There's only so far you can "zoom in" with a standard phone camera. Fortunately, even inexpensive point-and-shoot cameras typically have some amount of optical zoom. 

Optical zoom is what you want; don't be fooled by any "digital zoom" spec. Digital zoom is not a zoom at all. It's merely cropping the photo and then scaling it up . You can't "zoom and enhance" with your device, despite what every movie and TV show would lead you to believe. At least, not with any quality. 

Because cameras overall have become less popular, and more specialized, since the advent of the "cameraphone" there are fewer inexpensive options. Expect to pay somewhere between the cost of a GoPro and a big interchangeable lens camera. Most also shoot video, so you don't also need a GoPro unless you were specifically doing action-type of sports, anything in or around water -- that kind of thing.

I like the Sony ZV-1 as it's small enough to fit in your pocket, has a reasonable zoom (70mm equivalent), and has a screen that can pivot out so you can see yourself. If you want something with a bit more zoom, the Canon G7X Mark III offers similar features, with a 100mm equivalent lens. There are a lot of options, but if you start considering cameras over $1,000 it's worth considering an interchangeable lens camera instead.

Pics your smartphone can't touch

A camera with zoom.

For certain types of photos, you actually do need a real camera. There's only so far you can "zoom in" with a standard phone camera. Fortunately, even inexpensive point-and-shoot cameras typically have some amount of optical zoom. 

Optical zoom is what you want; don't be fooled by any "digital zoom" spec. Digital zoom is not a zoom at all. It's merely cropping the photo and then scaling it up . You can't "zoom and enhance" with your device, despite what every movie and TV show would lead you to believe. At least, not with any quality. 

Because cameras overall have become less popular, and more specialized, since the advent of the "cameraphone" there are fewer inexpensive options. Expect to pay somewhere between the cost of a GoPro and a big interchangeable lens camera. Most also shoot video, so you don't also need a GoPro unless you were specifically doing action-type of sports, anything in or around water -- that kind of thing.


If you really want to go all-out, at the top of the camera food chain are interchangeable lens cameras. Historically, these were called SLRs or DSLRs, but increasingly the top-end cameras are what's called "mirrorless," in that they lack the mirror found in all SLR/DSLRs. This allows them to be more compact, along with some other features we don't have space to discuss. Suffice it to say, interchangeable lens mirrorless cameras are the future, DSLRs are on their way out.

The main benefit of both, though, is the ability to use a variety of lenses. Want a superzoom lens that has a wide-angle and telephoto in one package? Lots of options. Want an ultrasharp prime lens? Tons. Want an epic telephoto to see the hair on a llama's back at 1 mile? Lots of those, too.

Generally, you can think of these cameras in two categories: full frame, and crop. Full frame cameras are called that as their image sensors are the same size as 35mm film. Crop sensors are smaller. The difference, for most people, isn't huge. There are more lens options and usually better picture quality with full-frame cameras, but they're also more expensive. For beginners, crop cameras are just fine. I used one professionally for years, though last year I upgraded to a Canon R6 and I'm glad I did. Unless you absolutely know what you're doing, don't spend thousands of dollars on any camera. 

At the entry-level end of the spectrum, and since I'm a Canon guy, there's the EOS Rebel T8i . It takes 24.1MP photos, 4K24 video and has a swing-out screen. More importantly, you'll have a huge range of lenses available once you learn how to use the camera and figure out what you want. In the meantime, the linked kit comes with two basic lenses, one wide zoom and one telephoto zoom. It also comes with what is almost certainly a bad tripod, some filters and a bunch of questionably useful-in-the-long-term accessories. As a starter pack, it's great. If this specific kit disappears, there are always a bunch of options on Amazon, look for one that has both the 18-55mm wide zoom and the 75-300mm telephoto kit lenses.

There's a huge array of choices when you're looking for a new camera.

The real deal

Interchangeable lens camera.

If you really want to go all-out, at the top of the camera food chain are interchangeable lens cameras. Historically, these were called SLRs or DSLRs, but increasingly the top-end cameras are what's called "mirrorless," in that they lack the mirror found in all SLR/DSLRs. This allows them to be more compact, along with some other features we don't have space to discuss. Suffice it to say, interchangeable lens mirrorless cameras are the future, DSLRs are on their way out.

Generally, you can think of these cameras in two categories: full frame, and crop. Full frame cameras are called that as their image sensors are the same size as 35mm film. Crop sensors are smaller. The difference, for most people, isn't huge. There are more lens options and usually better picture quality with full-frame cameras, but they're also more expensive. For beginners, crop cameras are just fine. I used one professionally for years, though last year I upgraded to a Canon R6 and I'm glad I did. Unless you absolutely know what you're doing, don't spend thousands of dollars on any camera. 


As well as covering TV and other display tech, Geoff does photo tours of  cool museums and locations around the world , including  nuclear submarines ,  massive aircraft carriers ,  medieval castles , epic  10,000-mile road trips and more. Check out  Tech Treks  for all his tours and adventures.

He wrote a  bestselling sci-fi novel  about city-size submarines and a  sequel . You can follow his adventures on  Instagram  and his  YouTube channel .

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Personal Finance

Best cruise travel insurance.

Best Cruise Travel Insuranc

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Take a mental snapshot of an American on vacation, and you may imagine them on a cruise. The cruise industry is, in fact, booming. Companies such as Royal Caribbean and Carnival are posting record earnings. Travelers are enjoying more destinations, greater amenities, and more choices than ever before.

If your upcoming travel plans include a cruise, you owe it to yourself to consider travel insurance. These are costly trips, and they’re often complex, with multiple legs of travel and international destinations. Insurance can provide peace of mind that, should your travel experience include some hiccups, your wallet won’t take too much of a hit.

Comparison of the best cruise travel insurance companies

Our recommendations, best for spontaneous travelers: aig travel guard.


AIG Travel Guard

Why we like it : AIG offers multiple travel insurance options suitable for cruises. Its Essential plan provides a competitive 100% reimbursement of travel costs for trip cancellation or interruption, along with $15,000 of medical expense coverage. And if you decide at the last minute to book a cruise, AIG Travel Guard might be the policy for you. Its “Pack N’ Go” plan helps you save by eliminating trip cancellation coverage. You do enjoy the security of 100% reimbursement for trip interruption, $15,000 of medical coverage, and up to $500 for missed connections.

  • The Pack N’ Go plan is ideal for those making last-minute cruise plans.
  • Policies are underwritten by AIG, a multinational insurer with an AM Best A rating .
  • $15,000 medical expense coverage with the Essential plan is lower than some competitors.

Best for annual plans: Allianz Travel


Allianz Travel Insurance

Why we like it : If you’re planning multiple trips (including one or more cruises) in the coming year, you might want to look into an annual travel insurance plan. Allianz Travel could be a good choice for that. The company offers a wide range of travel insurance options, including three levels of an annual plan. Its Basic annual plan includes $20,000 of emergency medical, $100,000 of medical transport, and $600 of travel delay coverage.

  • Multiple annual plan options, in addition to single-trip travel insurance plans.
  • 24-hour hotline and concierge service included with plans.
  • Annual Basic plan does not include trip cancellation coverage.
  • Does not cover trips longer than 45 days.

Best for pre-existing medical conditions: Berkshire Hathaway

Berkshire Hathaway

Berkshire Hathaway Travel Insurance

Why we like it : Berkshire Hathaway offers generous coverage levels for trip cancellation and medical expenses. It’s also the only insurer in our review to automatically waive the pre-existing medical condition exclusion. So, provided you meet certain criteria in the contract, you can embark on a cruise with a medical condition such as a chronic disease. Other insurers may offer this waiver, but only as an option.

  • Offers cruise-specific travel insurance plans.
  • Only insurer in our review to cover those with pre-existing medical conditions.
  • Value plan (its most basic plan) offers only $15,000 of medical expense coverage.

Best for concierge services: Generali

Generali Global Assistance

Generali Travel Insurance

Why we like it : Generali has three travel insurance plans. Its standard plan provides a generous $50,000 of medical expense coverage on top of 100% reimbursement for trip cancellation and 125% reimbursement for trip interruption. What sets the company apart, however, is its concierge service. Customers can contact Generali for assistance with their travel plans, including sightseeing, air travel, and hotel reservations.

  • Extensive list of concierge services included with all insurance plans.
  • Generous $50,000 medical coverage, plus telemedical services included with all plans.
  • Does not offer cruise-specific coverage packages.
  • Most expensive company in our review.

Best for cruise-specific plans: Nationwide


Nationwide Travel Insurance

Why we like it : Choosing a cruise-specific insurance plan means you get a set of coverages that you know provide the protection you need while on your vacation. Nationwide offers not just one, but multiple levels of cruise travel plans. Its Universal level (which is the entry-level plan) provides 100% reimbursement for trip cancellation, $75,000 medical expense coverage, $500 for missed connections, and $1,500 for lost or stolen luggage.

  • Multiple cruise-specific plans.
  • Covers up to $75,000 for medical expenses.
  • Cancel-for-any-reason coverage only available with the highest-level Luxury plan.

Best for medical expense coverage: Seven Corners

Seven Corners

Seven Corners

Why we like it : Having adequate medical coverage is crucial when you’re on a cruise. While your personal health insurance may cover you for many domestic travel situations, it may exclude incidents that happen on board a ship or at an international port of call. Those looking to maximize their medical coverage should check Seven Corners . Its Basic plan includes up to $100,000 worth of medical expense coverage, along with up to $250,000 for medical evacuation.

  • Highest medical coverage limits of any of the companies we reviewed.
  • Covers up to $250 per day for a missed cruise connection.
  • Basic coverage plan does not include pre-existing medical conditions.

Best for basic plans: Travelex


Travelex Travel Insurance

Why we like it : Travelex does not have cruise-specific insurance plans in its line up. But it does offer multiple packages plus options allowing you to customize coverage. And it might be a good choice for someone looking for an affordable travel insurance plan for a cruise. The company has been in business for more than 25 years, and in 2016 became a subsidiary of the Zurich Insurance Group, one of the world’s largest multinational insurers.

  • Basic plan includes reimbursement of up to 100% of costs for trip cancellation and interruption.
  • Upgrades include cancel for any reason, sports equipment, and other coverages.
  • Does not cover pre-existing medical conditions.


We reviewed travel insurance plans from several leading providers. While most of these providers offer multiple plans, our study focused on each company’s most economical offering . We noted coverage levels, and options that would make each company appealing for a traveler preparing for a cruise. Our policy cost information is based on actual quotes for a family of four (two adults, two children) on a seven-day trip to the U.S. Virgin Islands, at a total trip cost of $10,000.

How to choose a travel insurance company for a cruise

The good news is that when it comes to travel insurance , you have many choices. The bad news is that, well, you have many choices—and it can be difficult to sort through all of them. So, when looking for coverage for an upcoming trip, start by considering the following:

You may already have some coverage

If you use a credit card to pay for your trip, check to see if it includes some travel insurance. The Chase Sapphire Preferred and Reserve cards , for example, provide trip cancellation, trip interruption, and other coverages.

Some companies offer cruise-specific coverage

While a cruise-specific plan is not really necessary, it may make getting the coverage you need much easier. Berkshire Hathaway’s cruise insurance plan includes specific coverages such as cruise disablement and diversion that anticipate some of the potential problems that are unique to a vacation at sea.

Your medical insurance may exclude cruise travel

Your private medical insurance plan may be very limited when it comes to being on a cruise. It’s rare, for instance, for medical insurance to include incidents that happen outside of the United States. You’ll want to understand what your plan does and doesn’t cover, and consider this when choosing your travel insurance medical coverage.

Look for optional coverages that fit your needs

Our review has focused on companies’ most economical travel insurance plans. But be aware that many companies offer optional coverages that allow you to customize your cruise travel insurance policy to your specific needs. These options may include adventure sports coverage, rental car coverage, or cancel-for-any-reason coverage.

Shop around

As our review shows, the cost of a policy varies among insurance companies. Be sure to shop around to get the best combination of coverage and price. All of the cruise travel insurance companies in our review offer fast online quotes.

You can also use services such as or Squaremouth . They make comparison shopping easy by allowing you to get quotes from multiple travel insurance companies.

Which factors determine the cost of travel insurance for a cruise?

Several factors affect the amount you pay for travel insurance for a cruise. These include the following:

  • Traveler age: According to insurer Berkshire Hathaway , older travelers are more likely to cancel their trip and file a claim.
  • Number of travelers: While a single policy can cover multiple travelers, those additional travelers will drive the cost of the policy.
  • Trip cost: Expensive cruises cost more to insure than cheaper cruises.
  • Trip length: A longer cruise costs more to insure than a shorter cruise.
  • Plan and coverage options: A basic plan with minimal coverage levels and no optional coverages will cost less than a “deluxe” plan with higher amounts of coverage and options such as “cancel for any reason.”

TIME Stamp: Protect your cruise investment with travel insurance

A cruise can be a once-in-a-lifetime experience. It can also be a costly and complex trip that can set you back financially if something goes wrong. You can protect your vacation investment with cruise travel insurance. Many companies offer travel insurance that is reasonably priced and that provides peace of mind so you can enjoy your vacation.

Frequently Asked Questions (FAQs)

What insurance is best for a cruise.

The best travel insurance for a cruise will depend on your needs and budget. Our review covers travel insurance from several providers. Each offers multiple plans and coverage options at different price points, with some offering cruise-specific insurance plans.

Do I need extra travel insurance for a cruise?

Cruises are often complex trips requiring a significant financial outlay. A snag in your travel plans could result in losing any nonrefundable payments. Your credit card might provide some travel insurance. But if that’s not enough to cover those nonrefundable payments, you should consider buying extra travel insurance.

When should I buy trip insurance for a cruise?

There are advantages to buying travel insurance long before you leave on a cruise, and advantages to buying it shortly before you leave. Buying well before means you have time to investigate plans thoroughly. Buying shortly before you leave means you may know more details about your trip, such as the weather.

Does travel insurance cover cancellation of a cruise?

If a cruise line cancels a cruise, it typically offers passengers a refund, according to USA Today . It may also reimburse for any related travel expenses, such as airfare.

Travel insurance primarily covers situations in which you decide to cancel—for example, if you get sick prior to departure or have a death in the family. It provides reimbursement for expenses that are not refundable. Some plans do, however, offer limited coverage for delays or cancellations that are the fault of the cruise operator.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Help! I Missed a Cruise and the Cruise Line’s Own Travel Insurance Won’t Pay.

A young woman booked her first big trip, a Mediterranean cruise on Norwegian, but missed the boat when her flight was delayed. Since she bought the cruise line’s own travel protection plan, why is she stuck with the bill?

An illustration of a large cruise ship on a blue background while a passenger jetliner flies diagonally in the foreground, its emissions a dark red slash.

By Seth Kugel

Dear Tripped Up,

After graduating from college in 2022 and working for a year, I used my bonus and some of my savings to book a nine-day Mediterranean cruise on Norwegian Cruise Line for my partner and me. Our $7,657 cruise package included airfare from Atlanta to Barcelona, Spain, via Newark, and Norwegian’s own BookSafe Travel Protection Plan , which included travel insurance and also allowed me to “cancel for any reason” for a 75 percent credit. Weather delayed our first flight, we missed the connection, and United Airlines could not get us to Barcelona in time to embark. I called Norwegian and agents suggested I buy last-minute tickets on a different airline, but I don’t have that kind of money. And even if I did, there were no direct flights to later ports, and I was unwilling to risk missing another connecting flight. So we spent the night in the Newark airport, paid for a return flight to Atlanta the next morning and canceled the cruise and remaining air legs. I got $1,184 back right away from Norwegian, and then an additional $232 back (for my return flight) from travel insurance when I filed a trip delay claim, but a trip cancellation claim for the cruise was denied outright. I feel I should at least get the 75 percent credit — otherwise what was the protection plan for? Can you help? Ivy, Atlanta

You’re not the first traveler to write Tripped Up after missing a cruise because of flight delays on the very itinerary the cruise company booked for them.

You also went out of your way to solve this problem on your own, first, registering complaints with the Better Business Bureau, the Georgia attorney general, and the Department of Agriculture and Consumer Services in Florida (where Norwegian is based), all to no avail. Even when I offered to help, you didn’t stop and — before I could do anything — prodded Norwegian into giving you a slightly-more-than-75-percent credit, or $5,420, for a future cruise “as a gesture of good will.” Impressive.

I would have moved on to help another Tripped Up reader, but Norwegian’s use of the responsibility-shirking phrase “as a gesture of good will” bugged me. I wanted to know why BookSafe didn’t cover you, and what other cruise customers can do to protect themselves.

The BookSafe plan actually has two main parts: a travel insurance policy, administered by Aon Affinity and underwritten by Nationwide, and a “cancel for any reason credit feature,” provided by Norwegian itself.

I read through the fine print, and it turns out (and Aon confirms) the travel insurance portion does not provide reimbursement for a cruise if airline issues cause a traveler to miss it. But under the Cancel for Any Reason component, it looks to me as if Norwegian should have given you that credit with no hassle.

I tried to confirm that with Norwegian, but the company declined to answer most of my questions, instead responding with imprecise statements via email.

“Although Norwegian Cruise Line provides flight arrangements as part of its cruise offering,” the first email read, “we do not have control over the operations of the airlines and are not responsible for any flight modifications or cancellations.”

“It is because of the very nature of unexpected situations, such as this, that we strongly recommend all guests purchase travel insurance,” the statement continued.

But again, you purchased the travel protection plan and the insurance portion did not cover you. As for the Cancel for Any Reason credit component, Norwegian sent another email, which you forwarded, that read, “We are unable to issue credits for the penalties assessed to your reservation as this does not qualify under Cancel for Any Reason prior to departure.”

When you complained to the Better Business Bureau initially, Norwegian doubled down, giving it same wording.

I can’t understand why. For the credit to kick in, BookSafe clearly states you need only cancel “prior to the ship’s departure,” not prior to your flight’s departure. You forwarded me a cancellation document, dated the day you flew back to Atlanta — which was also the day the cruise set sail. That would seem to qualify, unless Norwegian determined the cancellation took place minutes or hours after the ship departed. That would be pretty disingenuous of them, considering you had been on the phone with them since the night before, asking about your options.

When I asked Norwegian about the original rejection, I got a statement saying you “had incorrectly filed a claim for a trip delay instead of a trip cancellation claim" and that the credit was “later added” to your account.

To me, that’s somewhere between muddled and false. What actually happened was that you filed a “trip delay” claim to Aon that turned out only to cover your flight back to Atlanta. (That’s what trip delay coverage does, cover unexpected expenses.) Then, you filed a “trip cancellation” claim, also to Aon, but that was never going to work: Trip cancellation coverage lapsed once you got on the plane and yet another kind of coverage, “trip interruption,” kicks in. But filing for that wouldn’t have done you any good: Norwegian’s trip interruption policy does not cover airline delays.

That’s why you ended up — after some blood, sweat and tears, that is — with the 75 percent credit from Norwegian.

It’s confusing, no doubt. You fell into a common trap about trip cancellation, delay and interruption policies — assuming that this coverage will pay for anything that is truly not your fault. But claims adjusters tend to be extremely literal in interpreting the fine-print list of “perils” or “hazards” your policy covers.

“If it’s there, you’re good, and if it’s not there, you’re not good,” said Stan Sandberg, a co-founder of , a site that aggregates policies from different companies, providing convenient direct links to the state-specific policies.

I got curious and decided to compare the fine print of BookSafe with the default travel protection plans at cruise operators like Carnival, Disney, MSC, Princess, Royal Caribbean and Viking. I used the New York versions for consistency, and looked specifically at how well they covered issues caused by delays and cancellations of “common carriers” — airlines, trains and the like.

All the plans have “trip delay,” “trip cancellation” and “trip interruption” coverage administered by insurance companies. Most include a separate “cancel for any reason” credit portion that the cruise lines administer themselves. (Only MSC does not.)

I focused on trip interruption, which typically provides a maximum benefit of 125 or 150 percent of the trip’s value. That means a traveler could in theory be reimbursed for the full cost of the cruise, plus additional expenses incurred because of the interruption.

Three of the seven plans I looked at — Norwegian, Royal Caribbean and Princess — leave airline issues out of trip interruption benefits entirely, making it impossible, in a situation like yours, to claim the value of a missed cruise in its entirety. “That is shocking,” said Jason Schreier, chief executive of the travel division of Aegis General Insurance.

“Ninety-five percent of travel insurance plans you’ll find have common carrier issues in both trip cancellation and interruption benefits,” he said.

The other four cover delays to varying extents. Carnival mentions only weather issues. MSC and Viking cover mechanical problems, weather delays and strikes — pretty standard language, but not all encompassing. Only Disney’s plan allows trip interruption to kick in for “any delay of a common carrier,” as long as it causes you to miss at least half the trip.

Mr. Schreier of Aegis told me that the cruise lines themselves will often scratch common perils from custom plans to reduce liability. When I asked Norwegian about this, the company referred me to Aon Affinity. But Beth Godlin, the president of Aon Affinity Travel Practice, wrote that Aon “works with many different cruise lines” and customizes plans “to meet the needs of the cruise line.”

Finally, there’s that cancel-for-any-reason-for-partial-cruise-credit element. As we learned, Norwegian’s plan, as well as those of Royal Caribbean, Carnival, Princess and Disney, do include flight issues by allowing travelers to cancel right up to the ship’s departure. Only Viking’s is different — ending once you board your first flight. (Again, MSC does not offer this benefit at all.)

I’d warn against choosing a cruise line on the sole basis of whether its protection plan covers common carrier delays — you’d just be asking for something different to go wrong. But Ivy, as you use your credit, I’d consider putting in the time to look into buying a separate insurance plan, using comparison sites like or Squaremouth , or going directly to companies like Aegis , which Mr. Schreier points out has a cruise-specific package and a “Stress Less” feature that might have paid on the spot for a flight on a different airline to get you to Barcelona on time.

Whatever you do, I hope you have a great cruise and can at least temporarily forgive Norwegian for what happened — as a gesture of good will.

If you need advice about a best-laid travel plan that went awry, send an email to [email protected] .

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Seth Kugel is the columnist for “ Tripped Up ,” an advice column that helps readers navigate the often confusing world of travel. More about Seth Kugel

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

Italy :  Spend 36 hours in Florence , seeking out its lesser-known pockets.

Southern California :  Skip the freeways to explore the back roads between Los Angeles and Los Olivos , a 100-mile route that meanders through mountains, canyons and star-studded enclaves.

Mongolia : Some young people, searching for less curated travel experiences, are flocking to the open spaces of this East Asian nation .

Romania :  Timisoara  may be the most noteworthy city you’ve probably never heard of , offering just enough for visitors to fill two or three days.

India: A writer fulfilled a lifelong dream of visiting Darjeeling, in the Himalayan foothills , taking in the tea gardens and riding a train through the hills.

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .


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    365 Days of Coverage. General Liability (2M Limit) Products-Completed Operations (200k Limit) Up to $75k of Camera Equipment Protection. Additional Coverage Options Available. Photographers & Videographers.

  24. What does travel insurance cover?

    Trip cancellation coverage. Trip cancellation insurance reimburses you for nonrefundable costs on a trip you cancel before leaving. It can cover up to 100% of what you paid for flights, hotels ...

  25. How Much Does Travel Insurance Cost?

    The average travel insurance premium this week is $302.07, a 3% increase compared to last week. For travel in the United States, the average premium is $99 to $390. Travel insurance protects ...

  26. Best Camera and Photo Gear for Your Summer Travel

    The latest GoPro is the Hero 11 Black, but for most people, I still recommend last year's Hero 10 Black. It's a little cheaper, but nearly as good as the newer 11. It can record 5.3K video at 60 ...

  27. Best Cruise Travel Insurance

    100% of trip cost. Trip interruption. 125% of trip cost. Medical expense. $50,000. Why we like it: Generali has three travel insurance plans. Its standard plan provides a generous $50,000 of ...

  28. Help! I Missed a Cruise and the Cruise Line's Own Travel Insurance Won

    I got $1,184 back right away from Norwegian, and then an additional $232 back (for my return flight) from travel insurance when I filed a trip delay claim, but a trip cancellation claim for the ...