The best travel insurance policies and providers

Katie Genter

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

travel insurance comparison chart

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

travel insurance comparison chart

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

travel insurance comparison chart

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

travel insurance comparison chart

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

travel insurance comparison chart

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

travel insurance comparison chart

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

travel insurance comparison chart

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

travel insurance comparison chart

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

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

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

Purchase your policy here: GeoBlue .

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

travel insurance comparison chart

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

travel insurance comparison chart

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

travel insurance comparison chart

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

travel insurance comparison chart

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

travel insurance comparison chart

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

travel insurance comparison chart

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

travel insurance comparison chart

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

travel insurance comparison chart

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

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

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

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

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

What are the different types of travel insurance?

travel insurance comparison chart

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

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

Should I buy travel health insurance?

travel insurance comparison chart

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

travel insurance comparison chart

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

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

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

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

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

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

Bottom line

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

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

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

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

Compare and Buy Travel Insurance

Our most popular policies, single trip policies are ideal for travelers taking one trip of any length. Single trip policies include comprehensive coverage, with the Trip Cancellation, Emergency Medical, Medical Evacuation, and Travel Delay benefits, among others.

Annual policies are designed for frequent travelers planning multiple trips throughout a year. These policies can include Emergency Medical, Medical Evacuation, and Travel Delay coverage, among other benefits, however typically do not cover cancellations.

Cruise insurance provides comprehensive coverage for the duration of a cruise trip. This includes trip cost protection in the event a cruiser needs to cancel before they depart, medical coverage in case of an emergency while at sea, and other coverage tailored to cruisers.

Some policies offer benefits that are designed for active and adventurous travelers who participate in a wide array of sports and activities during their trips. Our activity selection matrix helps travelers search for policies with the most suitable coverage for their trip.

Important Travel Insurance Information

Here are some of our most frequently asked questions from travelers like you.

Who Needs Travel Insurance?

Travelers should consider buying insurance if they want to protect themselves from a financial loss before or during their trip, especially if they have planned an expensive trip, or have a specific concern that would impact their vacation. Most policies include benefits that can cover major concerns, including trip cancellations, medical emergencies, and travel delays, among others.

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does a Policy Usually Cost?

The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. However, a policy without an insured trip cost will be significantly less expensive.

When is the Best Time to Buy a Policy?

The best time to buy depends on the coverage a traveler needs. Trip Cancellation policies can be purchased up until the day before they leave . However, only unforeseen events can be covered, so we recommend travelers who want cancellation benefits buy as soon as possible. Travelers who primarily want travel health insurance during their trip can buy anytime up until the day before they leave.

How Does Travel Insurance Work?

Trip insurance is designed to protect travelers in case something goes wrong that impacts their trip. This includes financial reimbursement if their trip is canceled before they depart, as well as medical benefits, travel delay coverage, and other benefits that can cover them while they are traveling.

Where Can I Buy Travel Insurance?

Travelers can purchase a policy directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. To find the best policy, travelers should always compare premiums, coverage amounts, and reviews to find the travel insurance coverage they need at the best price.

Squaremouth has helped more than 3 million travelers find the best policy for their trip.

Leveraging more than 20 years of experience and industry-leading technology, Squaremouth hosts the most intuitive travel insurance comparison engine on the market today, helping travelers navigate the largest portfolio of products in the United States.

Our core goal is helping every customer find the best policy for their trip for the lowest possible price. Using our quote engine and more than 120,000 reviews from real customers, we provide every customer with an unbiased comparison of the entire market.

Ready to find coverage for your trip? Enter your trip details and instantly get a quote from the best travel insurance companies on the market. Our multi-award-winning customer service team is available daily to help you identify the right plan with the coverage you need.

travel insurance comparison chart

Key Travel Insurance Benefits

Compare plans from the best providers.

Squaremouth’s core goal as a company is helping every traveler find the best travel insurance policy for their trip at the most affordable price.

A great travel insurance plan offers much more beyond trip protection. When searching for a policy for your upcoming trip, it’s important to consider everything from coverage to cost.

Coverage: The best policies come with comprehensive benefits. While policies typically include most of the same benefits, some offer higher and more generous coverage limits.

Affordability: Higher premiums don’t always mean more or better coverage. The best coverage will include the benefits you need for the lowest possible price.

Customer Support: From Emergency Assistance to filing a claim, the best plans are backed by providers that offer a superior traveler experience - before, during, or after your trip.

Squaremouth ranks the best providers for travelers based on their specific trip information and coverage needs, to help every traveler find the right coverage for the best price.

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

How Much Does Policy Cost?

In general, the cost for a comprehensive policy with Trip Cancellation is typically between 5% and 10% of the total trip cost. Travelers who choose not to insure the cost of their trip can expect to pay much less.

Is My Trip Worth Insuring?

The financial cost of traveling can be significant, as airfare, hotels, and other trip activities can compound quickly. Adding to that total by buying trip insurance may not sound great, but it can help travelers save a lot of money.

Squaremouth Customer Reviews

As of January 2024, Squaremouth has been reviewed by 49,373 customers on and has an average rating of 5 stars.

I just went online to search for travel insurance and Squaremouth came up with the name of a company I used in the past. They compared several different companies and gave the prices. I could easily choose.

Sally from PA 01/16/2024

Easy to Use Site

"I'm able to easily and quickly compare multiple plans and select the one that meets my needs the best."

Adam from CA 01/15/2024

Positive Experience

"Very easy to read and to compare benefits from various companies. Easy to purchase. Thank you!"

Pamela from FL 01/12/2024

Travel to Mexico

"I haven't left for my trip yet but using Squaremouth was very easy. I loved seeing all the options out there!"

Gabriela from NC 01/11/2024


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Best Annual Travel Insurance in January 2024

Carissa Rawson

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 you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Top annual travel insurance options

Let’s take a closer look at our top recommendations for annual travel insurance.

travel insurance comparison chart

Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

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

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

travel insurance comparison chart

Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

travel insurance comparison chart

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

travel insurance comparison chart

Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Lost luggage insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

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

Chase Sapphire Reserve Credit Card

on Chase's website

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

travel insurance comparison chart

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Ultimate Guide to Buying the Best Travel Insurance [For You]

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Christine Krzyszton

Senior Finance Contributor

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The Ultimate Guide to Buying the Best Travel Insurance [For You]

Situations Where Travel Insurance Can Help

Covering your major concerns, when to buy travel insurance, credit cards, employer-sponsored health insurance, club memberships, medicare supplements and advantage plans, travel insurance comparison tools/websites, world nomads — best for comprehensive coverage and adventure activities (recommended), travelex /berkshire hathaway travel insurance — family protection for children at no extra cost, geoblue — affordable annual medical travel insurance, usaa — travel insurance for military and families, allianz — affordable annual travel insurance, expedia — an impulse buy you can prepare for, other travel insurance companies, single trip policies, multiple trip or multi-destination policies, annual policies, travel insurance for seniors, special needs and travel insurance for those with disabilities, group travel insurance, pet travel insurance, final thoughts.

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

Whether you’re traveling with family or solo, on an epic adventure or a weekend getaway , travel insurance can go a long way toward providing peace of mind during your trip. And if things should go wrong, you’ll find consolation in being financially covered.

With all that’s at stake, you’ve probably given serious thought to purchasing travel insurance just like I have. There have certainly been times when I’ve needed it, including severe flight delays, a parasailing accident in Mexico, and when my luggage took a trip of its own!

Unfortunately, it’s also easy to become overwhelmed with the vast selection of travel insurance options available. We’ve created this guide to help you sort through the confusion and demystify the process.

In this article, we’ll cover all the information you need to:

  • Determine the type of coverage you need
  • Find out if you currently have any travel coverage
  • Narrow your options to just a few policies that fit
  • Select a reputable travel insurance company

Let’s get started with helping you find the best travel insurance policy for your situation.

Why You Need Travel Insurance

If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.

Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.

Travel Insurance can cover a variety of situations. Here is just a sampling of those you can easily purchase coverage for:

  • You have an accident and need medical evacuation to a nearby hospital: According to travel insurance company Allianz, the estimated cost of medical evacuation ranges from $15,000-$20,000 in Mexico to over $200,000 in Asia, Australia, and the Middle East.
  • You miss your cruise because your flight is severely delayed or canceled: Catching up with your cruise once it has departed can be costly!
  • You can’t take a planned trip due to illness: The entire cost of your trip and any pre-paid arrangements could be at risk if you become ill and unable to travel. Coverage is even available when travel companions become ill and you must forego your trip.
  • You become ill while abroad: The cost of medical attention abroad can be expensive, and it can result in increased costs to rearrange your itinerary.
  • Your baggage is lost or delayed: After your bags have been delayed a minimum amount of time, usually 12-24 hours, coverage kicks in and provides money for essentials.

Bottom Line: It’s prudent to buy travel insurance for expensive trips. You may go several years without using the coverage you’ve purchased, but one incident could cause you to incur thousands of dollars in expenses, far exceeding the cost of insuring multiple trips. 

Travel Insurance Coverages

If money is no object, you can purchase a lot of travel insurance to make sure you’re covered for nearly every situation you’ll encounter. In reality, you’ll probably want to balance cost with the coverages that are most important to you.

For some travelers, their greatest concern is the huge cost of an emergency medical evacuation. For others it can be the risk of getting ill and not being able to travel on a trip they’ve paid thousands of dollars for already.

But don’t fret: there’s a travel insurance plan for just about any travel concern that can cost you money if things go wrong.

Here are some of the plan types available:

  • Emergency Medical Evacuation: Pays to get you to the nearest hospital, even in remote areas
  • Travel Medical Insurance : Provides medical care if you get sick or injured while traveling
  • Annual Travel Insurance: Covers you for multiple trips taken throughout the year
  • Comprehensive Package Travel Insurance: Conveniently groups many travel insurance coverages together in one policy
  • Cancel for Any Reason Rider ( CFAR ): When certain conditions are met, this coverage lets you cancel your trip for any reason and receive reimbursement
  • Policies that Cover Families: Comprehensive travel policies that cover all family members/domestic partners before and during your trip.

Most travel insurance policies can be purchased up until the day of your departure. However, some policies contain pre-departure benefits, so you’ll want to buy your policy as soon as possible.

For example, you may have coverage that covers you getting ill and not being able to take your trip.

The general advice is to buy your policy when you make your first payment on the trip.

Since policies can be priced according to how much your total trip costs, you can take out the insurance based on what you’ve already paid and call the company to raise the amount of the policy once you’ve made additional payments.

Read our guide to find out more on when to buy travel insurance .

Hot Tip:  Travel insurance policies include a free-look period, where you can review your policy once you’ve received it and decide if it’s right for you. This free-look period is usually 10-15 days depending on the company and type of policy. 

You May Already Have Coverage — Here’s Where to Look

Before you purchase a travel insurance policy, you should check these 4 places where you may have some current coverage.

You may find that you have a credit card with travel insurance , with your employer-sponsored health plan, with club/organization memberships, and on Medicare gap policies.

It is helpful to know which types of coverage you currently have so you can select a comprehensive travel insurance policy without paying extra for duplicate coverage.

Rental Car View

Credit cards commonly carry travel insurance benefits, but whether they’re included and the level of coverage provided will vary depending on which card you carry.

Let’s take a look at some of the most popular credit card issuers and the types of travel insurance/protection they provide.

American Express offers several travel insurance benefits on their cards.

  • Car Rental Loss and Damage Insurance: Secondary coverage is included on various American Express cards . Primary Car Rental Protection is available to purchase for one low fee that covers the entire rental period.
  • Travel Accident Insurance: Limits of $250,000-$500,000 depending on the card.
  • Baggage Insurance: Provides coverage for lost, stolen, or damaged checked or carry on baggage. Included on various American Express cards. 
  • The Global Assist Hotline: Included on various American Express cards . Premium cards such as the Platinum Card ® from American Express and Business Platinum Card ®  from American Express  include premium versions of the Global Assist Hotline that provide support before, during, and after your trip.
  • Roadside Assistance: While Amex has removed roadside assistance from many of its cards, there are still several Amex cards with the coverage . Coverage includes assistance with jump starts, gas, towing, and lockout.

Chase is another major card issuer that includes various travel insurance coverages on their credit cards.

Citi credit cards have recently had several travel benefits removed,  similar to other credit card issuers. Your exact coverage benefits will depend on which Citi card you have. To learn the details of Citi’s credit card travel protections, you can access Citi’s credit card guide to benefits  here .

Hot Tip: To receive coverage from any credit card, you must meet the purchase requirements. Some credit cards require you to charge the entire purchase, while some grant coverage if you pay for just a portion of the purchase with your card. You may also be able to receive coverage by using points for your purchase.

Requirements vary, but you can call the number on the back of your credit card for questions on coverage specific to the card you’re using.

See our article for information on additional credit card travel insurance coverage .

Bottom Line: Credit cards may offer incidental travel protections and benefits, but they should not be considered a replacement for a comprehensive travel insurance policy. 

You’ll first want to check your current health insurance policy to see if it might cover you while traveling. Many do not extend health insurance benefits while traveling, but there may be ancillary travel insurance coverages included in your policy.

For example, some employer-sponsored health insurance plans contain travel insurance coverage that can be quite significant. Unum is one of the most common group insurance companies offering employers travel insurance for their employees through Assist America .

The employee is provided a 24/7 phone number that can be called for immediate assistance when traveling more than 100 miles from home.

Here is a sample of coverage provided:

  • Hospital admission assistance
  • Emergency medical evacuation
  • Prescription replacement assistance
  • Transportation for a friend or family member to join a hospitalized patient
  • Care and transport of unattended minor children
  • Referrals to Western-trained, English-speaking medical providers
  • Legal and interpreter referrals
  • Passport replacement assistance

There is no charge for any of these services when the coverage is included on an employer-sponsored healthcare plan, so you’ll want to check your current employer-sponsored health plan to see if you have this coverage.

Emergency evacuation helicopter

If you’re a member of any club or organization, you’ll want to ask about travel insurance benefits.

Here are just a few clubs where membership includes various types of travel insurance benefits.

Divers Alert Network — Membership is $35/year for singles, $55/year for families

  • DAN members receive $100,000 of emergency medical evacuation assistance coverage . Evacuation is covered for diving and non-diving medical emergencies when you are more than 50 miles from home.
  • Membership also includes TravelAssist , a 24/7 access to prescription assistance, medical monitoring, emergency messaging, and much more.

American Alpine Club — Membership is $80 per year and includes search and rescue insurance. The insurance applies to any land-based activity.

  • Up to $7,500 of Global Rescue Trailhead Rescue Services (available worldwide)
  • Up to $5,000 of Domestic Rescue Benefits (available in the U.S. only)

Gold Wing Road Riders Association  ($55/year) and the American Motorcycle Association ($49/year)

  • Members receive FREE emergency roadside assistance and 24/7 towing up to 35 miles per disablement for their motorcycle or any motorcycle they are riding, even as a passenger.
  • Gold Wing Coverage is limited to motorcycles; American Motorcycle Association members receive coverage for motorcycles, cars, trucks, trailers and RVs.

Family Motor Coach Association — Membership costs $60/year and includes discounted worldwide travel assistance insurance plus several other travel benefits.

Hot Tip: Club memberships can include travel insurance coverage at no additional cost or at a discounted price. Checking your current memberships and seeking out organizations you can join for cost-effective coverage may result in travel insurance coverage you can use.

With rare exceptions, Medicare does not extend coverage to another country outside the United States. However, some supplement and advantage insurance plans do include coverage when traveling.

These supplemental policies, called Medigap plans, pay 80% of medical emergency care outside the U.S. after a $250 deductible. The expense must not be covered by Medicare, and it must be incurred within the first 60 days of your travel. There is also a lifetime limit of $50,000.

Medigap plans C, D, F, G, H, I, J, M, and N contain this coverage. Visit for a complete explanation of the coverage and information on out-of-country coverage for Medicare Advantage plans.

Remember, these are plans that you purchase in addition to your base Medicare Plans A and B. Medicare does not cover you out of the country except in rare circumstances detailed here .

Bottom Line:  It’s important to know the travel insurance coverages you have currently, as you may save money not duplicating those coverages when purchasing a travel insurance policy. You’ll also want to be able to take advantage of and use these existing coverages if you experience a covered event. 

Under water scuba diver

Where to Buy Travel Insurance

All insurance companies are rated based on their financial stability; A.M. Best is the oldest, most recognized provider of ratings in the global insurance industry. We’ll include only those companies with excellent or above ratings.

Before we discuss specific travel insurance companies, however, we’ll cover a few great travel insurance comparison sites that can help narrow your choices before selecting a specific company and travel insurance policy.

Purchasing travel insurance is a balancing act between getting the coverage you need without spending above your budget . That’s why comparison sites can ease the pain of searching hundreds of policies and dozens of companies individually.

Another benefit of using these sites is that your information is entered just once, and their search engines will quickly find the best fit for your budget and coverage requirements.

Here are 3 comparison sites to help you get started:

1. (recommended)

  • Easy-to-use online comparison tool
  • Instant coverage
  • Best price guarantee; this means you won’t find a lower price anywhere else for a plan that’s found on

2. Squaremouth

  • Award-winning customer service team
  • 20 travel insurance companies and 116 different policies
  • Over 60,000 customer reviews

3. InsureMyTrip

  • Licensed agents to help you with questions and claims
  • 21 providers; both large and boutique highly-rated companies
  • Glossary and articles explaining coverage and plans

Once you’ve completed a few easy comparisons, you’ll have an idea of the type of policy you want, a range of costs, and what options are available.

You’ll find most of the major travel insurance providers on these comparison sites, but not all carriers participate.

Hot Tip:  Don’t miss our dedicated article on the Best Travel Insurance Companies For All Travelers !

Let’s take a look at some specific travel insurance providers you’ll want to consider:

Included in the top 10 travel insurance companies by  Consumer Advocate , World Nomads offers a comprehensive portfolio of travel insurance products including medical/evacuation insurance, 24-hour emergency assistance, trip delay/cancellation, and coverage for a long list of adventure activities.

There are several reasons to purchase travel insurance with World Nomads.

  • Backed by established, reputable, highly-rated companies such as AIG Insurance Company , Lloyds, and Nationwide Mutual Insurance Company
  • Understand world travel and the associated risks
  • Single-trip, multiple-trip, and annual policies are available
  • Good for active travelers, as most activities/sports are covered
  • Plans include standard to comprehensive coverages
  • Ability to purchase or extend coverage while traveling
  • Available for travelers through age 69

Sample Pricing

Click to get a quote with World Nomads >>

Hot Tip: If you participate in sports and adventure activities when traveling (even dangerous ones), World Nomad’s travel insurance is a perfect fit with over 150 travel activities covered.

Travel Insurance example

The family Travel Select plan covers children 17 and under for no additional cost. This comprehensive plan includes protection for trip interruption/cancellation/delay, medical and evacuation, baggage and personal effects, and travel assistance. For more information check out our Travelex review.

If you currently have health insurance that does not cover you outside of the United States, you’ll find GeoBlue an affordable option for medical coverage while you’re traveling.

Their Trekker Choice policy covers unlimited international trips up to 70 days in length for a 12-month policy period. The cost for an annual plan for a 40-year-old was $175 for the Trekker Choice policy, but even less expensive plans are available!

Active military, their families, and post-military USAA members receive exclusive rates for travel insurance that includes these coverages. Children are included on most plans at no additional cost.

  • Lost/delayed baggage
  • Trip delays
  • Trip interruption/cancellation
  • Trip interruption/cancellation due to accident or illness
  • Medical expenses
  • Interruptions due to weather
  • Emergency assistance and evacuation

Travel Insurance example

With nearly a dozen awards so far in 2018, highly-rated Allianz is a trusted company in the travel insurance arena.

I was particularly impressed with their annual travel insurance policy offerings that are surprisingly affordable. The prices listed above are for an annual policy for travelers ages 30-80, and it covers unlimited trips of 45 days or less during the 12-month period.

It’s not just a medical policy either. In the top 2 plans above you’ll find trip cancellation/interruption, change fee coverage, collision damage waiver, and even business equipment coverage.

For coverage details and a specific quote, visit their website .

Expedia is the world’s leading travel provider, so a mention of their  Expedia ® Package Protection plan seems appropriate.

Pricing varies from $49 per person for travel within the continental U.S. to $89 per person for multiple international destinations.

The trip insurance includes trip cancellation/interruption coverage even for bad weather, mechanical failure, or strike. Medical emergencies/transportation and lost/stolen baggage coverage are also included. You can review details and additional coverages here . You may only purchase the package at the time of booking.

Before purchasing the Expedia Package Protection plan, you should price and compare a policy from one of the major providers. You may be able to find more coverage for a lower cost.

The U.S. Department of State publishes a list of travel insurance companies that provide coverage overseas; you can access it here .

Hot Tip:  Some travel insurance policies require you to be outside the United States for coverage, but others will cover you as few as 50 miles from home. Since travel insurance is widely available (and in many cases affordable), it may make sense to purchase a policy for medical and other valuable coverage even if you’re traveling domestically. 

Single/Multiple Trip Policies vs. Annual Policy: Which Is Better?

  • If you take 1 major trip annually, purchasing a single trip policy is the way to go. If it’s a trip you put together yourself, utilizing one of the providers mentioned in this article to purchase an individual travel insurance policy can be a simple solution and cover your trip appropriately.
  • If your trip is a packaged tour, there’s nothing wrong with selecting insurance offered by the tour provider, but arm yourself first by doing some research. You’ll want to be sure you’re not overpaying, and that you’re purchasing travel insurance coverages that take care of  your  personal concerns, not just those of the tour provider.
  • If you’re taking 2 trips a year, you can purchase a separate policy for each trip. If you’re taking 3 or more trips, you should consider an annual policy.
  • If you’re going on an extended trip and visiting several countries (say 3 months in length), companies such as World Nomads can issue a policy that covers your entire trip.
  • Taking a year off and traveling the world or just taking frequent international trips? You may want to consider a comprehensive annual travel insurance policy that covers multiple trips.
  • Pricing can vary widely, so it’s important to compare prices and select the coverage that’s most important to you.

Hot Tip: The best way to determine if a multiple-trip or annual travel policy is better is to simply price each option, compare coverage, and review any terms/conditions. You may find that insuring 2 or 3 trips could cost as much as an annual trip insurance policy. 

Travel Insurance for Special Situations

In your late 60s, your options for purchasing travel insurance start to diminish (but they don’t disappear!). There are still several travel insurance companies where you can purchase great coverage.

  • Allianz and Berkshire Hathaway each allowed me to quote a policy up to age 99
  • GeoBlue medical travel insurance covers through age 84
  • “Silver Nomads” age 70 and above can purchase coverage with World Nomad partner TripAssure

If a person is healthy enough to travel, they’re usually able to purchase travel insurance from many providers.

Allianz Global Assistance comes highly recommended by Wheelchair for travelers with disabilities. Their policy for a 45-year-old traveling on a 2-week trip costing $2,200 quoted between $76-$143 depending on the coverages I selected.

When you have 10 or more travelers in a group, you might consider group travel insurance as an affordable option.

For a group of 10 traveling to Mexico for a 2-week trip that cost $2,200 per person, the lowest quote according to a search on was $838, or $83.80 per person.

Coverage per person included:

  • Trip cancellation ($2,200)
  • Trip interruption ($2,200)
  • Good medical coverage ($20,000)
  • Good medical evacuation coverage ($100,000)
  • Trip delay ($150/day $500 max)
  • Baggage delay/personal effects ($700)

If you’re a traveling pet owner, you’ve probably considered insuring your pet during your travels .

While some travel insurance policies include coverage for pets, separate policies for medical/veterinarian care for your pet can also be purchased.

Here are a couple of options for purchasing pet insurance that cover your pet while traveling.

  • PetPlan – PetPlan insurance covers your pet in the United States and Canada and costs as little $8/month for $20,000 in annual coverage.
  • Travelex Travel Max  – The policy provides $1,000 in emergency medical treatment for your pet. If you are hospitalized while traveling and cannot take care of your pet, the policy will also pay to return your pet back home (up to $10,000).

Insurance is an intangible; we can’t see it or hold it in our hands. Unless you have a claim, you’re simply buying the peace of mind that comes from knowing you’re covered if things go wrong.

Travel insurance is a bit different than home or auto insurance, however — if you travel frequently, you know it’s common to experience delays, illness, lost baggage, and other travel disruptions where travel insurance could be useful.

Insurance is meant to protect you from disaster and major financial setbacks. Insuring yourself against losing money on an expensive trip or having a major medical event when traveling makes sense, especially since travel insurance is widely available and affordable.

Whether you should purchase travel insurance will depend on your risk tolerance level for what you could lose personally if things go wrong during your travels.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

How does travel insurance work.

When you plan a trip, you have to pay upfront for expenses such as airfare, hotels, cruises, and other related travel expenses. Travel insurance pays you money if there is a covered event that disrupts your trip.

For example, if you paid for a packaged tour but you became sick and unable to travel, travel insurance could reimburse you the cost of the tour and other covered expenses.

Travel insurance can also cover unexpected expenses you incur when your trip is interrupted due to cancellations, weather delays, or illness.

You can purchases policies that cover a variety of events such as lost/stolen baggage, medical emergencies, trip cancellation, trip delays and medical evacuation.

Can I insure my trip if I used frequent flier miles to purchase it?

Yes, you can. Most trips have extra associated costs even if you’re using frequent flier miles. You may incur taxes, seating upgrades, change fees, non-refundable lodging, and other associated costs.

When you insure your trip, you do not include the value of the frequent flier miles you used to purchase the trip, but any other non-refundable costs can be used to value and insure the trip.

Is travel insurance worth it?

There are several situations where you may not need travel insurance. If you are traveling domestically, purchased a cheap ticket, and have health insurance that will cover you, you probably do not need travel insurance.

Additionally, if you used frequent flier miles for your flight, points for your hotel, and are traveling domestically, you may not need travel insurance.

If you’re traveling internationally and you’ve paid for a lot of non-refundable travel expenses up front, you would want to purchase travel insurance.

This is because your health insurance may not cover you abroad, and you’d want to be protected. You also have significant funds at risk should you become ill and not be able to travel.

How much does travel insurance cost?

You can purchase travel insurance for as little as $25 for just basic coverage. The more coverage you want and the longer the length of coverage, the more it will cost.

Several factors go into determining the premium you will pay: your age, where you’re traveling, where you live, how long you’ll be traveling, which coverage you select, the amount of coverage you want, and which company you purchase the policy from.

Does travel insurance cover terrorism?

Yes, terrorism is covered under trip interruption/cancellation on many travel insurance policies. There can be stipulations for coverage, including that the event must be declared terrorism by local government or by the U.S. Department of State.

Additionally, there may be requirements that there has been no terrorism in the area for a specific period of time (7-30 days prior, for example).  Basically, if there has been ongoing terrorism and you travel there, coverage may be excluded.

Does AAA sell travel insurance?

Yes, AAA sells travel insurance for trips booked through AAA. When you book a trip with their travel agency, you will be offered travel insurance to cover your trip.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.


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The Best Travel Medical Insurance of 2024

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Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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

These are the scenarios when travel insurance makes most sense.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Allianz Travel

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Find the Right Travel Insurance Plan for You

Whether you're traveling for leisure or business, you'll appreciate the benefits and coverage Allianz Travel Insurance plans can provide. With 24/7 support from our travel professionals around the world, we helped over 70 million people last year to protect themselves from the unpredictable.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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

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Travel Medical Insurance and a Trip Cancellation Plan Cover You for Nearly Every Issue

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Travel medical plans cover emergency medical care should you get sick or injured. They also offer additional benefits listed below. However, they do not cover the cost of your trip. Travel medical plans are typically less expensive because they do not offer trip cancellation benefits.

Trip cancellation plans, also known as "trip can" plans, cover the cost of your trip should you have to cancel for covered reasons. They also offer some additional benefits such as trip interruption coverage and emergency medical benefits – although the medical benefits are not as robust as travel medical plans.

Travel insurance can be confusing. The trip cancellation insurance overview and travel medical insurance comparison below will help you analyze the differences in coverage between plans. Then you can find the coverage that fits your needs and your budget.

Below is a comparison of travel insurance plans available to all nationalities. We offer side-by-side analysis so you can compare travel medical insurance plans. We also provide the criteria you can use to assess trip cancellation plans .

Comparing Travel Medical Insurance Plans

Below is a comparison of the best travel medical insurance plans available to all nationalities - from any country traveling to any other country.

Review and compare   travel medical insurance plans using the table below. Click on the links at the bottom of each product for more details, or click to get a free quote, then apply. All companies listed below are high quality and have an A+, A, or A- rating by A.M. Best.

Travel medical plans typically offer a more comprehensive array of medical benefits than trip insurance (or trip cancellation ) plans but exclude coverage for trip cancellation. These plans are suited to the traveler who is going abroad from one week to one year and is concerned with the risks of getting sick or injured while in a foreign country.

The primary benefit of travel medical insurance is emergency medical insurance. This provides coverage if you are ill or injured and need to see a doctor or go to a hospital. Standard with all these plans is a 24-hour emergency assistance hotline. You can call anytime, day or night, for assistance in finding a doctor, choosing a hospital, or even replacing a lost visa. Other benefits include repatriation, which will get you back to your home country quickly, and emergency evacuation.

Travel Health Insurance Plan Comparisons

Eligible expenses are subject to deductible, coinsurance, the overall maximum limit, and are per certificate period unless specifically indicated otherwise. For further explanation of what these terms mean, please see our page Deductibles, Co-Pay and Out-of-Pocket Maximums .

Travel Health Insurance Comparisons

travel insurance comparison chart

Atlas Travel Medical

Voyager Choice

Best Known For

The best plan for short-term leisure, student, business, or missionary travel abroad.

The plan with the most comprehensive benefits and best for extended trips abroad.

The best plan for U.S. citizens traveling abroad wanting coverage for pre-existing conditions.

COVID-19 Coverage

Who is eligible.

All nationalities, excluding Australia and Canada

All nationalities

Home country must be the U.S.

Area of Coverage

Worldwide, excluding the U.S.

Length of Coverage

5 days to 364 days (not renewable)

5 days to 364 days

7 days to 180 days (not renewable)

Medical Maximums

Up to $2,000,000

Up to $5,000,000

Up to $1,000,000

Deductible Options

Range: $0-$5,000

Range: $0-$500


Outside the U.S.: The plan pays 100%

Inside the U.S.: The plan pays 100% after the deductible is met

Inside the U.S.: The plan pays 90% of the first $10,000, then 100% to the medical maximum

The plan pays 100%

Emergency Dental

$250 maximum

Injury: $500 maximum

Unexpected pain: $200 maximum

Injury: $300 maximum

Unexpected pain: $250 maximum


✔ (Exclusions apply)

24/7 Emergency Assistance

Emergency transportation, ambulance benefit.

Up to medical maximum

Up to $1,000

Emergency Medical Evacuation & Repatriation

Up to $500,000

Emergency Reunion

$100,000, up to 15 days

$200 per day, 10-day limit $50,000 maximum

Up to $1,500 per trip

Return of Mortal Remains

Up to $50,000

Up to $25,000

Pre-Existing Conditions

Coverage for pre-existing conditions.

Not available

Yes, through the acute onset of pre-existing conditions benefit.

Yes, if concurrently covered by a primary health plan.

Terrorism and Political Benefits

$50,000 lifetime maximum

Up to overall medical maximum

Political Evacuation

$100,000 lifetime maximum

Home Country Coverage

Incidental trips home.

Up to 15 days for every 3 months of coverage

Trip Interruption and Baggage

Loss of baggage / personal items.

Up to $500 per period

Up to $500 per occurrence ($50 per article max)

Up to $500 per period ($100 per article max)

Trip Cancellation

Trip interruption.

Up to $10,000 per period

Other Benefits and Information

Recreational sports and activities, adventure sports.

Available at additional cost

Personal Liability

Up to $10,000; $100,000 available at additional cost

Accidental Death and Dismemberment (AD&D)

$50,000 per person; $100,000 available at additional cost

$25,000 insured and travel companion; $5,000 per child; Aggregate limit: $250,000

$50,000 per person


HCC Medical Insurance Services

Seven Corners

GeoBlue/Blue Cross and Blue Shield


Lloyds of London

Certain Underwriters at Lloyd's, London and Crum & Foster SPC

4 Ever Life International

A.M. Best Credit Rating


View Plan |  Get Quote/Buy

The plan pays 100% (Outside U.S.)

Injury : $500 maximum Unexpected pain : $200 maximum

Injury : $300 maximum Unexpected pain : $250 maximum

View Plan | Get Quote/Buy

Compare Costs for the Best Travel Medical Insurance Plans

When comparing the costs of travel medical insurance plans, you should take several things into consideration.

We recommend reviewing and comparing the various benefits, additional options, and exclusions or restrictions in addition to the cost. Make sure you are eligible, and the plans cover what is most important to you. When you request a quote for the various plans, you can adjust your deductible and maximum limit to get the best cover for your specific needs.

The three travel plans featured below include Covid-19 coverage.

WorldTrips Atlas America and International

  • Affordable and customizable plan options.
  • Designed for U.S. and non-U.S. citizens traveling outside of their home country.

Trawick Safe Travels International

  • Affordable with optional upgrades available.
  • Designed for non-U.S. citizens traveling outside of their home country (excl. U.S.).

GeoBlue Voyager Choice Single-Trip

  • Coverage for pre-existing conditions with an existing primary health plan.
  • Best option designed for U.S. citizens traveling outside the U.S.

*Costs were calculated using a $100,0000 maximum limit and a $250 deductible.

Restrictions and Limitations

  • The Atlas plan is not available to individuals who are physically located in the states of New York, Maryland, or Washington, as well as in the countries Canada and Australia at the time of purchase.
  • The Voyager plan cannot accept an address in Maryland or New York. You must make your initial purchase in the U.S. before departing on the trip.
  • A Primary Plan is a Group health benefit plan, an individual health benefit plan, or a governmental health plan designed to be the first payer of claims for an Insured Person. If Medicare is the Primary Plan, see the Certificate of Coverage to determine how this Plan will pay benefits. NOTE: Medicaid and VA benefits are not deemed a primary health plan.
If you need more comprehensive coverage for a year or longer, consider an international medical plan . If you travel abroad multiple times each year, consider an annual travel insurance plan. If you would like to insure the cost of your trip, consider a trip cancellation insurance policy.

This comparison of the best travel medical insurance plans contains a summary description of plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in the fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the "look back" period if the policy does not meet your needs. Contact us for help, guidance, and to apply. Let us know if you need assistance in comparing travel medical plans. If you are traveling for a longer period and/or want more comprehensive medical insurance, review our annual global health insurance plans.

If you are simply interested in trip cancellation insurance, continue reading for more information.

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Trip Cancellation Insurance: What It Is, Why You Need It, and How to Compare Travel Cancellation Plans

As previously noted, travel insurance covers you only while you are on your trip. If you want protection in case your trip is canceled, you will need trip cancellation insurance, also known as travel cancellation insurance.

International Citizens Insurance partners with Visitors Coverage for trip cancellation insurance. They offer a wide selection of plans for American travelers as well as select plans for travelers from other countries.

Travel cancellation plans typically cover some or all of your expenses if you cannot go on your trip, depending on your selected option. These plans also offer additional benefits to travelers, including emergency medical coverage and coverage for lost luggage. Generally, the more you spend on your trip, the more likely you are a good candidate for cancelation insurance.

In order to compare trip cancellation plans and find the one that’s right for you, first make a list of your budget and what is most important to you. While “cancel for any reason” insurance is easiest, it is generally also the most expensive. A lower-priced policy may cover only specific circumstances, so you must review it carefully. If you want your rental car, sports equipment, or other items covered, you will want to check for things such as:

  • COVID-19 Benefits
  • Missed Connection Coverage
  • Rental Car Damage
  • Event Ticket Registration Fees
  • Sport and Golf Equipment Rental
  • Electronic Equipment Coverage
  • Travel Inconvenience Coverage
  • Flight Accident Coverage

After you have your list, generate a quote with our partner Visitors Coverage , who will provide you with several options. Once you have a quote, you can compare benefits, costs, coverage, and exclusions based on your specific details. Remember, you are not covered until you generate a quote and buy a policy.

If you have more questions, you can learn more about options, including trip cancellation, at our detailed Trip Cancellation Insurance page.

Let us know if you have any specific questions about Trip Cancellation Insurance . If you are traveling for a longer period and/or want more comprehensive insurance, review our Travel Medical Plans and Global Medical Insurance plans.

Compare Two of the Best Trip Cancellation Plans

Cheap trip cancelation for us citizens traveling abroad.

Seven Corners Insurance

Seven Corners Trip Protection Insurance

  • Comprehensive trip protection for U.S. residents traveling abroad.
  • Optional rental car collision coverage available.
  • Optional Cancel for Any Reason coverage available (if eligible).

Trip Cancelation for All Nationalities (with some exclusions)

World Nomads Insurance

World Nomads Travel Insurance

  • Coverage for 200+ adventure activities
  • Generous benefits for lost and stolen bags and gear
  • 24/7 emergency assistance

Considerations When You Compare Travel Insurance Plans

Review and compare the benefits and exclusions.

The most important factors are the benefits (what is covered) and exclusions (what is not covered).  The benefits and exclusions should be laid out in detail for you to review.  Although two companies may offer a similar benefit amount, if you review exclusions, one provider might exclude coverage for certain benefits that are not excluded by the other. Therefore, you should review both the benefit and exclusions in the plan details. Ask us for a copy of the "policy certificate" and "plan rules" which will provide a comprehensive list of all benefits and exclusions.

Travel Insurance Reviews

Who is the company behind the plan?  In most cases, you will be interacting with the plan administrator should you need to file a claim or receive assistance while abroad. Try calling the plan administrator's customer service or claims phone number and see what kind of response time you get from their call center. We have screened all of the plan administrators listed on this site to ensure quality customer service.

Related: Best Travel Insurance Companies

Travel Insurance Insurance Company / Plan Administrator

We are often asked about online reviews of travel insurance companies. Clients are often confused as the majority of reviews are negative and filed by upset consumers. The thousands of customers with positive experiences are not as motivated to file positive reviews. As a result, there are more negative reviews than positive - which is not an accurate reflection of the insurer. Be assured that most insurance companies, and all of the ones we recommend, are willing to pay legitimate claims.

All of the travel insurance companies listed on our website have been reviewed by our team. We have personally visited their offices and met with the management teams. Therefore, we are confident in recommending them to our clients. If you are not satisfied, we will support you in your effort to get your issue resolved with the insurer and quickly as possible.

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

travel insurance comparison chart

Compare Travel Insurance Plans and Save


Get a Quote

Compare plans, plans sorted by coverage and price,   click a plan name to see benefits summary,   scroll down to see side by side comparisons, latitudes premier plan benefits.

Total Price is for the entire plan which includes insurance and non-insurance assistance services.

EZ Travel Platinum Plan Benefits

Latitudes superior plan benefits, ez travel gold plan benefits, latitudes value plan benefits, ez travel silver plan benefits.

Prices are total for all travelers. Benefits are quoted per person. Total Price is for the entire plan which includes insurance and non-insurance assistance services.

How we rate the plans

Best plans have broadest coverage & cancel for any reason..., better plans give higher limits & substantially more coverage..., good plans have lower limits and more restrictive coverage..., email this quote.

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How to Compare Travel Insurance Plans

Travel insurance is a great way to give you peace of mind when you travel – both in the United States and abroad.

With many different travel insurance providers and a vast number of travel insurance plans to choose from including flight insurance, cruise insurance and travel health insurance, it can be confusing to find the right travel insurance policy. At TripInsurance, we make it easy to find a travel insurance plan that works for your specific needs and circumstances.

With our travel insurance comparison tool, you can compare plans, including their features and prices, to find a plan that best fits your insurance coverage needs – at the lowest cost!

What is Travel Insurance?

Travel insurance also known as trip insurance provides coverage when you travel in the US or abroad, and offsets all or some of the financial risks associated with travelling, such as unexpected medical expenses, accidents, lost or stolen baggage, and any trip delays or interruptions.

Unless you’re going on a short trip within the US that doesn’t require a non-refundable deposit, you probably need trip insurance. Trip insurance is a way to protect the financial investment in your trip and make sure you have adequate coverage if an unexpected medical issue or a travel-related issue on your trip. Just a single issue on your trip can cost you thousands of dollars, which makes travel insurance well worth the cost.

Getting travel insurance is especially important if you or a family member has a higher risk of a medical issue that could lead you to cancel or interrupt your trip. Some destinations and activities also come with a higher risk of injury, illness, natural disasters, and political unrest. Your unique circumstances and the type of trip will help you decide what travel insurance coverage works for you.

Whether you’re travelling for a change in scenery, adventure, relaxation, or something else, travel insurance lets you enjoy your trip rather than worrying about what could go wrong.

Compare The Best Travel Insurance Features

Travel insurance is often sold as a package, a comprehensive plan that offers a combination of coverage. Sometimes, insurance companies allow you to put together a custom travel insurance policy.

With so many travel insurance features to choose from, what is the best way to go about comparing travel insurance plans?

When comparing travel insurance, you’ll need to keep in mind what your specific needs are, your destination and type of trip, and weighing the risks you’re willing to take with your travel insurance budget. You should also check whether you have existing travel insurance coverage, maybe on your credit card or through your health insurance plan, and what is covered under those existing plans.

Travel Arrangements – Trip Cancellation, Travel Interruptions & Delays

Travel arrangements coverage can include all aspects of travelling from cancellations before your departure to delays and interruptions while travelling to your destination. Trip cancellation insurance reimburses you for any pre-paid, non-refundable expenses if you have to cancel your trip due to illness or death or natural disasters. If your tour operator or cruise line goes out of business, trip cancellation would be able to cover the deposit or other pre-paid expenses in connection with your vacation. Trip interruption coverage can reimburse you for the non-refundable, unused portion of your trip if it gets interrupted. Trip interruptions can happen due to an emergency evacuation after a natural disaster, political unrest, yours or a family member’s medical issue. Travel delay coverage pays for any expenses in connection with a delay or missed connection, such as hotel rooms and meals. Tips for Comparing Trip Cancellation Coverage:

  • Compare the conditions of when the insurance companies cover cancellations, delays and interruptions. Some companies cover cancellations if there has been a recent terrorist attack or an outbreak of a disease at your destination, but others don’t.
  • Some insurance companies offer all-encompassing trip cancellation policies at an extra cost, so you can cancel for any reason and still get imbursed. You will often need to buy this extra coverage within a certain time period after making the initial trip deposit.
  • Note that trip cancellation insurance is different from cancellation waivers sometimes offered by cruise or tour operators, which are much more limited in their coverage.
  • Compare the maximum daily limits and trip costs that can be reimbursed in the policies.

Medical Insurance

Medical travel insurance covers emergency medical expenses if you fall ill or get into an accident while you’re on your trip. Emergency dental, emergency medical evacuation (transport to the nearest hospital), and medical repatriation (transportation to your home). Even if you have health insurance, your existing insurance might not give adequate medical coverage on your trip. Another benefit of buying medical travel insurance is that you typically don’t have to pay deductibles. Accidental death and dismemberment coverage is similar to life insurance and pays a lump sum to your family or other beneficiaries if you die in an accident during your trip. Some policies will also pay out a sum if you become disabled as a result of an accident during your trip. Other insurance plans only apply to accidental death in the plane – remember to check the details of the insurance plans you’re considering. Major medical insurance is coverage if you will be away on your trip for several months or more and need medical care while you’re away. Check with your health insurance to see how you’re covered for international travel, the limits, deductions, co-payments, and other conditions that may apply that affect the overall costs. Tips for Comparing Medical Coverage:

  • If relevant for you, check to see if the policy covers pre-existing conditions. Also, note that death due to a pre-existing medical condition is usually not covered by accidental death and dismemberment coverage.
  • Note that Medicare and Medicaid do not provide coverage outside the US
  • Check coverage and limits for big-ticket medical expenses such as medical emergency evacuation.
  • Look for a plan where the insurance provider makes payments directly to the hospital or medical service provider, so you don’t have to foot a large medical bill.
  • If you are planning on taking part in any sport and adventure activities, such as skydiving, skiing, or an organized sporting event, check to see if you need additional medical travel insurance coverage.
  • If you’re bringing pets on your trip, consider buying a plan that covers pet medical expenses.

Activity Coverage

Some travel insurance plans cover damage to your rental car, your hotel room or other accommodation, and accidents and damages in connection with any sports activities. For younger or active travellers, activity coverage is an excellent option to ensure you have the right coverage for all the fun things you plan to do on your trip. Not only does sports coverage cover medical expenses if you get injured while taking part in organized sporting events and adventure sports such as skydiving, but your sports equipment is typically also covered. Depending on the specific activities you’re planning to do, check the insurance coverage. Tips for Comparing Activity Coverage:

  • Check whether your car insurance covers rental cars for the country you’re travelling to. US car insurance companies usually don’t cover rental cars outside the USA and Canada.
  • If you are renting a car, check with them in advance about what their insurance options are, so you don’t have to rush through the policy in the airport or rental office.

Baggage and Personal Belongings

Travel insurance coverage for baggage and personal belongings will reimburse you if your baggage is damaged, stolen, or lost during your trip. Some policies also cover expenses in connection with a baggage delay, but there is often a minimum delay time required before this type of coverage applies. Tips for Comparing Baggage Coverage:

  • Check each policy to determine the reimbursement limit. There is typically a limit to how much you can be reimbursed per person, item, and type of item. This limit is especially important if you’re travelling with valuable items such as jewellery and cameras.
  • Check your renters or home insurance to see if you have any coverage for personal items. Note what the deductible (the amount you have to pay before the insurance kicks in) is for claims.

Additional Services

Many travel insurance plans offer additional services that can make a big difference in your travel insurance experience. Before you buy travel insurance for your next trip, check that the travel insurance company offers 24-hour travel assistance for issues during your trip. 24-hour assistance is especially important for international travel where the time difference might make it difficult to get in touch with the insurance company during regular office hours. The 24-hour travel insurance might include services such as help with replacing lost prescription medicine, coordinating care in a medical emergency, language interpretation services, and help with replacing passports and other travel documents. Some travel insurance plans also include concierge services that can help connect you with local experiences and services such as providing restaurant recommendations, book tickets and make reservations for local entertainment or sporting events, and other assistance services. Tips for Comparing Additional Coverage:

  • Some travel insurance plans also provide helpful support and information before you go on your trip, such as information on vaccinations, visas, or travel health.
  • If you are going on a business trip or are working while travelling, some plans also provide business assistance services.

Compare Travel Insurance Companies

Comparing travel insurance plans is, of course, the key to finding good travel insurance, but don’t forget to consider the travel insurance company itself. You want to make sure you choose a travel insurance company that is reputable and has great customer service, a good track record for handling claims, and can help you before, during, and after your trip. To find an insurance provider you can trust, look for reviews and accreditations to gauge how the travel insurance company stacks up. Tips for Comparing Travel Insurance Companies:

  • Look at reviews and testimonials on the website and other review websites.
  • Make sure the company is accredited with the Better Business Bureau and what its BBB rating is.
  • Look for the word ‘insurance’ rather than ‘travel protection’ and ‘travel assistance’. If the company is not an actual insurance provider, it is not subject to the same regulation.

Compare Travel Insurance Quicker and Easier

Buying travel insurance shouldn’t be an afterthought to your travel planning. Finding the best insurance plan for your trip depends on your specific trip and circumstances. It is worth it to spend some time researching and comparing the different trip insurance plan options, so you can travel confidently, knowing you are prepared for any unexpected issue. Travel Insurance is the best way to protect the financial investment in your trip. It’s best to start looking for travel insurance sooner rather than later. The best time to buy travel insurance is right after making the first deposit for your trip. TripInsurance makes it easy to compare the many different travel insurance plans and details of plan features. We have done the legwork on researching travel insurance plans to save you both time and money. This way, you can find the best plan at the best price that matches your specific travel insurance needs. TripInsurance is there to help you both before, during, and after your trip!

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Money-Saving Strategies for Buying Travel Insurance

5 tips for navigating to the right choice for your trip, sharing is nice.

We respect your privacy . All email addresses you provide will be used just for sending this story.

If you're planning a summer vacation , thinking about what could go wrong is probably the last thing you want to do.

But travel insurance could come in handy if your trip is canceled or interrupted due to a medical emergency, a natural disaster, or another unforeseen event. And deciding whether you need it—and if so, what kind—means planning for the worst.

The first question is whether you need a policy at all. The answer? Not always, according to Jeffrey Miller, a travel law attorney and professor at Florida Atlantic University, who says that much depends on your personal situation as well as the type of trip.

"The millennial going to Las Vegas doesn't need travel insurance," he says. "But if you're in your 40s and have elderly parents who might fall ill and cause you to cut short your holiday, then yes, you should definitely get coverage." 

In general, it's probably prudent to protect any trip that's valued at more than a few thousand dollars. Beyond that, other factors to consider might be the age and health of the travelers and whether your itinerary takes you into remote or risky territory.

"Our No. 1 claim type is trip cancellation," says Berkshire Hathaway Travel Protection vice president Carol Mueller. So bear in mind that you don't always need a Cadillac plan that covers everything from lost baggage to medical evacuation costs.

There are, of course, a multitude of plans to choose from, and you can narrow it down with the help of a travel agent or an online aggregator. Generally, policies fall into three categories—basic, midlevel, and premium—with coverage and prices rising accordingly.

Typically, premiums for comprehensive coverage range from 4 to 10 percent of the total tab of your trip. In recent years, however, travel insurers have come out with tailored policies at lower prices. For example, Berkshire Hathaway has a no-frills "Air Care" plan that just covers flight mishaps like delays or lost bags, starting at $26 for a simple round trip.

If you do decide you need to cover all bases, however, you might want a broad-based policy. Just bear in mind that it's important to know exactly what's covered.

Inquiries to travel insurance companies typically soar after high-profile events like acts of terrorism, or an outbreak of a disease like the  Zika virus.   For example, calls to insurers spiked after the recent grounding of the  Boeing 737 Max , according to the comparison site Insure My Trip. But as anxiety-provoking as events like these may be, under most travel insurance plans, they're not considered valid grounds to get a full refund if you cancel your trip.

Here, five guidelines to make sure you get what you need without overpaying.

Check Your Existing Insurance Coverage

You may already have some travel insurance as a perk of your credit card, but you'll need to check.

Some credit card issuers offer coverage for car rental damage, lost luggage , or trip cancellation, but any protection they do offer is likely to come with some limits on the ultimate payout. For rental cars, your personal auto insurance may cover you, too.

Nonetheless, if you have credit card coverage, you may be able to get by with a less expensive general trip protection plan. And when it comes to baggage , know that coverage from travel insurers is typically considered secondary, meaning it will pay only for anything in excess of what you're entitled to if you file a claim with your airline .

It's also worthwhile to look into your health insurance and whether it will cover you when you're on the road. Medicare, for example, won't help if you're not in the U.S., but other insurers might.

Aetna, for instance, covers policyholders on international trips, but the care is reimbursed as "out of network," which means higher out-of-pocket costs. And if you have an accident and need to be airlifted to a hospital, the costs of care can skyrocket .

If you're buying travel medical insurance, be aware, too, that some policies won't cover pre-existing conditions. Even when they do, they're often dependent on your purchasing the policy close to the date when you bought the trip. (Some have a "look back" clause that can search your health records for as long as a year prior.)

Comparison Shop

If your trip planning begins with booking an airplane ticket, you'll almost certainly be prompted to buy trip protection from the airline before you hit the purchase button. Don't rise to the bait, says Miller. "It's better to seek out all the options before you buy."  

Whether or not you buy through them, websites like InsureMyTrip and SquareMouth provide free quotes from multiple insurers and make it easy to filter search results by your customized needs.

In many states, travel agents who sell trip insurance are licensed for that purpose, and their knowledge and experience can also help narrow your choices appropriately. Whatever source you use, think carefully about what benefits you actually need before putting your money down.

Be Aware of Timing Provisions

Perhaps it's hurricane season, and you're having second thoughts about having paid in full for that upcoming beach holiday in the tropics. Can you take out an insurance policy to ease your worries?

You might be able to, but don't wait until a particular storm threatening your vacation is powerful enough to have been christened, advises Berkshire Hathaway's Mueller.

"When a hurricane is named, it is no longer an unknown event and no longer covered as a reason for cancellation" if you haven't already purchased the policy, she says. 

That's not the only timing factor to consider. A terrorist attack in your intended destination could be grounds to cancel under some policies with a terrorism clause. But usually that coverage applies only if you're traveling within 30 days of the event. If your trip is still six months away, the insurance won't pay out simply because you no longer want to go.

In general, you may be able to buy some types of trip protection up to 24 hours before your departure, but waiting until that point might mean you can get only basic coverage like baggage loss or damage protection and emergency medical coverage, according to Allianz Travel Insurance .

For more comprehensive coverage that includes benefits like a pre-existing medical condition waiver or protection if a trip is canceled because of a terrorist attack or an airline bankruptcy, a policy typically must be purchased within 14 days of making the initial trip deposit.  

Look Into Annual Plans

If you're taking more than two major trips per year, an annual plan could be a better deal than paying as you go with single-trip policies, according to Stan Sandberg, co-founder of . Both types of plan can cover the same occurrences (trip cancellation, medical emergencies), but the year-long coverage could bring your pro-rated costs down. 

For example, insurance provider April Travel Protection recently launched a customizable annual plan that covers an unlimited number of trips per year, both in the U.S. and abroad. Customers can choose their level of coverage for trip cancellation or interruption, medical care, evacuation, and other events.

Prices start at $75 for those under 30, rising up to $179 for those 60 years or older. This policy isn't sold in all states, however, and the state of Washington doesn't permit annual plans of any type to be sold there. 

Be Careful About CFAR Insurance

Every insurance policy has sits own specific rules about what triggers coverage. That's why you should be skeptical of "cancel for any reason" (CFAR) insurance, which sounds appealing but is pricey, frequently running 40 percent more than basic insurance. What's more, this coverage often pays out only from 50 percent to 75 percent of your total expenses vs. the full cost paid by regular travel insurance.

Some states, such as New York, may limit or prohibit sales of CFAR policies. (The New York Department of Financial Services explains that because insurance is intended to protect against unforeseen events, CFAR can't be considered real insurance since it allows the buyer to control the reasons for filing a claim.)

So keep in mind that trip insurance, like all other protection policies, is subject to state regulation, which can vary widely around the country. Check with your own state's regulator if you're concerned whether you can buy a particular type of coverage.

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Bringing the full power of Copilot to more people and businesses

Jan 15, 2024 | Yusuf Mehdi - Executive Vice President, Consumer Chief Marketing Officer

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As we kick off a new year, we’re thrilled to see people increasingly using and loving Microsoft Copilot for work and life. Our goal is to empower every person and every organization on the planet to achieve more by bringing Copilot, the everyday AI companion, to millions of people around the world. We have reached another milestone in this mission with more than 5 billion chats and more than 5 billion images to date. As Copilot continues to earn preference and usage, we’re receiving valuable feedback on how to improve. Two examples: First, there are a set of Copilot power users like creators, researchers, programmers and others who want more rapid access to the very latest we have to offer. And second, our Microsoft 365 customers want access to Copilot in the Microsoft 365 apps for personal use.

To help address those needs, today we’re delighted to announce more options for power users, creators and anyone looking to take their Copilot experience to the next level. This begins with the introduction of Copilot Pro, a new premium subscription for individuals that provides a higher tier of service for AI capabilities, brings Copilot AI capabilities to Microsoft 365 Personal and Family subscribers, and new capabilities, such as the ability to create Copilot GPTs. We are also announcing the general availability of our Copilot app for iOS and Android phones. Finally, we’re excited to bring Copilot for Microsoft 365 to more commercial customers by expanding the availability to businesses of all sizes, including small- and medium-sized businesses, starting today.

Introducing Copilot Pro: Supercharge your creativity and productivity

Today we’re announcing the availability of Copilot Pro, a new subscription that delivers the most advanced features and capabilities of Microsoft Copilot to individuals looking to supercharge their Copilot experience. Whether you need advanced help with writing, coding, designing, researching or learning, Copilot Pro brings greater performance, productivity and creativity.

Copilot Pro provides:

  • A single AI experience that runs across your devices, understanding your context on the web, on your PC, across your apps and soon on your phone to bring the right skills to you when you need them.
  • Access to Copilot in Word, Excel [i] , PowerPoint, Outlook, and OneNote on PC, Mac and iPad for Microsoft 365 Personal and Family subscribers.
  • Priority access to the very latest models – starting today with OpenAI’s GPT-4 Turbo. With Copilot Pro you’ll have access to GPT-4 Turbo during peak times for faster performance and, coming soon, the ability to toggle between models to optimize your experience how you choose.
  • Enhanced AI image creation with Image Creator from Designer (formerly Bing Image Creator) – ensuring it’s faster with 100 boosts per day while bringing you more detailed image quality as well as landscape image format.
  • The ability to build your own Copilot GPT – a customized Copilot tailored for a specific topic – in our new Copilot GPT Builder (coming soon) with just a simple set of prompts.

You can subscribe to Copilot Pro today for $20 per month/per user.

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Expanding Copilot for Microsoft 365 to businesses of all sizes

While Copilot Pro is our best experience for individuals, Copilot for Microsoft 365 is our best experience for organizations. Copilot for Microsoft 365 became generally available for enterprises in November. As we said earlier this year, 40% of the Fortune 100 participated in our Early Access Program, and since GA for enterprise, customers like Visa, BP, Honda, Pfizer, and partners like Accenture, KPMG and PwC are already using Copilot — which means thousands of people across industries and sectors have started working in new ways, with an AI-powered copilot at their side. Today we are excited to announce that Copilot for Microsoft 365 is now available for organizations of all sizes — with no seat minimum. We are also enabling our partners to help every business become AI-powered.

Today’s updates include:

  • Copilot for Microsoft 365 is now generally available for small businesses with Microsoft 365 Business Premium and Business Standard Customers can purchase between one and 300 seats for $30 per person per month.
  • We’re removing the 300-seat purchase minimum for commercial plans and making Copilot available for Office 365 E3 and E5 customers (A Microsoft 365 license was previously required).
  • Commercial customers can now purchase Copilot for Microsoft 365 through our amazing network of Microsoft Cloud Solution Provider partners .
  • Last month, we also announced eligibility of Copilot for Microsoft 365 for education faculty and staff.

Copilot for Microsoft 365 is even more powerful for organizations because it works across your entire universe of data at work — including emails, meetings, chats, documents and more, plus the web. With natural language prompts like “Tell my team how we updated the product strategy,” Copilot can generate a status update based on the morning’s meetings, emails and chat threads. Copilot is also integrated into the apps millions of people use every day, including Microsoft Teams (which is not available with Copilot Pro). Copilot jump-starts your creativity in Word, analyzes data in Excel, designs presentations in PowerPoint, triages your Outlook inbox, summarizes meetings in Teams – whether you attended or not – and so much more. Backed by enterprise-grade security, privacy, and compliance, and Microsoft’s Customer Copyright Commitment , we can’t wait to see how businesses of all sizes achieve more using AI. Learn more on the Microsoft 365 blog .

Copilot Mobile app screeshots

As we expand the availability of Copilot to even more people, we continue to offer a great free experience for anyone interested in exploring how Copilot can transform productivity and creativity using AI. Today we’re excited to share additional updates to Copilot. You can get started by visiting

  • Copilot GPTs – Today we’re announcing Copilot GPTs. Copilot GPTs let you customize the behavior of Microsoft Copilot on a topic that is of particular interest to you.  A handful of Copilot GPTs will start to roll out beginning today with specific purposes such as fitness, travel, cooking and more. Soon, Copilot Pro users will also be able to create their own Copilot GPTs using Copilot GPT Builder. Stay tuned for more on this experience as we get closer to availability.
  • Copilot mobile app – The Copilot mobile app is now available for Android and iOS. The Copilot app gives you the power of Copilot on the go as your Copilot queries and chats will roam across your phone and PC. The Copilot mobile app includes the same capabilities of Copilot on your PC including access to GPT-4, Dall-E 3 for image creation, and the ability to use images from your phone when chatting with Copilot. Download the app from the Google Play Store or the Apple App Store .
  • Copilot in the Microsoft 365 mobile app – We’re also adding Copilot to the Microsoft 365 mobile app for Android and iOS for individuals with a Microsoft account. This new feature is rolling out over the next month. Access Copilot right inside the app and easily export the content you create to a Word or PDF document. Download the app from the Google Play Store or the Apple App Store .

With today’s announcements, we continue to bring Copilot to more customers with more options that work for them. Whether you’re looking to get started with Copilot for free, want to supercharge your Copilot experience with Copilot Pro or are an SMB or Enterprise customer looking to increase your productivity in new ways with Copilot for Microsoft 365, there’s a Copilot experience for everyone.

[i] Currently in preview, English only

Tags: AI , Copilot Pro , Microsoft 365 Copilot

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travel insurance comparison chart


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    150% Trip Cost* 100% Trip Cost* Trip Delay $1,500 ($200/day) - 3 hours $300 ($100/day) - 12 hours Change Fee $250 $250 Itinerary Change $500 — Frequent Traveler Reward $250 $250 Single Supplement Included Included Missed Tour or Cruise Connection $500 - 3 hours $300 - 12 hours Pet Kennel $500 ($50/day) —

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