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6 best travel insurance companies of July 2024

Travel insurance can protect you against a range of unforeseen events, from lost bags to medical emergencies..

Whether you're taking a family vacation to Disney World or a romantic cruise through the Mediterranean, travel insurance could help protect your trip from the unexpected. From trip cancellations and flight delays to medical emergencies, travel insurance could protect you financially and give you peace of mind.

There are several different types of travel insurance plans to choose from when shopping for a policy. Here are a few of the common coverage types:

• Trip cancellation coverage : Helps recoup travel expenses if you can't travel, though generally limited to specific reasons.  
• Travel delay coverage: Helps cover expenses if your travel is delayed due to a covered reason. 
• Trip interruption coverage: Helps if you need to cut your trip short. Covered reasons may include an injury or illness on the trip, or a family emergency at home. 
• Medical expenses and emergency evacuation coverage: This covers unforeseen medical expenses when traveling outside the U.S. where your health insurance may not work. Emergency evacuation could help get you home if medically needed while overseas. 
• Baggage loss: Covers baggage lost, damaged or stolen during your trip.

You'll also want to consider the prospective insurer's epidemic-related coverage. Each insurance company covers epidemic-related issues, such as Covid-19, differently, so check the fine print on a policy you're considering.  

CNBC Select analyzed dozens of different U.S. travel insurance products and narrowed down the top six for all sorts of travelers. (Read more about our methodology below.)

Best travel insurance companies

• Best for lost baggage and personal belongings: AXA Assistance USA travel insurance  
• Best for customization: Travel Guard travel insurance
• Best for cancellation coverage: Allianz travel insurance
• Best for travel medical plans: USI Affinity travel insurance
• Best for cruise insurance: Nationwide travel insurance
• Best for luxury travel: Berkshire Hathaway Travel Protection

Best for lost baggage and personal belongings 

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA ’s travel insurance offers three different plans for travelers to choose from, with the most basic plans including trip interruption and cancellation and baggage and personal effects coverage. The platinum plan offers coverage for lost ski days and golf rounds, ideal for trips centering around those activities. 

Best for customization

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help track luggage and cover lost or delayed baggage.

Read our AIG Travel Guard review

• Adult policies comes with coverage for one child under 17
• 24/7 customer assistance
• Emergency medical care and evacuation limits can be doubled
• Cancel For Any Reason policy only reimburses up to 50% of trip cost.
• Standard medical emergency coverage limit is lower than some competitors
• Not all products are available for purchase online

For those wanting to cover an upcoming trip, Travel Guard is a strong option because of its variety of coverage types. With three base packages available online and more options available through a representative, there are a variety of ways to customize your policy. The deluxe, preferred and essential plans include coverage for one related child age 17 or younger.

Best for trip cancellation coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Travelers who want the ability to cancel their trips will find 10 different travel insurance policies through Allianz . You can either purchase coverage for a specific trip or purchase an annual plan that covers an entire year's worth of trips. Instead of basic cancel for any reason coverage, Allianz offers a Cancel Anytime policy that can reimburse up to 80% of prepaid, non-refundable trip costs, while many other companies we reviewed cap "cancel for any reason" (CFAR) coverage at 75%. 

Best for travel medical plans

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

People who are traveling out of the country can find medical plans from USI Affinity to cover them during their travels. Frequent travelers can get an annual medical plan that covers them on multiple trips of 30 days or less. This company also has trip cancellation insurance policies in addition to global travel medical plans. 

Best for cruise insurance

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Those planning a cruise in the future might find cruise-specific travel insurance helpful. Nationwide offers cruise-specific insurance that can cover things like emergency accidents, sicknesses, itinerary changes and trip interruptions to start. Nationwide offers three tiers of cruise insurance (universal, choice and luxury) to get the right level of coverage for every type of trip. Nationwide offers a 10-day review period on its cruise policies (though unavailable in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Since a luxury vacation is a large investment, insuring it could ensure that cost is covered if you have to cancel or have your trip interrupted. Berkshire Hathaway ’s LuxuryCare travel insurance has high limits of coverage for trip interruption coverage, medical expenses, and coverage for things like sporting equipment. Berkshire Hathaway also covers cruises and adventure travel with other separate plans. 

Travel insurance FAQs

How do i choose the best travel insurance .

The best travel insurance is one that will meet your needs, cover the type of travel you’re doing (and the experiences you’re planning) and will give you the peace of mind you need. 

Shopping around for travel insurance can help you make sure that you get the best deal possible. Since policies and coverage can vary by company, it could be helpful to get several quotes and compare the coverage limits and types available from several companies to find the best deal for your specific needs and trip. 

To simplify the shopping process, a travel insurance comparison site like InsureMyTrip or Squaremouth could help you understand how much you’ll spend and what types of insurance coverage are available for your trip. 

Is travel insurance worth it? 

Whether or not travel insurance is worth it could depend on the types of coverage you already have, including whether or not an existing travel credit card you hold could provide similar coverage, and whether that would cover your concerns. 

Some travel credit cards offer car rental insurance , baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. In addition, others offer more coverage like travel accident insurance. 

The Chase Sapphire Reserve® , for example, offers travel accident insurance, emergency evacuation insurance, and coverage for baggage delays and lost luggage reimbursement. Several of CNBC Select’s top travel credit cards also offer some credit card travel insurance that could cover potential travel issues.

How much does travel insurance cost?

The average travel insurance costs between 4% and 10% of your prepaid, non-refundable trip costs, according to travel insurance marketplace InsureMyTrip . 

However, travel insurance costs vary based on the cost of the travel you’re insuring, as well as the age of the travelers and any extra coverage that’s added to the policy. 

Bottom line

Travel insurance can cover a range unexpected events on your trip, from lost baggage to emergency medical expenses. While costs vary based on age, type of coverage and trip costs, it can be useful if you need to cancel or cut your trip short.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance.

Our methodology 

To determine the best travel insurance companies, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for many situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. 

From there, we sorted our recommendations by the best overall and runner-up, best for cancellation coverage, best for travel medical plans, best for cruise insurance and best for luxury travel.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate per the company’s policies.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money . And follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

The Best Travel Insurance Companies of 2021

Best overall travel insurance, best for solo travelers.

John Hancock

Best for Tailored Plans

Allianz Global Assistance

Best for Premier Travel Insurance Plans

AXA Travel Insurance

Best for Adventure Sports Coverage

World Nomads

Best Travel Insurance for Groups

APRIL International

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Reviews Report

• Reviews.com rates IMG as the best travel insurance company, earning a 4.75 out of 5.
• The best travel insurance companies have broad areas and limits of coverage and excellent service for the insured.
• Medical coverage and trip cancellation/interruption are must-haves when choosing the best travel insurance company.

Travel insurance is an often overlooked way to protect the investment in your vacation or trip abroad. It covers incidents such as canceling trips, medical evacuation, lost or delayed baggage, and more. However, picking the best travel insurance policy isn’t always easy — especially when COVID-19 has slowed travel and canceled trips outright.

In making our selections for the best travel insurance companies of 2021 we analyzed each company’s travel insurance offerings using a number of criteria like medical coverage limits, available add-on coverage options, and the number of plans to choose from.

The 6 Best Travel Insurance Companies of 2021

• IMG : Best Overall Travel Insurance
• John Hancock : Best Insurance for Travel Cost Reimbursement
• Allianz Global : Best Travel Insurance for Tailored Plans
• AXA : Best for Premier Travel Insurance Plans
• World Nomads Travel Insurance : Best Travel Insurance for Adventure Sports
• APRIL International : Best Travel Insurance for Group Travel

Compare the Best Travel Insurance Companies

Information accurate as of April 2021

Why we chose it

• 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• NR AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $100K–$500K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 180 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Plans specifically for seniors available
• Additional add-on coverage available
• High medical coverage
• Number of plans is limited
• Lengthy wait to initiate claim for lost luggage
• Trip cancellation: $50K
• Trip interruption: 150% cost of trip
• Medical coverage: $500K
• Medical evacuation: $1M
• Sports/recreation: $500K
• Travel delay: $500 (Max $125/day)
• iTravelInsured Travel Lite
• iTravelInsured SE
• iTravelInsured LX
• Senior plan
• 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• $50K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Multiple plans
• 24/7 emergency travel assistance
• Up to $1K missed connection coverage
• Lower medical emergency coverage than competitors
• Few add-on coverage
• No free child traveler coverage
• Trip cancellation: Up to 100% of trip cost
• Trip interruption: Up to 150% of trip cost
• Emergency medical: Up to $250K
• Medical evacuation: Up to $1M
• Baggage delay: $500
• Lost baggage: $2,500
• Bronze: Basic plan with lower coverage limits than other two
• Silver: Intermediate plan with more value than Bronze 
• Gold: Premier plan with best coverage 

More John Hancock Insurance Reviews 

• John Hancock Travel Insurance Review
• 3.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$50K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Multiple plans to choose from
• Children 17 and under, free
• Annual plan for multiple trips
• Relatively low medical limits
• Often difficult to compare multiple plan offerings
• Some plans are relatively expensive
• Trip cancellation: Up to $100,000
• Trip interruption: Up to $150,000
• Medical coverage: $50,000
• Emergency medical: $25,000
• Lost baggage: $1,000
• Change fee: $500
• Annual Plans
• One Trip Cancellation Plus
• One Trip Basic, Prime, Premier
• One Trip Emergency Medical

More Allianz Global Insurance Reviews

Allianz Travel Insurance Review

• 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• $25K–$250K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• 60 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• Very comprehensive top tier coverage
• Broad adventure travel coverage
• No deductible
• Limited coverage for lower tier plans
• Extensive exclusions for lost/damaged personal property
• Trip delay: Up to $300/day; $1,250 max
• Medical coverage: Up to $250K
• Medical evacuation: Up to $1M 
• Baggage delay: Up to $750 max
• Lost baggage: Up to $3K
• Silver Plan: Basic plan
• Gold Plan: Better value
• Platinum Plan: Premier coverage
• Adventure Product
• 2.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• Not Rated AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
• Up to $100K Medical Coverage Medical coverage is what the company will pay out to you if you were injured or ill on your trip and needed medical care abroad.
• Adventure sports coverage
• Language apps for iPhones
• COVID-19 coverage
• No pre-existing med coverage
• Restricted civil unrest coverage
• Less extensive med coverage
• Emergency dental: $750
• Trip cancellation: $2,500 / $10K
• Trip interruption: $2,500 / $10K
• Medical evacuation: $300K / $500K
• Lost, damaged, stolen gear: $1K/$3K
• Standard Plan
• Explorer (Enhanced) Plan
• 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
• 60-90 days Trip Length This is the maximum number of days the travel insurance company will cover your trip.
• High coverage for trip delay
• Group travel policies available
• Cancel for any reason available
• Low trip cost coverage
• Sports equipment coverage not automatic

Add-ons and Coverage

• Trip cancellation: 100% of cost
• Cancel for any reason: 75% of cost (only for Pandemic Plus plan)
• Trip interruption: 150%–175% of cost
• Medical evacuation: $500K (only for Pandemic Plus plan)
• Lost baggage: Up to $2,500
• APRIL Pandemic Plus
• APRIL Trip Cancellation
• APRIL Choice with Pre-Ex Waiver
• APRIL Cruise

Travel Insurance: What You Need to Know 

Travel insurance is an optional protection that most travelers should consider. Travel insurance helps people recover losses if travel plans are disrupted. This can include full recovery of prepaid expenses if the trip is canceled entirely as well as coverage for expenses incurred on a trip if facing problems such as a medical emergency or lost items.

A number of credit card companies provide some automatic travel insurance but coverage is limited and often doesn’t cover crisis situations such as the need to evacuate for a civil disturbance or natural disaster. The best travel insurance policies will provide full coverage, can be tailored to specific needs, and reimburse customers for losses and costs that will arise if plans go astray.

Purchasing travel insurance works much like buying other common coverage, such as home or auto insurance. The first step is to understand and list all of anticipated travel costs and potential risks, then contact several companies to obtain quotes to compare. 

What Travel Insurance Covers 

Medical care and evacuation.

The best travel insurance policies provide coverage for emergency medical expenses should a traveler be injured or become ill. Most policies will also offer coverage for the cost of evacuation due to a medical emergency.

Typically, plans reimburse for the cost of emergency care up to a limit set in the policy. It is important to review these limits carefully in light of personal medical risks and health concerns specific to the travel destination. Medical coverage will continue to be a vital part of any trip planning during the COVID-19 pandemic and post-pandemic environments.

Trip cancellation and interruption

Trip cancellation coverage is important if you need to completely cancel a trip because of personal reasons, weather-related incidents, or other covered events. You should review the coverage to assure that protection also applies when a trip is cut short for one of these same reasons.

This interruption coverage is designed to reimburse travelers for the unreimbursed costs incurred for the unused part of the trip. When searching for appropriate travel insurance policies, make sure to carefully forecast your costs for a trip Interruption or cancellation and ensure coverage limits are sufficient.

Delayed or lost baggage

Delayed baggage coverage reimburses travelers for the cost of obtaining toiletries and other basic necessities when baggage is delayed during a trip. On the other hand, lost baggage covers personal items and bags that are completely list and cannot be recovered.  In addition to reimbursement for items lost, many policies provide lost baggage tracking assistance. Be certain to read the fine print as usually each of these coverages come with some pretty stringent conditions. Also, compare this coverage with coverage offered by your credit card providers, as this is one area where these coverages may overlap.

Cancel for any reason

For an additional fee, many insurers will add a “Cancel for Any Reason” provision, which covers travelers in the event of a canceled trip, because of the risk of some disaster, such as a forecasted hurricane or civil unrest while traveling internationally .

The policy timeframe for canceling a trip will be critical so it is important to review the specific policy terms and understand just how close to departure you can cancel and be covered. Also, the extra cost of this coverage can be steep so be certain it is necessary.

How to Choose the Best Travel Insurance Company

Prior to buying travel insurance, it is important to determine the travel coverage you may already have from other sources such as your credit cards, existing health insurance, or homeowners insurance. Also, have your total prepaid and anticipated trip costs calculated and handy. 

Here are some tips on selecting the best travel insurance company policy for your needs:

• Review any home insurance, umbrella insurance, health insurance, and credit card coverage that may already apply to traveling. For example, some home insurance policies cover lost items no matter where you are and health insurance could apply to situations outside of the United States.
• Understand the factors that will guide you in selecting the best policy for you — length of trip, destination, your age and health condition and anticipated involvement in high risk sports or other activities.
• Compare the detailed features and prices of several plans — try to find the cheapest travel insurance company plan that will also cover everything you need.
• Understand all of the deductible options that are available.
• Read the fine print and don’t be afraid to ask questions of the insurance company when plans are confusing or you would like a modification to the plan offered.

Finally, once you have purchased a policy and before departing on your trip, make sure you understand the process for filing a claim and seeking emergency assistance should the need arise. You do not want to face a crisis on the other side of the world and not be able to put your hands on the number to call for help.

Travel Insurance FAQ 

Can you buy travel insurance after booking a flight or hotel.

Yes, you can purchase travel insurance after you book your trip. In fact, it can be desirable as you will better understand all costs at that point. Do not wait too long though and miss out on some features.

Can you be refused travel insurance?

Unfortunately, yes. Travel insurance companies often take specific medical conditions into account and can refuse coverage if they determine the risk is too high. This is another good reason to explore various coverage options with different companies.

Is travel insurance worth getting?

Spending 5%–7% of the total cost of your trip to assure that you are not forced to spend perhaps several hundred thousand dollars for a serious medical problem and related expenses is worth getting travel insurance. 

Methodology 

We evaluated travel insurance providers based on coverage, number of plans, optional coverage, medical coverage limits, and AM Best ratings to determine Reviews.com scores and create our best travel insurance provider reviews. To compare travel insurance providers with other brands across the board, we calculate each Reviews.com score based on the following:

• Essential Coverage: When comparing travel insurance providers, we considered essential coverage to be 24/7 assistance, trip cancellation/interruption, medical evacuation and more. Providers with more points of essential coverage scored higher. 
• Number of Plans: Flexibility and having options is important which is why Reviews.com awarded travel insurance providers with higher scores if they presented more plans. 
• Add-on Coverage: Travel insurance providers with more optional coverage add-ons scored higher in this metric — higher flexibility and customization in travel insurance is an indicator of the best travel insurance companies.
• Medical Coverage Limit: We compared the medical coverage limits of the best travel insurance companies and awarded providers with higher scores if they had higher medical coverage limits. 
• AM Best: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.

About the Authors

Rick Hoel Contributing Writer

Rick Hoel is an international business attorney and legal and insurance writer for Reviews.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law.

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HTH Travel Insurance Review

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The 10 Best Travel Insurance Companies of July 2024

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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

Mark Friedlander is a property/casualty insurance industry expert and a national media spokesperson on home, auto, business and life insurance matters. He is also an expert on hurricane insurance coverage and Florida insurance matters.

Key Takeaways:

• The best travel insurance company is Faye, according to our comprehensive analysis of over 49 policies.
• Travel insurance policies offer reimbursement if your trip gets canceled for a covered reason, you incur emergency medical bills, and for other situations such as missed flights or baggage delays.
• According to our survey of 1,000 travel insurance policyholders, 97% of respondents claim travel insurance is worth the cost.

Our Rankings of the Best Travel Insurance of 2024

After reviewing dozens of travel insurance providers operating throughout the U.S., the following are our top recommendations:

• Faye: Our top pick
• Travelex Insurance : Our pick for families
• Nationwide Travel Insurance : Our pick for cruise travel
• Tin Leg Travel Insurance : Our pick for customizable coverage
• Berkshire Hathaway Travel Protection : Our pick for luxury travelers
• Seven Corners Travel Insurance: Our pick for international travelers
• AIG Travel Guard: Our pick for families
• Trawick International: Our pick for college students
• Generali Global Assistance: Our pick for emergency assistance
• Travel Insured International: Our pick for well-rounded coverage

Our  editorial team  follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

The Best International Travel Insurance Companies in Detail

Learn more about each of our top travel insurance companies, including the average policy costs our team determined by examining and averaging quotes for four unique trips.

Why We Picked Faye Travel Insurance

As a platform that prioritizes a digital, entirely online experience, Faye is worth considering if you’re shopping for last-minute coverage, according to our research. Simply answer a few questions about your upcoming trip, adjust your coverage limit and buy a comprehensive travel insurance plan in just a few minutes. In addition, Faye can send reimbursement directly to your phone’s digital wallet if you file a claim and it’s approved. While Faye offers only one plan choice, its general coverage inclusions may fit vacationers seeking quick coverage and a digital experience.

Pros and Cons

Our ratings, coverage overview.

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

• Cancel for any reason (CFAR) 
• Rental car damage or theft
• Adventure and extreme sports protection 
• Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

We obtained premium costs for seven trips as outlined in our review methodology, and Faye’s average trip cost is $297.87.

Why We Picked Travelex

Travelex is our top choice for travelers taking budget vacations and trying to prioritize policy price over other factors, according to our researchers. Travelex’s plans can be low-cost for some — depending on your vacation’s value, you could qualify for flat-rate coverage of $60 per traveler. It also offers a flat-rate Travel America plan for domestic trips. While Travelex’s Travel Basic plan provides affordable international coverage, note that optional adventure sports, additional medical protection and CFAR insurance are not available with this plan.

Travelex’s base plan, the Travel Basic coverage, includes 100% protection for both trip cancellation and interruption. It also includes $15,000 worth of emergency medical coverage, $100,000 in emergency evacuation coverage and $500 for lost baggage. Travelex’s Travel Select plan extends additional coverage, such as sporting equipment delay benefits of $200 and you can include kids with your policy.

Travelex offers the following add-ons for the Travel Select policy:

• CFAR coverage (50% reimbursement)
• Medical expense extension (extends coverage to $50,000)
• Adventure sports waiver for medical expenses coverage
• Accidental death and dismemberment (AD&D) extension (extends coverage to $25,000)

*Higher medical and evacuation coverage limits are available on other policies. Contact the company to learn more. 

We obtained premium costs for seven trips as outlined in our review methodology, and Travelex’s average trip cost is $242.

Nationwide Travel Insurance

Why We Picked Nationwide

We named Nationwide travel insurance as our pick for the most coverage reimbursed. It offers 100% trip cancellation coverage and up to 200% trip interruption protection, depending on your plan choice. Nationwide also provides some of the best policies for cruisers, based on our research, with two levels of cruise-specific coverage. These cruise plans include coverage for mechanical breakdowns and terrorism in destination cities, which most travel insurance companies typically exclude.

Nationwide offers three levels of cruise coverage: the Universal, Choice and Luxury cruise policies. As the names suggest, each tier covers varying levels of cruise expenses. For example, the Universal policy covers $500 worth of expenses related to missed connections while the Luxury policy offers $2,000.

Nationwide offers the following add-ons for its cruise coverage:

• AD&D benefits
• CFAR coverage (up to 75% of trip costs)
• Vendor financial default coverage
• Interruption for any reason (IFAR) coverage
• Pre-existing conditions waiver
• Rental car collision damage

In addition to cruise coverage, Nationwide also offers the following two travel insurance plans, which include standard baggage and cancellation insurance.

Why We Picked Tin Leg

Tin Leg is a travel insurance provider that offers eight individual policy options. With a different level of coverage included in each plan, Tin Leg can make it easy to choose a plan that only includes the protections most important to you. Add-on options can tailor policies to your needs further, securing Tin Leg’s spot on our list as the travel insurance provider with the best customization options.

With eight travel insurance policies, Tin Leg’s medical insurance benefits range from $20,000 to $500,000, and its trip interruption coverage ranges from 100% to 150%. Most policies also include unique extra coverages not found with some other providers — like sports equipment loss and missed connections. The table below summarizes the key coverage included with three of Tin Leg’s most popular plans.

You can also upgrade your plan with the following add-on options — though available choices will vary depending on your base policy selection.

• CFAR coverage
• Financial defaults
• Cancel for work reasons
• Terrorism disruption
• Employment layoff
• Missed connections
• Sports and activities coverage
• Identity theft
• Rental car damage

*Higher evacuation coverage limits are available on other policies. Contact the company to learn more.

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway

If you’re planning a luxury vacation, you may have trouble finding an insurance provider to insure your trip’s total value. Berkshire Hathaway’s LuxuryCare travel insurance plans cover 100% of your trip costs up to $100,000, which is why we’ve named the provider our pick for luxury travelers. It also offers a series of specialized standard travel plans, including an AdrenalineCare policy specifically for sports travelers and WaveCare for cruises.

Berkshire Hathaway offers three general plans and more specialized coverage options. You’ll find a series of nine total plan options in most parts of the country, but we recommend the all-inclusive LuxuryCare and ExactCare Extra plans for high-value vacations.

The table below summarizes the inclusions found on some of Berkshire Hathaway’s most popular travel insurance plans.

Berkshire Hathaway allows you to add the following add-on options to your plan:

• CFAR upgrade (up to 50% trip reimbursement)

Seven Corners Travel Insurance

Why We Picked Seven Corners

If you’re a frequent international traveler or traveling on a student visa outside the U.S., you may find it more affordable to purchase an annual plan rather than multiple single-trip plans. Seven Corners provides an annual plan with up to $500,000 in emergency medical coverage, $250,000 in travel medical coverage and more. Worldwide, 24/7 travel assistance is also included with all plans. While this plan does not include extensive delay protections, we consider it a cost-effective option for frequent travelers.

Seven Corners’ annual plan includes a wide range of coverages, including:

• $5,000 in trip interruption protection
• $1 million in medical and healthcare coverage
• $25,000 worth of AD&D coverage
• $100 per day in trip delay benefits (with a maximum of two days)
• $50 worth of coverage for each lost bag, up to $500

It also includes extra benefits for items like lost travel documents and baggage delays but does not cover trips within the U.S. Policies include a range of deductibles between $0 and $500 — note that selecting a lower deductible will come with a higher premium.

You can purchase the following add-ons to enhance travel insurance coverage with Seven Corners:

• Event ticket registration fee protection
• Sports and golf equipment rental
• IFAR coverage (up to 75% of trip costs)

In addition to multi-trip, annual plans, Seven Corners also offers the following single-trip options.

*Higher medical and evacuation coverage limits are available on other policies. Contact the company to learn more.

AIG Travel Guard

Why We Picked AIG

When shopping for travel insurance as a group or family, high combined premiums might deter some customers from purchasing coverage. We chose AIG Travel Guard as the best travel insurance provider for families because select plans — like the Deluxe policy — include one child under the age of 17 with the purchase of adult coverage. AIG also offers generous discounts on group travel coverage, which you can purchase with just a few clicks online. This can make AIG a solid choice for anyone looking for last-minute trip cancellation insurance.

AIG’s primary travel insurance product is its international travel plans, which provide 100% trip cancellation insurance, up to $1,000 in trip delay coverage, up to $1 million in medical evacuation coverage and other benefits commonly found with competitors. It also offers two unique policy options: the quick approval Pack-N-Go plan and an annual plan for frequent flyers.

AIG offers three travel insurance plans, all of which include family coverage:

It also offers the following add-ons:

• CFAR coverage (up to 50% reimbursement)
• Missed connection benefit ($150)

Trawick International

Why We Picked Trawick International

Trawick is our pick for student travel insurance. While it offers more than 20 individual travel insurance policies with standard inclusions, Trawick is most notable for its unique options for students studying abroad. The International Student and Scholar Medical Evacuation plan is one many students might find affordable and meets the requirements of multiple international visas stipulating evacuation insurance. It also offers annual trip cancellation plans and coverage formatted for other types of international visa requirements. However, this plan only provides medical evacuation coverage and not general emergency medical protection.

With more than 20 individual plan options, Trawick offers a range of coverage selections. We suggest reviewing each plan option to verify it has the coverage you need, especially if you are traveling on a visa. Compare a few of the company’s most popular policies using the table below.

Add-On Options

Coverage add-ons are not available on Collegiate Care plans.

Generali Global Assistance

Why We Picked Generali Global Assistance

We chose Generali Global Assistance as our pick for emergency assistance coverage because it offers 24/7, concierge-level service to help travelers in various situations. Generali’s travel professionals are multilingual, which can be a benefit if you’re traveling to an area where you cannot speak the primary language. In addition, Generali’s higher coverage tiers include protections such as rental car and sports equipment coverage, which other providers usually offer as add-ons.

Generali offers three plan tiers: Standard, Preferred and Premium. The Standard Plan includes a variety of benefits, including 125% trip interruption coverage, $150 per day toward delay-related expenses, $250,000 in medical evacuation coverage, $50,000 worth of medical coverage and more. Preferred and Premium plans extend benefits included with the Standard Plan and add some extras — like sports equipment coverage and rental car collision insurance.

Generali offers the following add-on options:

• CFAR coverage (up to 60% reimbursement)

Travel Insured International

Why We Picked Travel Insured International

We named Travel Insured International as our pick for well-rounded coverage. It offers coverage with various optional add-ons such as event ticket registration fee protection, interruption for any reason (IFAR) and CFAR coverage. It also provides 24/7 emergency assistance and extra perks such as concierge services, medical and legal aid and passport replacement help.

How To Choose the Best Travel Insurance

Knowing what to look for when comparing travel insurance providers can help you pick the best plan for your needs. We encourage you to compare brand pricing and policies between multiple providers to help narrow down your available coverage options.

Compare The Best Travel Insurance For International Trips

Comparing the costs of coverage offered by different providers can help you find the most affordable option for your travel insurance needs. See the table below for a direct cost comparison between the companies we’ve chosen as our top picks, as well as Better Business Bureau (BBB) ratings and notable coverage limits.

Asking yourself a few key questions can help further simplify your search for travel insurance. Considering the total cost of your trip, your destination, method of travel and any health concerns can help you better understand the type of policy that suits your needs best. 

Was This an Important or Pricey Trip?

The value and price of your trip play a major role in travel insurance pricing. If you’re insuring a higher-value vacation, you may want to look for policies with higher overall coverage limits and travel interruption reimbursements. If you’re taking a budget vacation, you might see more value in an insurer that specializes in low-cost, affordable policies.

Where Are You Headed?

It is also good practice to consider the available amenities and your trip itinerary when shopping for coverage. For example, if you’re traveling to a remote area with a less robust medical system than a city with many options, there could be a higher chance of needing medical evacuation if you end up seriously injured. In this case, we recommend a policy with higher coverage limits on medical evacuation services.

How Are You Getting to Your Destination?

If you’re taking a cruise, consider getting a quote from a travel insurance provider that offers cruise-specific coverage, such as Nationwide. While most travel insurance providers design policies to cover the basic risks associated with flying — such as lost luggage, missed connections, etc. — it is worth comparing options that include coverage specific to your trip. For example, those traveling for work may prefer Allianz Global for its business-centered plans.

Do You Have Any Health Concerns?

When thinking about your travel plans, consider if you could need medical services based on your health history and travel itinerary. If you’re older, have a pre-existing health condition , or plan to participate in physical activities or sports, consider a plan with higher medical expense limits. In addition, companies often include COVID-19 treatment under a policy’s standard emergency medical coverage, but it is best to read through coverage terms and conditions to confirm.

Angela Borden, a product marketing specialist at Seven Corners , offered the following advice for travelers:

“Contact your insurance provider to be sure you fully understand the pre-existing conditions coverage for the plan you choose,” she said. “Being prepared and having the information before you need it in an emergency makes a huge difference.”

Is Travel Insurance Required?

In most cases, travel insurance is not required. However, some countries require visitors to have travel insurance due to visa requirements or diplomatic unrest. These countries typically only require proof that your policy covers emergency medical expenses. You can extend your coverage to also protect you against baggage loss, trip delays and cancellations.

Even if your destination does not mandate travel insurance, the U.S. Department of State recommends that U.S. citizens traveling overseas purchase a policy that covers unexpected medical bills while abroad.

When To Skip Travel Insurance

Travel insurance may only be worth it in some scenarios. For instance, if you booked your trip using a credit card that also offers travel insurance protection, you may not need coverage through an additional provider. We encourage you to check the details of your credit card coverage, if applicable, to ensure it aligns with your needs. If so, you can likely skip buying a separate travel insurance policy.

In addition, if you’ve booked your trip with flexible airline tickets or with a hotel that offers a flexible change or cancellation policy, you may not need a travel insurance policy. Also, travelers booking excursions or activities with refundable policies will likely not benefit from a travel insurance plan. 

Finally, note that if you’re a U.S. citizen traveling within the country and have insurance through a domestic provider, you likely will need travel insurance with medical coverage. However, your coverage may not extend abroad, notably if you have a government-issued plan. But if you have private insurance that covers emergency medical expenses abroad, you may not need to purchase a travel insurance plan.

Generally, we encourage you to consider your trip, the overall cost and the flexibility surrounding your reservations when deciding whether or not to skip purchasing a travel insurance policy.

What Does Travel Insurance Cover?

The specifics of what is covered under your travel insurance policy will vary depending on the provider you select. The following are some of the most common types of coverage you are likely to find as you get quotes from the best travel insurance providers.

Trip Cancellation Protection

Trip cancellation coverage compensates you for nonrefundable expenses, such as your flight and lodging, if your trip gets canceled due to certain unforeseen circumstances. This could include unexpected weather events, a death in the family or the diagnosis of a major illness. You can check your travel insurance policy for specific coverages and exclusions. Most travel insurance companies provide 100% cancellation coverage for nonrefundable expenses when offering this type of protection.

Trip Interruption Protection

Baggage delay or loss coverage is another component of travel insurance that offers financial protection if your checked luggage is delayed or lost during your trip. If an airline temporarily misplaces your belongings, this coverage can help ease the inconvenience by reimbursing you for essential items, such as toiletries and lost clothing. The average amount a travel insurance provider offers will vary, and some companies have a timeline for how long you must wait after a delay before you can claim this coverage.

Emergency Medical Expenses and Evacuation

Medical expense coverage is a component of travel insurance that helps you cover medical bills you incur if you get hurt or sick on a trip. Depending on the health insurance you have in the U.S., your coverage may not extend to hospital bills to treat injuries and illnesses sustained outside of the country, making this type of coverage potentially valuable in the event of a medical emergency.

Emergency medical coverage does not usually include transportation or evacuation due to an illness or injury, but concerned travelers can purchase medical evacuation insurance as an add-on. For this reason, medical evacuation protection will typically have a separate coverage limit. We recommend considering higher evacuation coverage limits if traveling to a remote area without immediate hospital access.

Cancel For Any Reason (CFAR) Coverage

Cancel for any reason (CFAR) coverage entitles you to partial or full reimbursement of nonrefundable trip expenses if you cancel your trip for reasons not listed in your policy.

“CFAR gives you greater flexibility to alter your plans and still get some money back on your trip expenses, regardless of why you decided to cancel your trip,” said Borden. “[It] was especially popular immediately after COVID-19 because it allowed people to cancel even if they simply changed their minds about traveling.”

She goes on to note that while travelers are generally less concerned about COVID-19’s impact on travel, CFAR coverage is still a valuable benefit.

“You never know what could happen at home or at your destination that would cause you to rethink your travel plans,” she added.

Collision Coverage

If you’re renting a vehicle on vacation, you may choose to add collision coverage. Similar to the collision coverage found on your domestic auto insurance policy, it compensates you for damage to a rental vehicle if you’re involved in an accident. This coverage is usually not legally required to drive in another country. Still, it may help cover repairs passed onto you by the rental car company if you’re involved in an accident.

Rental Car Coverage

Rental car agencies usually offer optional insurance coverage when you rent a vehicle. However, you could choose to opt for rental car coverage through a travel insurance plan instead. Typically offered as an add-on, it can reimburse you if a collision, theft, vandalism, natural disaster or other events damage your rental car. In some cases, you may also find it cheaper than what a rental car agency offers for protection.

What Is Not Covered by Travel Insurance?

Travel insurance will not cover everything associated with your trip. Exclusions vary from provider to provider, but companies typically omit common events and circumstances from coverage. Some examples of common exclusions include medical tourism, named hurricanes and tropical storms, and voluntary cancellation without CFAR coverage. Other standard exclusions include fear of flying, injuries resulting from participation in extreme sports and travel to particularly high-risk destinations.

Some travel insurance companies offer add-on protection plans that cover some typically excluded events. For example, CFAR coverage can partially cover cancellations not covered by your standard travel insurance policy. Extreme sports coverages or waivers can offer financial protection in the event of an injury from participation in excluded sports or activities. Regardless, we suggest thoroughly reading your contract and asking your provider questions about any exclusions you’re unsure of.

How Much Does Travel Insurance Cost?

In our comprehensive review of the travel insurance market, our team found the average cost of travel insurance was about 3% to 5% of a trip’s total value. Based on the quotes our team gathered from providers, the average cost across seven different traveler profiles came out to $221 , with the average traveler paying between $70 and $300 for most trips.

To further understand the average travel insurance cost in relation to total trip value, we gathered multiple quotes from various providers for a 30-year-old traveler taking a week-long trip to France. See the table below for the average travel insurance cost based on the total cost of trips ranging from $1,000 to $10,000.

Remember that your travel insurance costs will vary based on various factors. We encourage you to get a quote from at least three travel insurance providers before purchasing coverage to ensure you get the best price for your coverage needs.

The following chart outlines the average insurance cost for our top 10 companies from least to most expensive:

How We Found Our Cost Data

We calculated the average costs for each provider in our review using seven unique traveler profiles to gain an understanding of costs for different people and scenarios, which we break down in our travel insurance methodology .

After using each profile to gather quotes for different plans, we calculated the average cost of each provider and individual policy. Our top recommended plans in the table above may cost you more or less than our averages listed depending on factors unique to your travel needs. The best way to know how much a travel insurance policy will cost is to request quotes from multiple providers for your trip.

What Impacts the Cost of Trip Insurance?

Several factors can determine how much your travel insurance will cost — and while cost matters when it comes to a travel insurance policy, the cheapest option is not always the best. If you’ve booked an expensive trip and prefer a budget travel insurance plan, it might be good to ensure the coverage is enough to protect your investment.

As you shop, keep in mind that the following factors can affect how much you pay for a travel insurance policy:

• Your age: Some travel insurance companies increase costs with traveler’s age. Based on our research, prices are the same for travelers up to age 50 and then increase from there.
• Trip cost: The more expensive the trip, the more it will cost the travel insurance company to reimburse you, according to our research. As such, your travel insurance premium will likely be higher for more expensive trips.
• Plan type: There are many different types of travel insurance policies. The more protection you have, the more expensive your travel insurance rate. 
• Add-on coverages: Most plans will allow you to add certain features without upgrading your entire plan. However, add-ons will increase your overall cost. For example, you might buy basic flight insurance for $30 and add CFAR coverage for an additional $30.
• Number of travelers: While you can buy a single policy for multiple travelers, each traveler will have their own premium, increasing the total cost. However, many travel insurance companies offer group discounts.
• Destination: Your travel insurance provider will take the risk factor of your trip destination into consideration when determining the cost of insurance. 
• Trip length: The longer your trip is, the more you’ll likely pay a higher premium for a travel insurance policy. Not only are longer trips more expensive, but the duration increases the chances of something going wrong and causing you to file a claim. 

How To Buy Travel Insurance

The travel insurance providers on our list offer online quote systems that allow you to view pricing and policy options after entering some information about yourself and your trip. Alternatively, you can typically purchase coverage over the phone by getting in touch with a representative using the company’s customer service line.

As you prepare to purchase travel insurance, you want to keep a few details about your vacation handy, including:

• The ages and names of everyone in your party
• Your travel destination(s)
• The dates you are traveling
• Your total trip value, including flights, accommodations, baggage and other items you need to cover
• The date of your initial trip payment

Each of these factors will play a role in the price you will pay for travel insurance coverage.

Who Needs Travel Insurance?

While most people can benefit from some level of travel insurance coverage, consider a policy if you are planning any of the following:

International trips: Traveling internationally can expose you to unfamiliar healthcare systems, unpredictable events, and potential trip interruptions. Travel insurance offers financial protection for medical emergencies, trip cancellations, and unexpected expenses that may arise in foreign destinations.

Regular vacations: If you frequently travel for business or leisure, an annual travel insurance policy can be a cost-effective solution. This policy provides continuous coverage for multiple trips, saving you time purchasing separate policies.

Senior travelers: If you are a senior traveler with Medicare, your health insurance excludes most medical care outside of the country. Travel insurance with medical expenses and evacuation coverage can financially protect you if you need care while away from home.

Adventure sports: Adventure enthusiasts planning to engage in activities like hiking, skiing or scuba diving may find travel insurance with adventure sports coverage beneficial. These policies can cover potential injuries and equipment losses, which you may be more likely to run into due to your itinerary. However, not all standard travel medical insurance covers injuries related to adventure sports.

If you are considering travel insurance, we suggest getting a few sample quotes to compare coverage. Getting a quote is free, takes only a few minutes and can provide more personalized insights into the cost of your upcoming travel plan.

Travel Trends for 2024

As the world continues to recover from the impacts of the COVID-19 pandemic, the hospitality industry is slowly seeing a return to pre-pandemic levels. According to research from the U.S. Travel Association , domestic leisure travel is expected to fully return to pre-pandemic levels throughout 2024. Some of the factors contributing to travelers’ return to airports across the globe include:

• Easing international visa and travel restrictions
• Vaccine distribution and effectiveness
• Increased demand for travel following COVID-19 lockdowns

As the demand for travel increases, so has the sale of travel insurance. The travel insurance market size is estimated to grow at a compound annual growth rate of 5% between 2022 and 2028 . Highly publicized stories of flight delays and cancellations occurring across the country are also contributing to public demand for travel insurance.

Top Travel Destinations of 2024

To learn more about the top travel destinations of 2024 and the average price travelers paid for coverage, our team conducted a Pollfish survey in February 2024 consisting of 1,000 U.S.-based respondents.

Of those respondents, 46% said the last time they purchased travel insurance was for a domestic trip within the U.S. The remainder of our survey participants purchased a travel policy for an international vacation, with the following countries ranking among the most popular destinations:

Is Travel Insurance Worth It?

While travel insurance is not required to enter countries in most parts of the world, it can be worth the cost to purchase some level of coverage. In our review, we found the average cost of travel insurance is less than 7% of what you can expect to pay for your vacation — but may provide hundreds of thousands of dollars in reimbursements if you experience an unexpected cancellation or delay. The medical expense coverage included with travel insurance is also an invaluable protection, as many health insurance policies exclude care provided outside of the U.S.

Survey Majority Say Travel Insurance Is Worth It

Over half of our survey respondents paid between $50 to $200 for their most recent travel insurance policy, with $200 to $300 being the second most commonly selected price range. In addition, 40% of respondents said they purchased travel insurance mainly to protect the cost of their trip. Trip cancellation coverage and medical were the next most popular reasons for buying a policy.

If you plan to travel in 2024, our team recommends purchasing a comprehensive travel insurance policy. Over 60% of survey participants agree with our sentiments, endorsing a policy that includes coverage for medical emergencies, trip cancellations, baggage and more.

Ask an Expert 

including specific activities and regions a traveler will visit. For instance, a vacation spent relaxing at a nearby resort requires different insurance coverage compared to a trip involving various activities across multiple countries. Insurance premiums are inherently linked to the level of risk involved, so it's wise for budget travelers to tailor their insurance based on their detailed travel plans.

Moreover, the inherent risks of the destination must be considered. Higher-risk areas naturally have a greater likelihood of issues arising, and appropriate insurance should be in place to manage these risks. When assessing the risk factors of a destination, it's crucial to go beyond common knowledge and actively seek out information to accurately gauge the safety level of the destination. "

Assistant Professor School of Hospitality and Tourism Management at Purdue University

Most policies will not cover man-made disasters if your trip is canceled or interrupted. Other exclusions may include acts of war, participating in dangerous activities such as extreme sports, self-harm and foreseeable events. Read the policy carefully. One alternative to standard travel insurance is cancel-for-any-reason coverage.  However, the cancellation typically must occur within a preset number of days before the trip is to begin and is more expensive."

Professor Emeritus Department of Finance at New Mexico State University

Frequently Asked Questions About Travel Insurance

Does travel insurance get more expensive closer to the trip.

Unlike most other types of insurance, you won’t be penalized for buying your travel insurance closer to the dates you might use it. However, many travel insurance companies require that you purchase coverage within a limited time after booking your trip. Luckily, travel insurance prices do not increase as you get closer to your departure date. That being said, some options (like CFAR coverage) may only be available for a limited time before you travel.

When does travel insurance expire?

Your travel insurance policy will expire on the date you indicate when you purchase the plan. For most travelers, this will be the final day of your vacation. Frequent travelers might also have the option to buy annual travel insurance that protects them for a year.

What does international travel insurance cover?

International travel insurance provides you with a reimbursement for nonrefundable travel expenses if you’re forced to cancel your trip or leave your destination early. In addition, it may reimburse you for travel expenses like airfare and hotel costs if you cannot claim a refund from your vendors directly.

Does insurance still cover trips if you cancel right before your departure date?

That depends. Most travel insurance companies require canceling anywhere from 24 hours to a week or more before departure in order to be eligible for reimbursement.

Travel insurance premiums often increase as your departure date approaches, since the likelihood of last-minute interruptions or cancellations increases closer to your flight. It’s generally advisable to purchase travel insurance in advance to get access to the most favorable rates.

What is the most common type of travel insurance?

The most common type of travel insurance is trip cancellation and interruption coverage, which reimburses you if you’re forced to cancel your trip or go home early. These coverages are included on almost every travel insurance policy, except medical-only plans.

Methodology: Our System for Rating Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best COVID-19 travel insurance companies
• Best cruise insurance plans
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for visitors to USA
• Best senior travel insurance
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• Travel medical insurance plans
• How much does travel insurance cost?

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

Recommended Articles:

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

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 TravelInsurance.com 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

SEE FULL REVIEW »

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

Reviews of the Top 10 Best Travel Insurance Companies

Mary Purcell, MA

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

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Updated: October 27, 2022

• Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

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

Our Top 10 Travel Insurance Providers

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Financial strength

With any insurance company, you want to be sure that your provider is financially secure and able to pay out on any potential claim you may have. We only included companies with a financial rating from A.M. Best of A or better.

Solid underwriter

Most travel insurance policies are underwritten by a third party, and often it is hard to figure this out. We made sure that the company ownership and underwriting were clearly stated and that underwriters also had a solid financial footing and reputation.

Good business reputation

Because of the industry's less-than-stellar reputation, we think it's important to look at a company's track record, including membership in professional associations. Most of our picks are accredited with the Better Business Bureau and have an A+ rating. Most are also members of the U.S. Travel Insurance Industry Association and have signed on to the group's Code of Ethics. We also looked for companies that are listed with the major travel insurance brokers.

Detailed, clear website

One of the biggest complaints about travel insurance providers is that they use complicated language and small print to trick consumers into believing that certain situations are covered when they aren't. We looked for companies with clear websites that are transparent about what is and isn't covered.

Claims satisfaction

Although the travel insurance industry does not have the level of scrutiny of the automobile or home insurance fields, we looked at reviews of consumer and claims satisfaction to rule out any with large numbers of complaints.

Excellent coverage

All of our picks offer comprehensive travel insurance that includes at least:

• Trip cancellation, interruption, delay
• Medical expenses/evacuation
• Lost/delayed baggage
• 24/7 assistance

In addition, most of these companies offer several different plans allowing you to expand coverage to include things like pre-existing conditions, "cancel for any reason," adventure travel and pets. These optional extras usually cost more and have conditions attached, so be sure to read the fine print.

We looked at the price range of each company's plans and provided a sample quote for a basic package. Experts say that travel insurance typically costs between 5 and 15 percent of the trip cost. Our quotes for basic coverage were usually less, but once you add on important features (like coverage for pre-existing conditions), the rate will increase.

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

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

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

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

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

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

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

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

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

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

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

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• World Nomads Travel Insurance Review

World Nomads Plans Available

World nomads travel insurance cost.

• How to File A Claim with World Nomads Travel Insurance

Compare World Nomads Travel Insurance

World nomads travel insurance faqs.

• Why You Should Trust Us

World Nomads Travel Insurance Review 2024: Coverage for Adventurous Travelers

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

If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

World Nomads Travel Insurance Summary

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally, the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts than World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

• Your destination(s)
• Duration of trip
• Your country of residence
• State of residence (if you're from the US)
• Number of travelers
• Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

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

• World Nomads Standard: $76.58
• World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

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

• World Nomads Standard: $85.83
• World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

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

• World Nomads Standard: $152.96
• World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

Keep any documents related to the claim you're filing, including receipts, notices, and invoices.

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world. A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers who have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

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

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

You can read more about how Business Insider rates insurance products here.

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

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

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Amex Platinum Travel Card Review 2024

Key highlights.

• The Amex Platinum Travel Card offers extensive travel insurance coverage, including trip cancellation and interruption, trip delay, car rental, and baggage insurance.
• Cardholders can access the Premium Global Assist Hotline for emergency assistance and support while traveling.
• The travel insurance benefits provided by the Amex Platinum Travel Card are secondary coverage, meaning they kick in after any primary insurance you have has paid out.
• To be eligible for coverage, you must pay for your trip with your Amex Platinum Travel Card.
• The Amex Platinum Travel Card offers frequent travelers peace of mind and valuable benefits.
• The card’s travel insurance coverage is subject to terms and conditions, so reviewing the details before making any claims is important.

Introduction

If there are any travel tips you should follow, it should be that Travel insurance is crucial for all travelers, whether frequent or occasional. It covers costs for mishaps like lost luggage or canceled trips and can be life-saving during medical emergencies. Many travel credit cards also provide insurance benefits.

The Platinum Card® from American Express is one credit card that goes beyond rewards points and airport lounge access. Along with the generous American Express Membership Rewards, cardholders also enjoy extensive travel insurance coverage through American Express Travel. In this blog, we will review the benefits of the Amex Platinum Travel Card’s travel insurance policy, providing a comprehensive overview of the coverage and explaining how to make the most of it in a calendar year.

If you have or are considering the Amex Platinum Travel Card , knowing its insurance coverage can help you maximize benefits and make informed decisions. Explore the travel insurance benefits for peace of mind during your travels. Complete coverage details are in the Terms and Conditions section of the Amex website.

Overview of Amex Platinum Travel Insurance Benefits

The Amex Platinum Travel Card not only offers a suite of travel insurance benefits for coverage and protection on your journeys, including trip cancellation and interruption, trip delay, car rental, and baggage insurance, but it also comes with travel hacks like utilizing the card for primary trip payments to activate secondary travel insurance coverage. With access to the Premium Global Assist Hotline for emergencies and support while traveling and coverage underwritten by reputable insurers such as New Hampshire Insurance Company and AIG, cardholders can ensure peace of mind knowing they’re covered for trip cancellations, flight delays, car damage, or lost baggage. Always review your policy for specific details to maximize these benefits.

Coverage: Amex Platinum Card Travel Insurance

It’s important to know what is covered and how the benefits work to fully understand your travel insurance coverage with the Amex Platinum Travel Card.

Coverage for trips paid with your Amex Platinum Travel Card is secondary and activates after primary coverage. This applies when the Entire Fare is charged to an eligible Account for a Covered Person during a Covered Trip. Maintaining eligibility is key to maximizing your card benefits.

The insurance benefits provided by the Amex Platinum Travel Card include trip cancellation and interruption insurance, trip delay insurance, car rental insurance, and baggage insurance. These benefits can help reimburse you for eligible expenses for trip cancellations, delays, rental car damage or theft, and lost or damaged baggage. Additionally, the card offers trip interruption coverage, which includes coverage for the cost of an economy-class ticket on the most direct route to rejoin your covered trip or return home.

Review your policy’s terms and conditions to understand coverage limits, exclusions, and documentation requirements for filing claims. Each benefit has specific details and limitations. Familiarize yourself with these specifics to maximize your travel insurance benefits.

Key Features of The Platinum Card® from American Express

The Platinum Card® from American Express is a premier travel credit card offering exclusive benefits , including:

• American Express Membership Rewards for earning points on purchases
• Access to airport lounges worldwide
• Annual fee for access to perks and benefits
• Premium concierge service for personalized assistance

They are designed to enhance the travel experience for frequent travelers with comprehensive insurance coverage and valuable features.

Amex Travel Insurance Platinum Coverage Explained

Now, let’s take a closer look at the detailed coverage provided by the Amex Platinum Travel Card’s travel insurance benefits. We will explore each benefit, including trip cancellation and interruption insurance for purchases made with your eligible card, trip delay insurance, car rental insurance, baggage insurance, and trip cancellation insurance, to help you understand the extent of coverage and how it can protect you during your trips. Additionally, all the information about these insurance coverages can be found on the Amex Platinum Travel Card’s official website.

Trip Cancellation and Interruption: What’s Covered?

The Amex Platinum Travel Card, a valuable tool for international travel tips , includes trip cancellation and interruption insurance, reimbursing non-refundable travel expenses for covered reasons such as accidental death, injury, illness, or severe weather. Ensuring you purchase the full roundtrip with your card as a basic member activates this coverage, which extends up to $10,000 per trip and $20,000 per Eligible Card per 12 consecutive month period, benefiting you, your family members, or a traveling companion. Reviewing policy terms carefully is crucial to understanding the coverage details and exclusions applicable to you and your companions.

Navigating Trip Delays: Coverage Details

Amex Platinum Travel Card offers trip delay insurance as part of its travel benefits. According to its website, this coverage reimburses reasonable expenses for delays of six hours or more, including accommodations, toiletries, and food. The delay must be due to covered reasons like inclement weather or equipment failure to qualify. Cardholders can claim up to $500 per trip twice a year.

Baggage Insurance: Loss, Damage, and Delay

The Amex Platinum Travel Card’s insurance covers lost or damaged baggage, including checked and carry-on items. Up to $2,000 per person per trip is reimbursed for checked baggage, and $3,000 for carry-on baggage. Certain items are excluded. You must use your Amex card to pay for the trip and file a claim with other insurance first.

Car Rental Loss and Damage Insurance Insights

Amex Platinum Travel Card holders get car rental insurance coverage by AMEX Assurance Company. Pay with your Amex card, decline the agency’s coverage waiver, and use the Rental Car Collision Damage Waiver. The insurance from American Express Travel Related Services Co. covers up to $75,000 for damages or theft when charging the full fare to The Platinum Card. It includes coverage for death, injury, and property. Travel Accident Insurance provides up to US$500,000 for death or injury on a Common Carrier Conveyance. The Amex Platinum card also offers rental car insurance, covering loss and damage up to $75,000 when the total

fare is charged to the card, including applicable local sales tax. This is secondary insurance; file with your primary coverage first. Review policy terms for limits, exclusions, and claim requirements. Check state regulations for any insurance variations.

Making the Most of Your Travel Insurance

To maximize your Amex Platinum Travel Card’s insurance benefits, familiarize yourself with its terms and conditions. Tips to optimize coverage:

• Pay for your trip in full with the card for eligibility.
• Know coverage limits, exclusions, and claim requirements.
• Keep receipts for eligible expenses.
• File claims with primary providers first.
• Utilize the Premium Global Assist Hotline for travel emergencies.

Steps to File a Claim Effectively

Filing a claim with the Amex Platinum Travel Card’s insurance is straightforward. Here are the steps to file a claim effectively:

• Log into your Amex Platinum Card account and enter the card benefits section.
• Select the insurance benefit you want to claim and click “File a Claim.”
• Input all the required information, including trip details and information about the covered incident.
• Attach any necessary documentation, such as receipts, medical paperwork, or airline documentation.
• Submit your claim and wait for a response. American Express typically processes and reviews claims in 45 days.

It’s important to note that claims are processed by insurance companies such as AIG Company and New Hampshire Insurance Company. Therefore, reviewing your policy’s terms and conditions is crucial to understanding the documentation requirements and any additional steps you may need to take when filing a claim.

Maximizing Benefits: Tips and Tricks

Maximize your Amex Platinum Travel Card’s travel insurance benefits with these tips:

• Review policy documents thoroughly to understand coverage limits and documentation requirements.
• Note the benefit level provided by your specific card.
• Use the card to pay for your entire trip for coverage eligibility.
• Keep receipts for eligible expenses when filing a claim.
• Understand the claims process for a smooth experience.
• Utilize secondary coverage as needed.
• Contact the Premium Global Assist Hotline for emergency support. Enjoy peace of mind on your trips.

Unique Aspects of Amex Platinum Travel Insurance

The Amex Platinum Travel Card offers unique travel insurance features, like Premium Global Assist Hotline access. This hotline provides emergency assistance services, including support for military orders or jury duty. Cardholders receive full coverage for emergency medical services and transportation when coordinated through the Global Assist Hotline.

Premium Global Assist Hotline Features

The Amex Platinum Travel Card provides a Premium Global Assist Hotline for cardholders traveling over 100 miles from home. Available 24/7, it offers emergency support services such as trip planning, travel info, and medical assistance, including customs advice and emergency cash wire service. The card’s insurance covers certain medical services like emergency evacuation, while third-party services may have charges for the total cost. Access to the Premium Global Assist Hotline is also included at no additional cost for card members.

Exclusive Emergency Assistance Services

The Amex Platinum Travel Card offers emergency assistance services, including specialized support for emergencies like managing military orders or jury duty while traveling. Cardholders can rely on the Premium Global Assist Hotline for guidance.

The Amex Platinum Travel Card offers extensive travel insurance benefits for peace of mind during your journeys, making it a prime candidate for those interested in travel hacking strategies to maximize their travel benefits. Understanding coverage details and efficiently filing claims is crucial to leveraging the card’s offerings. Including the Premium Global Assist Hotline and exclusive emergency services further distinguishes this card, with real-world examples underscoring its value in managing unexpected travel situations. Although this travel card is not part of the best travel card with no fees, the Amex Platinum Travel Card is a compelling choice for travelers prioritizing safety and convenience .

Frequently Asked Questions

What is the difference between the amex gold and platinum card.

The American Express Gold Card focuses on rewards for dining and supermarkets, while the Platinum Card offers more premium travel benefits and a higher annual fee.

What is the difference between the Sapphire and Platinum card?

The difference between the Sapphire and Platinum cards primarily lies in their annual fees, with the Sapphire Reserve having a $550 yearly fee and the Amex Platinum a $695 annual fee​​.

Are there credit cards for International travel?

Several travel cards are well-suited for international travel , offering benefits like no foreign transaction fees, travel insurance, and rewards on travel purchases. Cards from major issuers like Chase, American Express, and Capital One are often recommended for their wide acceptance and travel perks.

The post Amex Platinum Travel Card Review 2024 appeared first on Travel Reveal .

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

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Travelers Auto Insurance Review 2024

Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.

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

Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.

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

• Received fewer customer complaints than expected for auto insurance.
• Lots of coverage options for auto insurance.
• One of the largest insurance providers in the nation.
• Customer satisfaction ratings are below average.
• Rideshare insurance not available in all states.

Travelers earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Travelers is one of the most enduring and well-known names in insurance. It’s among the nation’s largest providers of auto insurance policies and is available in most states. If you’re looking to work with an agent and buy multiple products from one provider, Travelers might be a good fit.

» MORE: The best car insurance companies

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

• Where Travelers stands out

Accident forgiveness. Qualifying drivers can choose from two accident forgiveness plans if they want to avoid having their rate increase after an at-fault accident. 

Coverage options. Travelers offers coverage that some insurers don’t, including gap insurance and premier new car replacement . Both of these coverage types come in handy if you total a relatively new vehicle. 

• Where Travelers falls short

Customer satisfaction . Although Travelers boasts few customer complaints, its customer satisfaction ratings are below average for both auto insurance shopping and claims, according to 2023 J.D. Power satisfaction studies.

• Compare to other insurers

Current Product

• How much does Travelers car insurance cost? 

Travelers car insurance costs $1,681 per year on average for full coverage insurance . That is almost $300 a year less than the average national annual rate of $1,982. Travelers’ rates are cheaper than most other companies we analyzed rates for, with only American Family , State Farm and USAA offering cheaper annual full coverage rates. Although USAA has cheaper rates on average than State Farm, it sells only to former and active military members and their families.

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and any additional insurance a state requires a driver to have. These rates are averages, and your own price will depend on your driving history, car make and model, location and other factors. 

For more information on Travelers car insurance rates, including rates after an at-fault accident or DUI, check out the drop down below.

If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.

• How Traveler's rates compare

Your car insurance rate is determined by a variety of factors, including your driving record and credit history in most states. California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Here are Travelers’ average annual auto insurance rates compared to 2024 national averages for full coverage insurance and four driving profiles.

• Travelers auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Beyond the standard coverage, Travelers offers additional auto insurance options:

Gap insurance protects your auto lease or loan. If your car is totaled before it’s paid off or the lease is up, Travelers pays the difference between your loan’s balance and the car’s value when it’s totaled.

Rideshare insurance is available in Illinois and Colorado for people who drive for companies like Uber or Lyft. Rideshare insurance covers you from the moment you turn on the rideshare app up until you pick up a passenger, then your rideshare company’s insurance is in effect. 

Premier New Car Replacement can benefit you if your car is totaled and is 5 years old or newer. This coverage pays to replace the car with a new one, once you pay any applicable deductibles, plus includes gap insurance to pay off any loan or lease balance when the car is totaled. If your car’s glass needs to be repaired, enrolling in this program means you could have a lower deductible.

Responsible Driver Plan forgives one accident and one minor violation over a specified period, so your rates won’t go up after a crash or ticket.

The Premier Responsible Driver Plan includes the above accident and violation forgiveness perks, as well as a decreasing deductible ($50 off for every six months accident-free, up to $500 off your deductible). If your car is totaled, your deductible is waived in this program.

Travelers also offers non-owner car insurance , which provides liability coverage for drivers who don’t own a car, but still regularly drive.

» MORE: Compare car insurance rates

• Auto insurance discounts

Travelers offers many ways to save on your car insurance, including discounts for:

Having multiple policies through Travelers.

Insuring more than one vehicle.

Home ownership, even if your house or condo is insured with a different company.

Safe driving.

Having no gaps in coverage.

Owning or leasing a hybrid car.

Insuring vehicles less than 3 years old.

Paying electronically, upfront or on time.

New customers who get quotes before their current policies expire.

Drivers in high school or college who maintain a “B” average or better.

Students who are away at school.

Completing a driver training course.

Being a member of certain organizations.

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance .

• Pricing based on tracked driving habits

IntelliDrive uses an app to track your driving speed, the time of day, phone use, and braking and acceleration habits for 90 days. It’s available in 42 states and Washington, D.C. At renewal, you can get a discount of up to 30% for good driving.

Travelers also offers IntelliDrivePlus, which provides a rate at each renewal period based on driving behavior that’s tracked throughout your entire policy term. It’s only available in Arkansas, Nebraska and Ohio.

Your rates could go up if you have risky driving habits (except in certain states) for both programs.

See what you could save on car insurance

• Complaints and customer satisfaction

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

Travelers received an overall satisfaction score of 80 out of 100 from a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

However, Travelers ranked near the bottom of the pack for both shopping [0] J.D. Power . 2023 U.S. Insurance Shopping Study . View all sources and claims satisfaction [0] J.D. Power . 2023 U.S. Auto Insurance Claims Satisfaction Study . View all sources in J.D. Power’s 2023 auto insurance satisfaction studies.

• More about Travelers auto insurance

Website: Travelers’ login portal lets you access all of your insurance information, pay bills, track claims and more. Elsewhere on the website, you can find an agent, get a quote and read advice on topics such as driving in icy conditions and preventing house fires.

App: You can pay bills, file a claim, call for roadside assistance and view policy documents with Travelers’ mobile app, available for iOS and Android.

• Homeowners and renters insurance from Travelers

Travelers offers homeowners insurance with all of the standard coverage options, plus additional features you can buy. To learn more, see NerdWallet’s Travelers home insurance review .

The company also offers policies for those who don’t own their own homes. See our Travelers renters insurance review .

• Other insurance from Travelers

Travelers offers these additional insurance policies:

Boat and yacht.

Commercial auto.

Wedding and event.

Travelers sells the following types of insurance through third parties:

Motorcycle, through Dairyland .

Pet, through ASPCA .

You can report a claim through the Travelers website or app, though the company recommends calling if anyone was injured in the accident or there’s significant property damage.

You can get a quote on the Travelers website, call the company directly or work with a local agent.

Yes, but only in Colorado and Illinois. For other options, see NerdWallet’s guide to rideshare insurance .

You can reach Travelers customer service 24/7 at 866-336-2077. Travelers also offers direct phone numbers to various departments depending on what you need help with, including help with roadside assistance, policy questions and technical issues.

Travelers offers auto insurance policies in all states except Alaska, Hawaii, West Virginia, Louisiana, Michigan, South Dakota, North Dakota, Wyoming. Travelers also sells car insurance in Washington, D.C.

Yes, but only in Colorado and Illinois. For other options, see NerdWallet’s guide to

rideshare insurance

• Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance .

2024 auto insurance survey methodology

The opt-in survey of 7,514 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2023. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.

Only brands with 100 or more qualifying respondents are reported. Of those respondents: 301 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 140 were USAA customers, 125 were AAA customers, 105 were Liberty Mutual customers, 103 were American Family customers, 104 were Farmers customers, 104 were Travelers customers and 104 were Nationwide customers.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 bodily injury liability coverage per crash.

$50,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist bodily injury coverage per crash.

Collision coverage with $1,000 deductible.Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

For drivers with a DUI, we added a single drunken-driving violation.

We used a 2020 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

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• Third-party ratings
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• Honorable mention: Blue Cross Blue Shield
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