FedSmith.com

Federal Employee Discounts

Federal employees are able to receive discounts from some big-name retailers, car rental companies, airlines, wireless carriers, and others for their service as government employees.

Check out the list below for some of the best federal employee discounts in 2023.

Image of a businessman using a credit card at a laptop to shop online

  • Apple – Federal employees can purchase select Apple products and third-party solutions for themselves and their immediate family members at a special price
  • Gift Baskets Overseas – Federal employees, retirees, and military members can save 10% on any order
  • Govx.com – An e-commerce site offering discounts to federal employees, military, law enforcement, and firefighters.
  • ID.me – Unlock numerous discounts at major retailers by creating an ID.me account
  • Microsoft – Government employees may be eligible for a discount through the Microsoft Home Use Program
  • PODS – Federal employees are eligible to save 5% off the cost of the first month of storage or long-distance moves using a PODS storage container
  • Samsung – Save up to 30% on computers, tablets, mobile phones, appliances, and more with government discounts when shopping Samsung.com
  • Washington Post – Members of the U.S. military and government employees with a valid .mil or .gov email address can get a free digital subscription

Cellular and Wireless

5G cell tower against a blue sky background

  • AT&T – Eligible federal employees can save $10/month per line on the Unlimited Elite plan
  • T-Mobile – Employees of eligible government agencies can get exclusive offers because of where they work
  • GEICO – Active or retired federal employees, GS-7 and above, could be eligible for a discount on their automobile insurance

Rental Cars

  • Avis – Government employees and military members can enroll in Avis Preferred to skip the line and opt-in to earn Avis Preferred Points.
  • Alamo – Discounted rates for federal employees and military personnel, including discounts for veterans
  • Hertz – Federal employees can get discounted rates and special upgrades on car rentals for leisure travel
  • National – Federal employees can get discounted rates on official business with an authorized travel order
  • Sixt – Up to 5% discount for government employees
  • Thrifty – Free one car-class upgrade for official and government travel and no fee to join Blue Chips Rewards Program
  • JetBlue – Government fares are offered on official travel when paying with a government-issued credit card or government travel request
  • United – Federal government employees on official business can get special fares with government-issued Visa and MasterCard accounts as payment
  • Amtrak – Federal employees can get discounted fares for business travel within the Northeast Corridor as well as discounts for business travel on Coach fares nationwide
  • Choice Hotels – Government rates are available at thousands of participating locations
  • Hilton – Government rates are offered at participating hotels
  • Hyatt – Special government rates are available at US hotels
  • IHG – Government rates are available for business and leisure
  • Marriott – Government rates may be available when booking
  • Wyndham – Government rates are available at US hotels
  • Shades of Green – Resort options for Department of Defense (DoD) and Coast Guard (CG) civilian employees

The Office of Personnel Management has partnered with various colleges to provide higher education discounts to federal employees at reduced tuition rates. A current list of the colleges and discount opportunities is maintained on OPM’s website.

FedSmith.com is a certified Ezoic Premium publisher

  • Write for Us
  • Privacy Policy
  • Terms of Use

federal travel insurance

The Federal Register

The daily journal of the united states government, request access.

Due to aggressive automated scraping of FederalRegister.gov and eCFR.gov, programmatic access to these sites is limited to access to our extensive developer APIs.

If you are human user receiving this message, we can add your IP address to a set of IPs that can access FederalRegister.gov & eCFR.gov; complete the CAPTCHA (bot test) below and click "Request Access". This process will be necessary for each IP address you wish to access the site from, requests are valid for approximately one quarter (three months) after which the process may need to be repeated.

An official website of the United States government.

If you want to request a wider IP range, first request access for your current IP, and then use the "Site Feedback" button found in the lower left-hand side to make the request.

Travel Partners

MEDOC Travel Insurance through Johnson Inc. offers annual emergency medical travel insurance that coordinates with both the Public Service Health Care Plan (PSHCP) and your provincial government health insurance plan. 

Federal Retirees members benefit from a specially designed plan that offers comprehensive coverage at an exceptional rate. 

Please note that an active Federal Retirees membership in good standing is required to be eligible for MEDOC travel insurance. For members with partners who would like to take advantage of MEDOC as well, an active double membership is required. An exception is made if your subscription to MEDOC began in 2017, or earlier, and has remained in good standing since.

I have 40 days coverage with PSHCP, why should I buy MEDOC?

Here is why over 90,000 Federal Retirees' members know that MEDOC Travel Insurance is the right plan for them.

  • New:  Members are now covered for an unlimited number of trips within Canada of any duration
  • New:  Up to $15,000 per insured in-province trip cancellation, interruption & delay insurance benefit
  • New:  Up to $5,000 non-medical emergency evacuation coverage
  • New:  Up to $500 document replacement coverage for lost or stolen documents
  • New:  Involuntary schedule change expense for the lesser of the change fee charged by the airline or up to $1,000 for the extra cost of one-way economy air fare to your next destination (inbound and outbound).  
  • MEDOC offers up to $10,000,000 as its policy limit. 
  • Up to $15,000 per insured, per trip for trip cancellation, interruption and delay insurance; PSHCP does not offer this coverage. 
  • Up to $10,000 for vehicle return; PSHCP; does not offer this coverage. 
  • Up to $500 for pet return; PSHCP does not offer this coverage.
  • Up to $1,500 per insured for baggage and personal effects insurance (up to $3,000 per family); PSHCP does not cover this. 
  • Up to $100,000 per insured for flight accident and accidental death & dismemberment insurance; PSHCP does not cover this. 
  • Because PSHCP only provides coverage for trips of up to 40 days in duration, MEDOC offers a supplemental plan to provide coverage beyond the 40th day of your trip. Any claim incurred after the 40th day of your trip will be eligible for coverage from first dollar ($1) with no deductible. 

The MEDOC annual base plan provides emergency medical coverage for an unlimited number of trips per policy year up to 40 days each for out of country travel (includes unlimited number of trips within Canada of any duration), for claims that exceed $1, 000,000 (the coverage provided by your PSHCP). For claims exceeding $1,000,000, the following are examples of what is provided in addition to your PSHCP coverage:

  • In hospital private duty nursing
  • Up to $5,000 for emergency dental expenses; PSHCP covers this benefit up to a maximum of $2,000 per emergency, so you can claim up to an additional $5,000 if you have MEDOC, and your emergency dental expenses are in excess of $2,000. 
  • Up to $600 for emergency relief of dental pain.
  • Incidental hospital expenses (TV, telephone, etc.) MEDOC covers up to $50 per day, or up to a maximum of $2,000 per insured. 
  • Return of Deceased provides coverage of up to $15,000 for preparation and transportation of the deceased.
  • PSHCP insures up to $2,500 in total for all additional hotel and meals expenses. MEDOC covers up to $350 per day, or up to a maximum of $3,500 per insured. So if your emergency is within the first 40 days of your trip, and you incur this expense, you can claim $2,500 from the PSHCP plan and then a further $3,500 from MEDOC if you incur in excess of $2,500 for additional hotel and meal expenses.
  • PSHCP covers 80% of emergency related medications prescribed while out of Canada and MEDOC will reimburse the other 20% of emergency related medications prescribed while out of Canada.

For more information on MEDOC travel insurance, call toll-free at  1-855-772-6675  or visit  federalretirees.johnson.ca

Johnson Inc. ("Johnson") is a licensed insurance intermediary.  MEDOC ®  is a Registered Trademark of Johnson Inc., a licensed insurance intermediary (“Johnson”). MEDOC ®  is underwritten by Royal & Sun Alliance Insurance Company of Canada (“RSA”) and administered by Johnson. Johnson and RSA share common ownership. Travel Assistance is provided by Global Excel Management Inc. *For a trip to be covered under Trip Cancellation, MEDOC ®  coverage must be in effect on the day your trip was booked or purchased, a) within 5 business days of booking your trip, or b) prior to any cancellation penalties being charged for that trip. **A 90-day Health Stability Clause applies to pre-existing medical conditions for the Standard Health Option, Supplemental Plan only, and other restrictions may apply. The terms, conditions, limitations and exclusions which apply to the described coverage are as set out in the policy. Policy wordings prevail.

Already a member?  Login now for your exclusive member savings!

Welcome to MyGovTrip!

FedTravel has permanently moved to MyGovTrip.Com .

Please be sure to update your bookmark.

GOVERNMENT TRAVEL PLANNING SIMPLIFIED!!

Welcome to mygovtrip, the premier travel-planning website for government and military travelers, welcome to mygovtrip, the premier travel-planning website for government and military travelers.

MyGovTrip offers travelers the most accurate and up-to-date information for both official and leisure travel. Find commercial flight schedules as well as all Government contract schedules and fares with the 8 airlines in the program, Per Diems, hotels, car rentals and more.

Easy access - no passwords or registrations required!

You are using an outdated browser. Upgrade your browser today or install Google Chrome Frame to better experience this site.

Travel Insurance

insurance claim form

Before you travel, consider getting travel insurance to cover yourself in case delays, accidents, or illness occur on your trip. Your current medical insurance may not cover care in another country. Also, some types of travel insurance help you cover costs if your travel is cancelled or disrupted.

There are different types of insurance you should consider: (1) trip cancellation or travel disruption insurance, (2) travel health insurance, and (3) medical evacuation insurance. These will cover different situations and may give you financial peace of mind, as well as allow for safe and healthy travel.

Trip Cancellation Insurance

Trip cancellation insurance covers your financial investment in your trip, such as flights, cruises, or train tickets. Carefully examine the policy to make sure that it covers what you need it to cover, including cancellation if you or a close family member gets sick. Depending on the policy, trip cancellation insurance might not cover any medical care you need overseas, so you may need a separate travel health insurance policy.

Trip cancellation insurance may allow you to make a last-minute cancellation or changes to your itinerary in the event of a disease outbreak. Be sure to check the fine print to see if your coverage includes disease outbreaks at intended travel destinations and if there are any restrictions.

Travel Health Insurance

If you need medical care in another country, you will likely need to pay out-of-pocket for any services. Even if a country has nationalized health care, it may not cover people who are not citizens. Before you go, consider your insurance options in case you need care while traveling. Travel health insurance is especially important  if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding.

Check if your current health care covers emergencies that happen while traveling. Ask if your policy has any exclusions, such as for preexisting conditions or adventure activities. If your health insurance coverage is not adequate, consider buying a short-term supplemental policy. Look for a policy that will make payments to hospitals directly.

Medical Evacuation Insurance

If you are traveling to a remote destination or to a place where care is not likely to be up to U.S. standards, consider buying medical evacuation insurance. This can be bought separately or as part of your travel health insurance policy. Medical evacuation insurance covers emergency transportation from a remote area to a high-quality hospital, which could otherwise cost more than $100,000. Medical evacuation insurance may also evacuate people with certain infectious diseases whereas other evacuation companies may not have that capacity. Make sure that the policy provides a 24-hour physician support center.

Insurance Resources

This list is not all-inclusive, but these resources provide information about getting travel health and medical evacuation insurance:

  • Department of State
  • International SOS
  • International Association for Medical Assistance to Travelers
  • American Association of Retired Persons

More Information

  • Before You Travel
  • Getting Health Care During Travel

File Formats Help:

  • Adobe PDF file
  • Microsoft PowerPoint file
  • Microsoft Word file
  • Microsoft Excel file
  • Audio/Video file
  • Apple Quicktime file
  • RealPlayer file
  • Zip Archive file

Exit Notification / Disclaimer Policy

  • The Centers for Disease Control and Prevention (CDC) cannot attest to the accuracy of a non-federal website.
  • Linking to a non-federal website does not constitute an endorsement by CDC or any of its employees of the sponsors or the information and products presented on the website.
  • You will be subject to the destination website's privacy policy when you follow the link.
  • CDC is not responsible for Section 508 compliance (accessibility) on other federal or private website.

Language selection

  • Français fr

Public Service Health Care Plan travel and emergency assistance benefits

From: Treasury Board of Canada Secretariat

Table of contents

Travel benefit, emergency travel assistance benefit, 24-hour help line, medical evacuation, advance payment assistance, family assistance, in the event of death, submitting a claim.

Phone Numbers

North America: 1-833-774-2700 (toll-free)

International: 1-365-337-7427 (collect)

Mailing Address MSH International (Canada) Ltd PO Box 4903 STN A Toronto, ON, Canada, M5W 0B1

Email Addresses General: [email protected] To submit a claim: [email protected]

The following benefits are available only to plan members with Supplementary coverage, living in Canada and their eligible dependants.

The Public Service Health Care Plan (PSHCP) covers you and your dependants for up to $1 million each in eligible medical expenses incurred as a result of an emergency while traveling on vacation or business. This coverage continues for up to 40 days after departure from your province of residence, excluding any time out of the province for business on official travel status.

With the Emergency Travel Assistance Benefit, you receive around-the-world services through MSH International, a company that specializes in providing emergency medical and general travel assistance for travelers.

If emergency assistance is needed, a 24-hour help line is available. Multilingual coordinators can access a worldwide network of professionals who offer help with medical, legal, or other travel-related emergencies. Call the 24-hour toll-free number:

  • 1-833-774-2700 in North America (toll-free)
  • or call collect 1-365-337-7427 in all other countries.

The 24-hour help line will also:

  • help you find a local legal advisor
  • provide interpretation services by telephone
  • provide medical referrals and monitoring
  • assist you with benefit coverage enquiries
  • provide verification of coverage to providers (letter of guarantee)

The Emergency Travel Assistance Benefit provides medical evacuation when suitable care is not available in the area where the emergency occurred. The coordinators will arrange to have you or a covered dependant moved to the nearest hospital that provides the appropriate medical care, or will provide transportation back to Canada.

Coverage under the PSHCP and the applicable provincial/territorial health plan will be verified so that the hospital and/or medical payments can be paid on your behalf.  If hospitalized, contact the 24-hour help line immediately. Have your personal Public Service Health Care Plan number and certificate number available.

If payments are made on your behalf, you will be expected to sign an authorization form allowing MSH International to recover the advance from the provincial/territorial health care plan.

Return of Dependent Children

If covered dependent children under age 16 are left unattended because you or your spouse are hospitalized, the coordinators will arrange and pay for transportation of these children and an escort, if necessary, to your home.

Return of Other Family Members

If covered family members are hospitalized, and as a result not able to return home on the originally scheduled flight, requiring the family members to purchase new return tickets, you will be reimbursed for the cost of replacing economy air fare.

Visit of a Relative

If you or your covered dependants become hospitalized for more than 7 days while traveling alone, the Emergency Travel Assistance Benefit will pay for economy air fare, plus meals and accommodation up to $200 per day, for an immediate relative. This benefit will also be paid if it is necessary for a family member to identify the deceased prior to the release of the body.

Meals and Accommodation

If your trip is extended because a covered family member is hospitalized, the Emergency Travel Assistance Benefit will cover the additional expenses incurred by accompanying covered family members for accommodation and meals, up to a maximum of $200 per day.

The combined maximum payable for Family Assistance Benefits is $5,000 per travel emergency.

The coordinators will arrange for the return of a deceased family member to your province of residence, reimbursing you up to a maximum of $3,000 towards the cost of the preparation and transportation of the deceased.

All payments made under the Emergency Travel Assistance Benefits are subject to the $1 million maximum.

(See next for exclusions)

No benefit is payable for:

  • expenses incurred for an emergency that occurs more than 40 days after departure from the participant’s province of residence, excluding any time out of the province for business on official travel status
  • expenses incurred on a non-emergency basis
  • expenses for the regular treatment of an injury or disease which existed prior to your or your covered dependant’s departure
  • expenses above reasonable and customary charges
  • expenses related to extending a trip to quarantine or self-isolate outside a hospital, including for COVID-19
  • expenses incurred under any of the conditions that are listed as an exclusion under the Extended Health Care Plan

Assistance services are not available in countries that are classified as “Avoid All Travel” on the Government of Canada’s official source of  Travel Advice and Advisories . Please note that this list changes from time to time in accordance with world conditions.

To submit a claim online, create an account on the MSH Public Service Health Care Plan (PSHCP) Member Portal using the same email address and date of birth that is on file with Canada Life.

Note that you may not be able to register for the MSH PSHCP Member Portal for 48 hours after completing positive enrolment with Canada Life.

Once you create your account, you can submit claims online using the dedicated portal. Emails received from MSH in response to claim submissions are encrypted and will have the subject line “Proofpoint - MSH INTERNATIONAL on behalf of PSHCP Claims”.

To submit a claim by mail, download a paper claim form from the MSH PSHCP Member Portal or contact the MSH PSHCP Member Contact Centre to ask that one be mailed to you. Completed claim forms should be mailed to:

MSH International (Canada) Ltd PO Box 4903 STN A Toronto, ON, Canada, M5W 0B1

This information is produced by the Government of Canada to provide benefit and administrative information about your PSHCP. It is provided for information only. Should there be any discrepancy between this information and that contained in the PSHCP Directive , the PSHCP Directive applies.

You will be responsible for re-paying any expenses that are paid on your behalf by MSH International that are not eligible for reimbursement under the applicable provincial/territorial health plan or the Extended Health Care Plan for the PSHCP.

If eligible expenses are incurred and MSH International has not made an advanced payment on your behalf, keep a copy of your receipts and submit a claim for reimbursement to the provincial/territorial insurance plan and to the PSHCP.

The information contained here is important to you and your family and a copy should be kept in a safe place, along with your PSHCP Member booklet .

Page details

U.S. flag

An official website of the United States government

Here’s how you know

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS A lock ( Lock A locked padlock ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

U.S. Department of the Treasury

Federal insurance office.

The Federal Insurance Office (FIO) was established under Title V of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

FIO has the authority to monitor all aspects of the insurance sector, monitor the extent to which traditionally underserved communities and consumers have access to affordable non-health insurance products, and to represent the United States on prudential aspects of international insurance matters, including at the International Association of Insurance Supervisors.  In addition, FIO serves as an advisory member of the Financial Stability Oversight Council, assists the Secretary with administration of the Terrorism Risk Insurance Program, and advises the Secretary on important national and international insurance matters.

federal travel insurance

Travel insurance needs are very personal: Here's what to know in case your plans go south

Q: My dear friend recently suffered a fall while visiting her family. She ended up in an out-of-town facility for several weeks and then required custom evacuation services to return home. For the first time, I’m strongly considering travel insurance; what do I need to know?

A: I’m so sorry to hear that your friend had such an unexpected and stressful experience. Like all insurances, the desire to pay for a policy that shares risk when traveling is a very personal decision. Let’s review the coverages offered and try to narrow in on your priorities.

Where are you going, and do you want to pay for evacuation coverage that will bring you back to the U.S. for treatment? When there is a serious illness or injury and medical treatment is required, a travel insurance policy with solid medical coverage can cover the cost of emergency treatment, hospitalization and medication. A couple months ago, another good friend became ill while on riverboat vacation in Paris and she didn’t have travel insurance. The complete cost of her testing, diagnosis and treatment was only $300.

Start the day smarter. Get all the news you need in your inbox each morning.

An emergency evacuation may be covered during a natural disaster, political unrest or a medical emergency.

Recently a young couple was walking the Camino Trail and staying in hostels. When he contracted COVID, the hostels made them leave so they could protect the safety of their other guests. Too sick to travel home, the young couple had to pay for an expensive hotel in Spain.

More: I'm leaving my corporate job to be a brewmaster: What's the best way to tap into savings?

Is trip delay, cancellation and interruption your priority? While delays are more common in less developed parts of the world and rebooking air can be expensive, travel disruption takes many forms. Civil conflict, terrorist attacks, epidemics, natural disasters and economic unrest are all acceptable reasons to rearrange schedules and accommodations. Some carriers have an emergency team of experts staffed by Army Rangers, Navy Seals and Air Force Pararescue. These coverages provide peace of mind wherever you’re going.

Still checking luggage? After personally spending three days in Africa without my clothes, I learned that lost or delayed baggage can seriously impact a vacation. Most travel insurance plans include lost luggage coverage for clothing and other essential items.

How about losing your backpack, purse or wallet? These items often include expensive electronics and essential identification. The travel insurance representative may be able to guide you through the maze of replacing government-issued documents necessary for returning home. Don’t carry too much cash; it’s rarely reimbursable.

Are you planning to rent a vehicle overseas? Check your auto insurer before you go to find out what’s covered. Ask the rental company overseas to find out if there are any age limitations. Some countries have extra rules for renters above age 75, and many impose a fee or require the purchase of overpriced insurance similar to the “under 25” fee in the U.S. And then there are the countries that want documented proof of suitability, which can vary by location.

Do your research. There are several good websites where searching for a plan narrows the focus into specific goals. Consider these questions:

  • Is this just for one trip? Or are you traveling many times this year and want a multi-trip plan?
  • Do you want a basic plan or prefer to have extensive coverage that includes a multitude of situations and many more benefits?
  • Is trip interruption or cancellation a priority?
  • Is emergency medical a top priority? What about evacuation back to the US?
  • Do you want to cover delayed or lost baggage?

Most travel insurance reimburses covered financial losses and requires that a claim be filed and approved, and the loss must be proven. Pricier plans may pay expenses upfront or pay a fixed payment of around $100 per day. The travel insurance plan that you choose can be based on your priorities. As with most things in life, you get what you pay for.

Safe travels!

Mary Baldwin, CFP®, is a fee-only financial planner at Buckingham Strategic Wealth in Indian Harbour Beach. Contact her at 321-428-4555 or [email protected].

For informational and educational purposes only and should not be construed as specific investment, accounting, legal, or tax advice. Certain information is based on third party data and may become outdated or otherwise superseded. Neither the Securities and Exchange Commission (SEC) nor any other federal or state agency have approved, determined the accuracy, or confirmed the adequacy of this information. R-24-7414.

This article originally appeared on Florida Today: Travel insurance needs are very personal: Here's what to know in case your plans go south

Financial planner Mary Baldwin: "When there is a serious illness or injury and medical treatment is required, a travel insurance policy with solid medical coverage can cover the cost of emergency treatment, hospitalization and medication."

  • Travel Insurance

Your Travel Checklist

  • Reservations have been made.
  • Tickets are purchased
  • Insurance is still needed.

Get member pricing for travel insurance and additional non-insurance assistance services for your next trip.

federal travel insurance

The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

Security Alert May 17, 2024

Worldwide caution.

  • Travel Advisories |
  • Contact Us |
  • MyTravelGov |

Find U.S. Embassies & Consulates

Travel.state.gov, congressional liaison, special issuance agency, u.s. passports, international travel, intercountry adoption, international parental child abduction, records and authentications, popular links, travel advisories, mytravelgov, stay connected, legal resources, legal information, info for u.s. law enforcement, replace or certify documents, before you go.

Learn About Your Destination

While Abroad

Emergencies

Share this page:

Crisis and Disaster Abroad: Be Ready

What the Department of State Can and Can't Do in a Crisis

Information for U.S. Citizens about a U.S. Government-Assisted Evacuation

Traveler's Checklist

Safety and Security Messaging

Best Practices for Traveler Safety

Staying Connected

Smart Traveler Enrollment Program (STEP)

Traveler Information

LGBTQI+ Travelers

Adventure Travel

High-Risk Area Travelers

Travelers with Dual Nationality

Journalist Travelers

Faith-Based Travelers

Pilgrimage Travelers (Hajj and Umrah)

U.S. Students Abroad

Cruise Ship Passengers

Women Travelers

Travelers with Disabilities

Older Travelers

U.S. Volunteers Abroad

Travelers with Pets

Travelers With Firearms

Travel Agents

Travel Safety - Race and Ethnicity

U.S. Travelers in Europe's Schengen Area

Your Health Abroad

Insurance Coverage Overseas

Driving and Road Safety Abroad

Customs and Import Restrictions

Information for U.S. Citizens in Russia – Travel Options Out of Russia

Lodging Safety

Paris 2024 Olympics and Paralympics

DHS Trusted Traveler Programs

The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel. For more information on health, visit our page on  Your Health Abroad . You should also review the  country information page  for your destination before you travel.

Before you go, consider your insurance options.

  • U.S. Medicare and Medicaid do not cover medical costs overseas.
  • Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.
  • More information is also available on the  CDC insurance page .

Medical Evacuation Insurance

  • Pays for medical care and emergency transportation.
  • Can be purchased separately or as part of your travel health insurance policy.
  • Is strongly recommended, particularly if you are visiting countries with limited health care facilities.

Travel Health Insurance

  • Travel Health Insurance pays for emergency and/or routine medical services overseas.
  • If you have health insurance in the United States, find out if it provides coverage for routine and/or emergency medical services abroad. More information is available on our page about  Your Health Abroad .
  • If your health insurance coverage does not provide full coverage overseas, consider buying a short-term supplemental policy. Look for a policy that will make payments to hospitals directly.

Trip Cancellation Insurance

  • Covers your financial investment in your trip, such as flights, cruises, or train tickets.
  • May not cover any medical care you need overseas, so you may need a separate travel health insurance policy.
  • Familiarize yourself with your travel and medical coverage before going overseas.

Considerations When Looking at Travel Insurance

Travel insurance varies widely, so you should carefully read the terms of an insurance policy to make sure it fits your needs. Before selecting a Travel Insurance, make sure it covers:

  • The region(s) you will visit
  • Your duration of travel
  • Emergency medical care
  • Medical transport back to the United States
  • Travel/accommodation costs
  • Enough financial coverage for worst-case scenarios
  • Pre-existing conditions
  • Activities you plan on engaging in

You should also make sure the insurance company has a 24-hour contact line, so that you and/or your medical provider overseas are able to reach the company if needed.

The Department of State assumes no responsibility or liability for the professional ability or reputation of, or the quality of services provided by, any provider.

Enroll in STEP

Enroll in STEP

Subscribe to get up-to-date safety and security information and help us reach you in an emergency abroad.

Recommended Web Browsers: Microsoft Edge or Google Chrome.

Learn about your destination

Check passport expiration dates carefully for all travelers! Children’s passports are issued for 5 years, adult passports for 10 years.

External Link

You are about to leave travel.state.gov for an external website that is not maintained by the U.S. Department of State.

Links to external websites are provided as a convenience and should not be construed as an endorsement by the U.S. Department of State of the views or products contained therein. If you wish to remain on travel.state.gov, click the "cancel" message.

You are about to visit:

Coverage that goes where you go: Travel worry-free with Blue Cross Blue Shield

Planning to hit the road this travel season?   You’ve got a lot to do!   You’ll have to book your travel, lodging and activities, pack and be sure your home is looked after while you’re gone.   That’s a lot to think about, and the list goes on. With so much to do, it’s easy to overlook one item that might prove crucial: ensuring that you will be covered if you need medical care while traveling.

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists.   And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue .

BCBS Coverage Travels with You

If you aren’t sure what’s covered, it’s a good idea to call your Blue Cross Blue Shield company to find out what your benefits are if something goes awry while on vacation. When traveling within the United States, most Blue Cross Blue Shield members will be covered under the BlueCard program, which connects all 36 individual Blue Cross Blue Shield companies so that members can enjoy access to the savings the local Blue Cross Blue Shield plan has negotiated with its doctors and hospitals.

For example, if a member of Blue Cross Blue Shield of Texas, whose Plan includes the BlueCard program, falls and breaks his arm while hiking in Yellowstone, he will be charged the rate Blue Cross Blue Shield of Wyoming has negotiated with the local hospital rather than paying the steep fees he would otherwise encounter.   Likewise, a BCBS Wyoming member who falls ill in Dallas would be charged the rate BCBS Texas has negotiated with its local providers.   It’s one of the many benefits of belonging to the nation’s oldest and largest health insurance system.

If your plans include international travel, GeoBlue   has an extensive network of options to meet your needs when living or working abroad for an extended period of time.   Though many Blue Cross Blue Shield plans cover international care in emergency situations, GeoBlu e  plans offer the most complete set of benefits and access to services like emergency medical evacuation, which might not be covered by your regular plan.

Insurance Tips for Travelers

Here are a few steps you can take to take charge of your health while traveling:

Traveling Within the United States

  • Call your BCBS company to find out what your benefits cover while traveling.
  • Always carry your current BCBS ID Card .
  • To find nearby doctors and hospitals, call BlueCard Access at 1-800-810-BLUE (2583) or visit the Blue National Doctor & Hospital Provider Finder .
  • Call your Blue Plan for precertification or prior authorization if necessary. Refer to the phone number located on your Blue ID card.

Traveling Abroad

  • Verify your international benefits with your Blue Plan before leaving the United States, or purchase a GeoBlue  plan.
  • Always carry your Blue ID card.
  • If you need to locate a doctor or hospital, or need medical assistance services, hotlines are available 24/7. You can reach the BlueCard Worldwide Service Center at 1-800-810-BLUE (2583) or call collect at 1-804-673-1177. If you’re a GeoBlue member, call collect at 1-610-254-8771, or 1-800-257-4823 from inside the U.S.

To learn more, visit BCBS.com or the GeoBlue website.

The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies.

Search NAIC

Recommended.

Back to Insurance Topics

Travel Insurance

Last Updated: 12/21/2023 Issue:  Travel insurance is a type of insurance for risk associated with traveling such as loss of luggage, trip cancellation and delays. The popularity of travel insurance is increasing. According to the U.S. Travel Insurance Association (UStiA), during 2018-2020  consumers spent approximately $1.72 billion  on various types of travel insurance products, a reduction from the previous high of $4 billion in 2016-2018's study. The drop is likely due to the impact of COVID-19 on personal travel.

Background:  Travel insurance gives consumers peace of mind when booking a trip that they will be reimbursed for part of, or all their expenses should an undesirable event occur that prompts cancellation or interruption of the trip. Policies are generally good for U.S. and international travel and usually  cost between 4-8%  of the total trip price.

The main types of travel insurance include:

  • Trip Cancellation/Interruption/Delay  insurance reimburses all pre-paid and non-refundable travel expenses if an individual is prevented from taking all or part of their trip. These policies may reimburse the traveler for part of the vacation should they become seriously ill or injured during the trip or if a flight is delayed, requiring an overnight stay in a hotel. This is the most popular type of travel insurance purchased; trip cancellation/interruption policies  comprise almost 90% of travel protection  plans purchased in 2018, according to the UStiA. In 2020,  47% of trip cancellations  were COVID-related.
  • Baggage Loss/Delay or personal effects insurance  is considered secondary coverage and covers the traveler's lost, stolen, or damaged baggage and personal items. While consumers may have some coverage via homeowner's policies or credit card companies, baggage loss policies can offer additional protection for coverage gaps.
  • Travel Medical insurance  offers secondary health and accident insurance in case of illness or injury while traveling as most standard health insurance plans and Medicare likely will not provide coverage abroad. Additionally, a number of countries, including  most of the E.U . , may require proof of medical insurance in order to receive a visa.
  • Medical Evacuation insuranc e covers costs related to medical emergency transport to licensed medical facilities. Most U.S. health insurance companies will not pay for repatriation or transport to the nearest appropriate medical facility when overseas. Medical evacuation insurance accounts for  about 6.3% of travel insurance plans sold,  according to the UStiA.
  • Cancel For Any Reason:  Cancel for any reason (CFAR) coverage augments trip cancellation insurance by allowing the insured to cancel their trip and receive a partial refund (50%-75% of the total price) for any reason not covered in the original trip cancellation plan. CFARs offer more flexibility than trip cancellation insurance alone. Usually, certain criteria need to be met to qualify for coverage such as purchasing the policy within a specified time frame, insuring the entire full cost of the trip, and adhering to cancellation restrictions (CFARs typically only allow the traveler to cancel their trip 48 hours or more before the departure date). Because of the comprehensiveness and flexibility CFAR policies offer, they will add close to  50% to the total travel insurance cost . The more expensive the trip, the more a CFAR policy will cost out-of-pocket.

Policy Exclusions As with any insurance policy, it is good practice to check not only what is included, but what conditions are excluded from the policy as well. Although every policy is different, some of the most common travel policy exclusions are:

  • Pre-existing health conditions
  • Civil and political unrest at the traveler's destination
  • Pregnancy and childbirth
  • Coverage for those engaging in risky activities such as bungee jumping, backcountry skiing, snowboarding, etc.

Non-Insurance Coverage Travel insurance products are frequently bundled together with non-insurance products and sold as a package. Even though products and services may be bundled together, only the insurance products have the oversight of state insurance departments. Two of the most common non-insurance travel products are cancellation fee waivers and travel assistance services. Cancellation fee waivers provide coverage for fees that may be incurred when cancelling travel plans. Travel assistance services provide things like translation assistance, referrals to medical services, and assistance with lost luggage or travel documentation.

Status:  In November 2015, the U.S. Travel Insurance Association and the Tourism and Travel Industry Consumer Coalition raised concerns regarding lack of specificity and consistent application of regulation of the travel insurance industry to the Property and Casualty (C) Committee. This prompted the committee to appoint a Travel Insurance (C) Working Group in 2016 to consider development of a model law or guideline to establish appropriate regulatory standards for the travel and tourism insurance industry. During the year, the Working Group drafted the model law using the  National Conference of Insurance Legislators (NCOIL) Travel Insurance Model Act  as a starting point. This model law defines regulatory structure related to travel insurance and covers market regulation, premium tax, rate regulation, and enforcement. The model was adopted by the NAIC membership in December 2018. The International Travel and Health Insurance Journal  reports  that, as of March 2023, "29 of the 50 states have adopted the rule in some shape or form."

In 2019, the Market Conduct Examination Standards (D) Working Group added some standards relating to travel insurance. A summary of these changes is  available here .

Related Content

Use the select options below to view recently added content related to the topic selected.

This filter is disabled while the research only filter is enabled.

View upcoming meetings or use the completed tab to view the last 150 days.

Couldn't find any upcoming meetings or calls...

Media queries should be directed to the NAIC Communications Division at 816-783-8909 or [email protected] .

Credit cards

  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

How to Find the Best Travel Insurance

Profile photo of Barbara Marquand

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

federal travel insurance

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

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

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

federal travel insurance

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

federal travel insurance

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

federal travel insurance

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

federal travel insurance

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

federal travel insurance

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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

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

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

federal travel insurance

Do I need travel insurance for my summer vacation? It's complicated.

  • Travel insurance can be complicated, but it's worth it if you have travel expenses that insurance would cover.
  • You might not need travel insurance if you're taking a driving vacation and staying in a place where lodging is free.
  • If you're leaving the country, you'll likely need travel insurance.

Get more news like this delivered to your inbox by signing up for our Travel newsletter here .

If you're planning to travel somewhere this summer, you're probably thinking of buying travel insurance.

Kingsley Hopkins is. He's headed to Portugal and Iceland with his girlfriend, and he wants to make sure he's covered for things like medical emergencies or trip disruptions, "or if a volcano erupts," he said.

Check out   Elliott Confidential , the newsletter the travel industry doesn't want you to read. Each issue is filled with breaking news, deep insights, and exclusive strategies for becoming a better traveler. But don't tell anyone!

But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Learn more: Best travel insurance

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that's busy.

At the same time, danger and uncertainty are lurking everywhere – wars in Europe and the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It's no wonder people are giving some serious thought to insurance. 

Older travelers are particularly worried. And they should be, said PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

Warning: American tourists are being profiled. Don't be one of them.

Try this pro trick for an affordable and stress-free summer vacation

"According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities," he said.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and stand-alone travel insurance. What should you get?

You need peace of mind 

But don't just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind – knowing that if something goes wrong, you'll be taken care of.

"Knowing you're protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” said Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don't need insurance

Here's when you can skip travel insurance, according to experts:

◾ If you already have coverage. "You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization," said Jiten Puri, CEO of PolicyAdvisor.com. If you do, there's no need to buy more coverage. You're all set.

◾ If you're not traveling far. If you're taking a driving vacation and staying in a place where lodging is free, like a relative's sofa, then there's not much to insure. "If you already have health insurance, it may cover you for a domestic trip, so you don't need to think about health insurance coverage," said Joe Cronin, CEO of International Citizens Insurance .

◾ If your trip isn't insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying "yes" to optional travel insurance that your online travel agency may offer you when you're booking a trip. You might not need it.

Here's when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here's when you need the extra coverage:

◾ If you have travel expenses that insurance would cover. "If you have many prepaid, nonrefundable expenses, it's best to take out travel insurance," said Lauren Gumport, a spokeswoman for Faye Travel Insurance ."This includes things like flights, hotel rooms, tickets and activities." The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.

◾ If you're leaving the country. "Your regular medical insurance might not extend coverage beyond your home borders," said John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.

◾ If you can't afford to lose your trip. "When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions, or emergencies," explained Robert Gallagher, president of the US Travel Insurance Association (USTIA). "Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?"  

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

Should you repeat your vacation? Let's settle this once and for all.

Junk fees: Travelers are drowning in junk fees during the summer of surcharges

How one traveler insured his summer vacation

So, how did Hopkins handle his travel insurance needs? Well, as I mentioned – it's complicated.

Hopkins said he always buys some travel insurance before he takes a trip, "but how much, and what I cover, varies," he explained.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something went wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

"We’re going to be doing a lot of hiking in Iceland," he said. "And you just never know." 

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened. 

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

"I’ve heard good things about them," he said. "Hopefully, we won’t need any of it."

How do I insure my trips?

I'm on the road about 360 days a year, so I'm always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know – that's a lot of peace of mind. 

But I've also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, New Mexico, a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

  • Best Extended Auto Warranty
  • Best Used Car Warranty
  • Best Car Warranty Companies
  • CarShield Reviews
  • Best Auto Loan Rates
  • Average Auto Loan Interest Rates
  • Best Auto Refinance Rates
  • Bad Credit Auto Loans
  • Best Auto Shipping Companies
  • How To Ship a Car
  • Car Shipping Cost Calculator
  • Montway Auto Transport Review
  • Best Car Buying Apps
  • Best Sites To Sell a Car
  • CarMax Review
  • Carvana Review (July 2024)
  • Best LLC Service
  • Best Registered Agent Service
  • Best Trademark Service
  • Best Online Legal Services
  • Best Accounting Software
  • Best Receipt Scanner Apps
  • Best Free Accounting Software
  • Best Online Bookkeeping Services
  • Best Mileage Tracker Apps
  • Best Business Expense Tracker Apps
  • Best CRMs for Small Business
  • Best CRM Software
  • Best CRM for Real Estate
  • Best Marketing CRM
  • Best CRM for Sales
  • Best SEO Services
  • Best Mass Texting Services
  • Best Email Marketing Software
  • Best SEO Software
  • Best Free Time Tracking Apps
  • Best HR Software
  • Best Payroll Services
  • Best HR Outsourcing Services
  • Best HRIS Software
  • Best Project Management Software
  • Best Construction Project Management Software
  • Best Task Management Software
  • Free Project Management Software
  • Best Personal Loans
  • Best Fast Personal Loans
  • Best Debt Consolidation Loans
  • Best Personal Loans for Fair Credit
  • HOME EQUITY
  • Best Home Equity Loan Rates
  • Best Home Equity Loans
  • Best Checking Accounts
  • Best Online Checking Accounts
  • Best Online Banks
  • Bank Account Bonuses
  • Best High-Yield Savings Accounts
  • Best Savings Accounts
  • Average Savings Account Interest Rate
  • Money Market Accounts
  • Best CD Rates
  • Best 3-Month CD Rates
  • Best 6-Month CD Rates
  • Best 1-Year CD Rates
  • Best 5-Year CD Rates
  • Best Hearing Aids
  • Best OTC Hearing Aids
  • Most Affordable Hearing Aids
  • Eargo Hearing Aids Review
  • Best Medical Alert Systems
  • Best Medical Alert Watches
  • Best Medical Alert Necklaces
  • Are Medical Alert Systems Covered by Insurance?
  • Best Online Therapy
  • Best Online Therapy Platforms That Take Insurance
  • Best Online Psychiatrist Platforms
  • BetterHelp Review
  • Best Mattress
  • Best Mattress for Side Sleepers
  • Best Mattress for Back Pain
  • Best Adjustable Beds
  • Best Home Warranty Companies
  • Best Home Appliance Insurance
  • American Home Shield Review
  • Liberty Home Guard Review
  • Best Moving Companies
  • Best Interstate Moving Companies
  • Best Long-Distance Moving Companies
  • Cheap Moving Companies
  • Best Window Brands
  • Best Window Replacement Companies
  • Cheap Window Replacement
  • Best Gutter Guards
  • Gutter Installation Costs
  • Best Solar Companies
  • Best Solar Panels
  • How Much Do Solar Panels Cost?
  • Solar Calculator
  • Best Car Insurance Companies
  • Cheapest Car Insurance Companies
  • Compare Car Insurance Quotes
  • Best Car Insurance for New Drivers
  • Best Pet Insurance
  • Cheapest Pet Insurance
  • Pet Insurance Cost
  • Pet Insurance in Texas
  • Pet Wellness Plans
  • Best Life Insurance
  • Best Term Life Insurance
  • Best Whole Life Insurance
  • Term vs. Whole Life Insurance
  • Best Travel Insurance Companies
  • Best Homeowners Insurance Companies
  • Best Renters Insurance Companies
  • Best Motorcycle Insurance
  • Cheapest Homeowners Insurance
  • Cheapest Renters Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Does State Farm Have Travel Insurance? Everything You Need To Know (2024)

Alex Carver Photo

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 Photo

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.

State Farm has provided various insurance products to consumers for over a century. However, the company does not offer travel insurance. In this article, the MarketWatch Guides team will examine State Farm’s insurance lineup, including other products that could extend coverage in travel-related situations. We’ll also provide general information on common types of travel insurance to help you assess if purchasing a policy with another provider is worth it for your needs.

Faye Logo

Does State Farm Offer Travel Insurance?

Based on our research team’s findings, State Farm does not offer travel insurance . However, it does provide coverage for car rentals and living expenses in certain situations. If your car is in the repair shop due to damage or an accident covered by a State Farm car insurance policy, the company will reimburse you for a rental car if you’ve opted for this type of coverage.

In addition, State Farm covers travel expenses — such as lodging, meals and transportation — if your car is not driveable due to covered damage occurring more than 50 miles from home. If you have a home or renters insurance policy with the company, coverage is also extended to your personal property if it’s stolen during your travels.

While this coverage is helpful in case of a car accident during your travels, it does not provide the comprehensive coverage typically found in a travel insurance policy. If you plan to travel domestically through the U.S. or abroad, consider looking into a travel insurance policy to protect your nonrefundable trip expenses along with emergency medical situations.

What Types of Insurance Does State Farm Offer?

While State Farm doesn’t offer travel insurance policies, it does provide other types of coverage to protect you and your assets in various ways. Learn more about some of State Farm’s popular insurance offerings in the sections below.

State Farm Car Insurance

According to the National Association of Insurance Commissioners (NAIC), State Farm is the largest auto insurer in the U.S., with 18.3% of the market share. Based on research conducted by the MarketWatch Guides team, State Farm auto insurance has a strong reputation in consumer studies and offers discount opportunities for students and teens. In addition, it offers a telematics insurance option that provides additional discounts for good driving.

State Farm Homeowners Insurance

State Farm offers homeowners insurance in addition to its auto insurance policies. While policies are available in all 50 U.S. states, the company stopped accepting new applications for property insurance in California in May 2023 . However, current policyholders in the Golden State can still renew their existing policies at this time.

Coverage options offered through State Farm home insurance include dwelling, personal property, loss of use, personal liability, medical payments and more. Other insurance coverages may be available through your local State Farm agent, so contacting one of the company’s over 19,000 insurance agents could yield more options.

State Farm Life Insurance

Life insurance policies can provide a tax-free benefit to beneficiaries when a policyholder passes away, with no restrictions on how they can use the benefit. With State Farm life insurance , you can select from term, whole and universal life insurance policy options. The company also offers add-on endorsements such as term riders for children and care benefit riders, allowing customers to customize coverage and benefits to suit their needs.

Other Types of State Farm Insurance

State Farm offers other types of insurance besides auto, homeowners and life. It offers coverages such as disability insurance, supplemental health insurance, renters insurance, motorcycle insurance, roadside assistance and more. It even offers pet insurance through its partnership with Trupanion , a top-rated pet insurance provider based on the MarketWatch Guides team pet insurance methodology .

Do I Need Travel Insurance?

While some countries may require you to have travel insurance to fulfill entry or visa requirements, our research has shown that many destinations do not require U.S. travelers to have a policy in place for entry. 

If you’re concerned about covering your belongings, non-refundable trip expenses or potential emergency medical bills you might accrue during your travels, you may consider purchasing a travel insurance policy for peace of mind.

Types of Travel Insurance

In your search for trip coverage, you’ll encounter several types of travel insurance. The sections below provide an overview of standard travel insurance types providers frequently offer.

Trip Cancellation and Interruption Coverage

Our research shows that most travel insurance policies include trip cancellation and trip interruption coverage . These coverages can help reimburse prepaid, nonrefundable travel expenses if your trip is delayed or canceled for a covered reason under your policy. Covered expenses may include airfare costs, hotel reservations, event tickets and more.

Note that not all cancellation and interruption scenarios are covered under a travel insurance policy. If you’re looking for coverage that protects you in virtually any situation, you may want to consider cancel for any reason (CFAR) coverage .

Medical Expense Coverage

Travel medical insurance covers emergency medical bills incurred while on a vacation or trip abroad. Our research has found that most health insurance plans, including Medicare , do not cover injuries or illnesses while outside the U.S. Travel medical policies can cover a set amount related to medical expenses that your primary domestic health insurance policy may not cover.

Emergency Evacuation and Transportation Coverage

Travelers visiting a remote area lacking a robust medical system may want to consider emergency evacuation and transportation coverage . If you become sick or injured and require extensive care, this coverage can help you pay for the cost of transportation to an adequate medical facility. In addition, our research found that some providers offer emergency evacuation services during a political emergency or civil unrest.

Lost and Delayed Baggage Coverage

Baggage insurance covers your travel bags and the contents if they become lost, delayed or damaged during your travels. Lost baggage coverage can reimburse you for the cost of your luggage if it’s lost, stolen or damaged during your trip. Baggage delay coverage applies if your luggage is delayed due to transportation provider issues. Note that coverage limits vary by travel policy, so if you plan on traveling with expensive or valuable items in your luggage, it’s worth looking into a plan with high limits for this type of loss.

Auto Rental Damage Coverage

Some travel insurance companies offer rental car coverage, which can help pay for damages to a rental during your travels. However, this type of coverage usually only provides collision insurance and not liability insurance. Because of this, it’s best practice to consult with your rental car company to learn about any specific insurance requirements in your state.

How To Find the Best Travel Insurance

There are several steps you can take while shopping for a travel insurance policy to ensure you find the right coverage for your travel needs. Read more in the sections below.

Evaluate the Financial Risks of Your Trip

When deciding whether or not to purchase a travel insurance policy, it’s best practice to ask yourself if you can take on any losses related to trip costs. For example, if you get sick and cannot travel, are you comfortable with losing any non-refundable travel expenses such as airfare or hotel? A travel insurance policy may be worth the extra expense if you’d rather not take the risk.

Examine the Coverage You Already Have

Look at any coverage you may have through a credit card company or elsewhere. Many credit cards, such as the Chase Sapphire Preferred card, offer travel insurance benefits such as trip cancellation, trip interruption and trip delay coverage if you purchase non-refundable expenses with the card. If you have this coverage but want additional protection, a travel medical insurance policy could meet your needs.

Gather Quotes from Multiple Travel Insurers

Once you know the type and amount of coverage you’re looking for, gathering quotes from multiple travel insurers can help you find a plan that fits your budget. In our experience, gathering quotes is a relatively straightforward process. Most providers allow you to get a quote and complete the purchasing process entirely online, making it ideal for digitally savvy shoppers. 

On the other hand, if you’d prefer to speak with a representative who can explain coverage options in further detail, providers typically offer a phone number that can connect you with the help you need.

Read the Fine Print

It’s best practice to read the fine print within your travel insurance contract. Understanding what is and is not covered is important when shopping for travel insurance. All policies have coverage exclusions, and aligning your needs with a plan involves ensuring you fully understand what a policy entails. This can also help prevent surprises if you need to file a claim and the company denies coverage due to fine print exclusions.

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

How Much Does Travel Insurance Cost?

The average cost of travel insurance is $221 , based on quotes gathered by our research team from 20 different travel insurance providers. Your costs may vary due to factors such as total trip costs, your destination, age, coverage amounts and more. To better break down this average cost, we’ve outlined the average plan cost for each of the seven traveler profiles used to gather quotes. 

After gathering 1,519 quotes using the seven unique traveler profiles featured above, our research team concluded that the average cost of a travel insurance policy equals about 3% to 5% of your trip’s total value.

Is Travel Insurance Worth It?

Deciding whether to purchase a travel insurance policy is a decision only you can make. A travel insurance policy can provide a safety net regarding non-refundable trip expenses and unexpected emergency medical bills. However, if your travel bookings have a generous cancellation policy or if you’re booking an inexpensive trip, you may not find travel insurance worth the extra cost. 

Based on our research, it’s best practice to consider your personal travel needs and circumstances when deciding if a policy is worth your money. This way, you can make an informed decision that best suits you.

Frequently Asked Questions about State Farm Travel Insurance

Does state farm offer travel insurance.

State Farm does not offer travel insurance. However, it provides several other types of insurance, including vehicle insurance, home insurance, renters insurance, life insurance, disability insurance and more.

How much does travel insurance cost?

The average cost of a travel insurance policy is $221 , according to quotes gathered by our research team from 20 different travel insurance providers. We calculated this average using seven unique traveler profiles when gathering quotes. Note that your cost for a policy will likely vary based on your personal circumstances and travel needs.

Do I need travel insurance?

For most U.S. residents traveling internationally, travel insurance is not a requirement to enter many countries abroad. However, a travel insurance policy may provide peace of mind regarding non-refundable trip expenses or emergency medical bills from an unexpected illness or accident.

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

GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site. We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products.

4 Reasons That Buying Travel Insurance Will Save You in the Long Run

Justice Petersen

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology .

20 Years Helping You Live Richer

Reviewed by Experts

Trusted by Millions of Readers

While traveling is a great opportunity for relaxation and exploration, it’s no secret that travel comes with many potential risks. From losing luggage to delayed flights to unexpected illness, a variety of things can quickly turn south while traveling. Because of this, many travel and insurance experts recommend travel insurance.

If you can’t afford to lose any money that was invested in an extensive vacation, travel insurance may be a beneficial resource. Here are the reasons experts say consumers may need travel insurance .

If You’re Traveling Overseas

Most domestic health insurance plans don’t cover you if you travel internationally. Therefore, if you get sick or injured, you will have to pay any medical expenses out of pocket.

“For serious conditions like broken bones or a heart attack, paying for hospitalization yourself might not be financially possible,” said Jeremy Murchland, president of Seven Corners Inc. , a travel insurance provider. 

Additionally, even if the country you’re traveling to has universal healthcare, this does not automatically mean you are eligible for free medical care.

“Those services are intended for citizens of that country, not tourists and visitors,” Murchland said. “Even though medical treatment may be less expensive than in the U.S., it’s best not to depend on the universal healthcare system as free treatment is not guaranteed.”

Furthermore, some countries require you to have travel insurance.

“For example, Cuba, Turkey, Thailand and the UAE all require travel insurance for certain visa types, but even if it isn’t required, having at least a basic travel insurance plan is always a smart idea, especially if you’re traveling with children,” said Erika Kullberg, attorney, personal finance expert and creator of Erika.com .

If You Have Preexisting Health Conditions

Some travel insurance plans offer protection for preexisting health conditions as well as medical costs from sickness or injuries.

“While this is often a concern for older travelers, preexisting conditions coverage might be important to travelers of any age, particularly if they suffer from chronic pain and illness,” Murchland said.

Trip Protection Benefits

Many factors, such as lost luggage and flight delays, can heavily impact both your travel plans and your finances. However, travel insurance often comes with trip protection benefits that can reimburse travelers for these exact situations.

“Losing baggage during transit is a nightmare, but a good travel insurance policy can provide compensation for lost, stolen or even delayed baggage items,” Kullberg said. “You can also be covered for any costs incurred due to travel delays, such as food and accommodation expenses.”

Make your money work for you

Get the latest news on investing, money, and more with our free newsletter.

By subscribing, you agree to our Terms of Use and Privacy Policy . Unsubscribe at any time.

federal travel insurance

You're now subscribed to our newsletter. Check your inbox for more details.

Flexibility With Changing Plans

One never knows when unexpected events may require you to change or reschedule your travel plans. Travel insurance offers flexibility when it comes to accommodating these unprecedented situations.

“If you need to cancel at the last minute due to illness or emergency, you can be reimbursed for typically nonrefundable trip costs,” Kullberg said.

“Optional benefits like Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) give you added flexibility to change your plans and still have some of your trip expenses reimbursed, no matter the reason for that change,” Murchland said.

Additional Benefits of Travel Insurance

While the cost of travel insurance ultimately depends on many factors, such as the cost of your trip, investing in travel insurance may be pricey. However, this cost is still a lot lower than the money one may lose when they aren’t reimbursed for a canceled or rescheduled trip.

“In some instances, a $100 policy could save you thousands if you face a cancellation,” Murchland said.

Additionally, for those who like to travel stress-free, travel insurance may be a great benefit.

“Some travelers aren’t bothered at all by the unknown, while others get nervous about a long list of hypothetical things that could go wrong before or during vacation,” Murchland said. “If you fit into the group that tries to avoid risk, you’ll love travel insurance. Instead of stressing about all the what-ifs, you can travel with peace of mind knowing that your coverage will protect your money, health and belongings if the unexpected happens.”

More From GOBankingRates

  • Here's the Salary Needed to Actually Take Home $100K in Every State
  • 5 Types of Homes That Will Plummet in Value in 2024
  • 6 Things to Try This Week if You're Behind on Your Savings Goals
  • 4 Reasons Retired Women Need More Money Than Men -- And What To Do About it

Share This Article:

Related Content

Could You Afford a Vacation Home Abroad? Check Out the Prices in 5 Major Cities

Could You Afford a Vacation Home Abroad? Check Out the Prices in 5 Major Cities

July 15, 2024

How Much It Costs To Stay 5 Days in These 4 Caribbean Destinations

How Much It Costs To Stay 5 Days in These 4 Caribbean Destinations

July 14, 2024

6 Least Expensive Places to Travel for Labor Day

6 Least Expensive Places to Travel for Labor Day

5 Best All-Inclusive Resorts for Families in Mexico Under $500 per Night

5 Best All-Inclusive Resorts for Families in Mexico Under $500 per Night

July 11, 2024

In Less Than a Year, You Might Not Be Able to Travel to These Six Locations

In Less Than a Year, You Might Not Be Able to Travel to These Six Locations

July 13, 2024

5 Places To Travel This Summer That Are Like Florida, but Way Cheaper

5 Places To Travel This Summer That Are Like Florida, but Way Cheaper

July 12, 2024

Dave Ramsey: 7 Vacation Splurges That are a Waste of Money

Dave Ramsey: 7 Vacation Splurges That are a Waste of Money

8 Labor Day Vacation Packages With Senior Discounts

8 Labor Day Vacation Packages With Senior Discounts

5 Best International Destinations for Summer Flights on a Budget in 2024

5 Best International Destinations for Summer Flights on a Budget in 2024

July 10, 2024

8 Ways To Save on Food When Traveling — Even With Rising Costs

8 Ways To Save on Food When Traveling -- Even With Rising Costs

July 09, 2024

10 Vacation Destinations To Skip This Summer and Travel Off-Peak To Save Money

10 Vacation Destinations To Skip This Summer and Travel Off-Peak To Save Money

7 Vacation Destinations That Are Cheaper to Fly to Than Drive

7 Vacation Destinations That Are Cheaper to Fly to Than Drive

Don’t Waste Your Money on These 5 Unreliable Vacation Upgrades

Don't Waste Your Money on These 5 Unreliable Vacation Upgrades

Which Is Cheaper for Booking Travel: Costco or BJ’s?

Which Is Cheaper for Booking Travel: Costco or BJ's?

What a Trump Win in November Would Mean for the Cost of International Travel, According to Experts

What a Trump Win in November Would Mean for the Cost of International Travel, According to Experts

July 08, 2024

5 Travel Destinations That Are Still Cheap To Fly To in Summer 2024

5 Travel Destinations That Are Still Cheap To Fly To in Summer 2024

July 05, 2024

  • How To Save Money Fast
  • How To Save $10,000 in 3 Months
  • How To Save $10,000 in a Year

Best Ways To Save Your Money

  • Best Ways To Save Money
  • Best Clever Ways To Save Money
  • Best Ideas To Save Money Each Month
  • Best Frugal Living Tips To Help You Save Money
  • Best Tips and Tricks for Saving Money
  • Best Money-Saving Challenges
  • Best Budgeting Apps

federal travel insurance

BEFORE YOU GO

See today's best banking offers.

federal travel insurance

Sending you timely financial stories that you can bank on.

Sign up for our daily newsletter for the latest financial news and trending topics.

For our full Privacy Policy, click here .

1pximage

federal travel insurance

An official website of the United States government

Here’s how you know

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

GSA Logo

  • Explore sell to government
  • Ways you can sell to government
  • How to access contract opportunities
  • Conduct market research
  • Register your business
  • Certify as a small business
  • Become a schedule holder
  • Market your business
  • Research active solicitations
  • Respond to a solicitation
  • What to expect during the award process
  • Comply with contractual requirements
  • Handle contract modifications
  • Monitor past performance evaluations
  • Explore real estate
  • 3D-4D building information modeling
  • Art in architecture | Fine arts
  • Computer-aided design standards
  • Commissioning
  • Design excellence
  • Engineering
  • Project management information system
  • Spatial data management
  • Facilities operations
  • Smart buildings
  • Tenant services
  • Utility services
  • Water quality management
  • Explore historic buildings
  • Heritage tourism
  • Historic preservation policy, tools and resources
  • Historic building stewardship
  • Videos, pictures, posters and more
  • NEPA implementation
  • Courthouse program
  • Land ports of entry
  • Prospectus library
  • Regional buildings
  • Renting property
  • Visiting public buildings
  • Real property disposal
  • Reimbursable services (RWA)
  • Rental policy and procedures
  • Site selection and relocation
  • For businesses seeking opportunities
  • For federal customers
  • For workers in federal buildings
  • Explore policy and regulations
  • Acquisition management policy
  • Aviation management policy
  • Information technology policy
  • Real property management policy
  • Relocation management policy
  • Travel management policy
  • Vehicle management policy
  • Federal acquisition regulations
  • Federal management regulations
  • Federal travel regulations
  • GSA acquisition manual
  • Managing the federal rulemaking process
  • Explore small business
  • Explore business models
  • Research the federal market
  • Forecast of contracting opportunities
  • Events and contacts
  • Explore travel
  • Per diem rates
  • Transportation (airfare rates, POV rates, etc.)
  • State tax exemption
  • Travel charge card
  • Conferences and meetings
  • E-gov travel service (ETS)
  • Travel category schedule
  • Federal travel regulation
  • Travel policy
  • Explore technology
  • Cloud computing services
  • Cybersecurity products and services
  • Data center services
  • Hardware products and services
  • Professional IT services
  • Software products and services
  • Telecommunications and network services
  • Work with small businesses
  • Governmentwide acquisition contracts
  • MAS information technology
  • Software purchase agreements
  • Cybersecurity
  • Digital strategy
  • Emerging citizen technology
  • Federal identity, credentials, and access management
  • Mobile government
  • Technology modernization fund
  • Explore about us
  • Annual reports
  • Mission and strategic goals
  • Role in presidential transitions
  • Get an internship
  • Launch your career
  • Elevate your professional career
  • Discover special hiring paths
  • Climate Action
  • Events and training
  • Agency blog
  • Congressional testimony
  • GSA does that podcast
  • News releases
  • Leadership directory
  • Staff directory
  • Office of the administrator
  • Federal Acquisition Service
  • Public Buildings Service
  • Staff offices
  • Board of Contract Appeals
  • Office of Inspector General
  • Region 1 | New England
  • Region 2 | Northeast and Caribbean
  • Region 3 | Mid-Atlantic
  • Region 4 | Southeast Sunbelt
  • Region 5 | Great Lakes
  • Region 6 | Heartland
  • Region 7 | Greater Southwest
  • Region 8 | Rocky Mountain
  • Region 9 | Pacific Rim
  • Region 10 | Northwest/Arctic
  • Region 11 | National Capital Region
  • Per Diem Lookup

Frequently asked questions, per diem

What is per diem?

How do I find the per diem rate for (city/county, state)?

What is the difference between non-standard areas (NSA) and standard CONUS locations?

How are the CONUS per diem rates set for NSAs?

How does GSA set boundary lines for where per diem rates apply?

How can a CONUS non-standard area (NSA) receive a special review?

How can I request the establishment of a new NSA?

What if a city is not listed on the CONUS Per Diem website?

Can hotels refuse to honor the per diem rate to federal government employees and federal government contractors?

Is the hotel’s GOV rate the same as the federal per diem rate?

Are lodging taxes included in the CONUS per diem rate?

Are taxes and gratuity (tips) included in the Meals and Incidental (M&IE) expense rate?

What is considered an incidental expense?

How often is a study conducted on the M&IE expense rates?

What is the M&IE reimbursement rate during the first and last travel day?

Can I combine the lodging and M&IE per diem rates ("mix and match") in order to get a nicer hotel room or spend more on meals?

Do I need to provide receipts?

What do I do if there are no hotels available at per diem?

Do I receive a meal reimbursement for day travel away from my regular duty station?

How much per diem can I pay a contractor?

How much can a trucker deduct for meals per day?

Per diem is an allowance for lodging, meals, and incidental expenses. The U.S. General Services Administration (GSA) establishes the per diem reimbursement rates that federal agencies use to reimburse their employees for subsistence expenses incurred while on official travel within the continental U.S. (CONUS), which includes the 48 contiguous states and the District of Columbia. The U.S. Department of Defense (DOD) establishes rates for travel in non-foreign areas outside of CONUS, which includes Alaska, Hawaii, and U.S. territories and possessions. The U.S. Department of State establishes rates for travel in foreign areas. For more information on rates established by DOD and the State Department visit travel.dod.mil and aoprals.state.gov .

Please visit www.gsa.gov/perdiem  to find the rates. Click on a state on the map to view that state's rates or enter the location in the search box. Even though some cities are listed for your lookup convenience, not all cities can or will be listed. To look up the county a destination is located in, visit the Census Geocoder . If neither the city nor county you are looking for is listed on the GSA per diem rate page, then the standard CONUS rate applies.

Non-standard areas (NSAs) are frequently traveled by the federal community and are reviewed on an annual basis. Standard CONUS locations are less frequently traveled by the federal community and are not specifically listed on our website.

Per diem rates are set based upon contractor-provided average daily rate (ADR) data of local lodging properties. The properties must be fire-safe and have a FEMA ID number. The ADR is a travel industry metric that divides room sales rental revenue by the number of rooms sold. All rates are evaluated to ensure that they are fair and equitable in the GSA and Office of Management and Budget approval process. For more detailed information, visit the Factors Influencing Lodging Rates page.

5 U.S.C § 5702 gives the Administrator of the U.S. General Services Administration (GSA) the authority to establish the system of reimbursing Federal employees for the subsistence expenses (lodging, meals, and incidentals) of official travel. The law governs how GSA sets rates today, and allows the GSA Administrator to establish locality-based allowances for these expenses with a reporting requirement back to Congress. The law was established to protect Federal employees by fairly reimbursing them for travel expenses. In addition, if a Federal employee cannot find a room within the established per diem rates, the travel policy allows the agency to reimburse the actual hotel charges up to 300 percent of the established per diem rates.

The per diem program has several standards that it follows in its systematic structured per diem methodology. The first level is having a "standard rate" that applies to approximately 85 percent of counties in the continental United States.

It is GSA's policy that, if and when a Federal agency, on behalf of its employees, requests that the standard rate is not adequate in a specific area to cover costs of travel as intended by the law, GSA will study the locality to determine whether the locality under study should become a "non-standard area." If the study recommends a change, a change will be implemented as deemed appropriate. GSA has implemented a process to review and update both the standard and non-standard areas annually.

The standard "boundary line" for where non-standard areas apply is generally one county. This is the case for approximately 85 percent of the non-standard rates that GSA sets. However, in some cases, agencies have requested that the rate apply to an area larger than one county, such as a metropolitan area. In a very small number of cases, an agency can and has requested that a rate apply to just a city and not the entire county. In some rural areas, a rate sometimes applies to more than one county due to lack of an adequate data sample to set a rate otherwise.

GSA uses the Federal Information Processing Series (FIPS) code standard for its apply areas. While GSA often uses ZIP codes to select hotel data samples, the apply area is coded by a FIPS code, unless a Federal agency only wants the rate to apply to certain ZIP codes. These codes are managed by the American National Standards Institute (ANSI) to ensure uniform identification of geographic entities through all federal government agencies.

In order for GSA to conduct a "special" review of a non-standard area (NSA) during the current fiscal year, a Federal Agency Travel Manager or an equivalent individual in grade or title must submit a signed letter on agency letterhead or stationery stating that the present per diem rate is inadequate. The request should contain the following information:

  • The geographical areas you want us to study, especially ZIP codes.
  • The property names (including addresses, ZIP codes, and rates) where your federal travelers stay while on temporary duty travel and those properties (including addresses, ZIP codes, and rates) that will not honor the federal lodging per diem rate.
  • The number of times actual expenses were used and/or federal travelers had to use another lodging facility to stay within the maximum allowable lodging per diem rate, which resulted in additional transportation expenses (rental car, taxi) being incurred.

All valid requests postmarked no later than 12/31 will be eligible for this review. All valid requests received after 12/31, but before 4/1 will be evaluated during the following fiscal year's annual review cycle. After all the requirements are submitted, GSA will obtain updated data from our contractor to determine whether a per diem rate should be increased, decreased or remain unchanged. We will conduct no more than one "special" review for a particular NSA annually.

Letters should be sent to: General Services Administration, Office of Government-wide Policy, 1800 F St. NW., Washington, DC 20405. For more direct service, please also scan and email your request (a signed letter on agency letterhead must be attached) to [email protected] .

The procedure and the request deadline are the same as FAQ #6. However, requests received after 3/31 will not be included in the following fiscal year's annual review cycle because the annual review will have already begun.

If a city is not listed, check to ensure that the county within which it is located is also not listed. Visit the Census Geocoder to determine the county a destination is located in. If the city is not listed, but the county is, then the per diem rate is the rate for that entire county. If the city and the county are not listed, then that area receives the standard CONUS location rate.

Hotels are not required to honor the federal per diem rates. It is each property’s business decision whether or not to offer the rate. Hotels also may or may not choose to extend the rate to other individuals, such as government contractors.

Hotels sometimes offer a "GOV" rate, which might be different than the federal per diem rate. If it is higher, you need to receive approval for actual expense prior to travel in order to receive full reimbursement. It is the traveler’s responsibility to know the federal per diem reimbursement rates, and should not assume a GOV rate is the same as the federal per diem rate. See the FTR Chapter 301, Subpart D-Actual Expense and follow your agency's guidelines.

Lodging taxes are not included in the CONUS per diem rate. The Federal Travel Regulation 301-11.27 states that in CONUS, lodging taxes paid by the federal traveler are reimbursable as a miscellaneous travel expense limited to the taxes on reimbursable lodging costs. For foreign areas, lodging taxes have not been removed from the foreign per diem rates established by the Department of State. Separate claims for lodging taxes incurred in foreign areas not allowed. Some states and local governments may exempt federal travelers from the payment of taxes. For more information regarding tax exempt status, travelers should visit the State Tax Forms page.

Yes, the meals and incidental expense (M&IE) rate does include taxes and tips in the rate, so travelers will not be reimbursed separately for those items.

The Federal Travel Regulation Chapter 300, Part 300-3 , under Per Diem Allowance, describes incidental expenses as: Fees and tips given to porters, baggage carriers, hotel staff, and staff on ships.

An M&IE study has traditionally been conducted every three to five years. Based upon the recommendations of the Governmentwide Travel Advisory Committee, GSA began reviewing rates every three years starting with rates for FY 2016.

On the first and last travel day, Federal employees are only eligible for 75 percent of the total M&IE rate for their temporary duty travel location (not the official duty station location). For your convenience, the M&IE breakdown page has a table showing the calculated amount for the "First and Last Day of Travel."

For federal employees, the Federal Travel Regulation (FTR) does not make a provision for "mixing and matching" reimbursement rates. The lodging per diem rates are a maximum amount; the traveler only receives actual lodging costs up to that maximum rate. Therefore, there is no "extra" lodging per diem to add to the M&IE rate. Likewise, the M&IE per diem cannot be given up or transferred to lodging costs. See FTR 301-11.100 and 301-11.101 for more information.

For any official temporary travel destination, you must provide a receipt to substantiate your claimed travel expenses for lodging and receipts for any authorized expenses incurred costing over $75, or a reason acceptable to your agency explaining why you are unable to provide the necessary receipt (see Federal Travel Regulation 301-11.25 ).

You may ask your agency to authorize the actual expense allowance provision. The Federal Travel Regulation (FTR) 301-11.300 through 306 notes that if lodging is not available at your temporary duty location, your agency may authorize or approve the maximum per diem rate of up to 300% of per diem for the location where lodging is obtained. You should also ensure you have checked www.fedrooms.com to confirm there are no rooms available at per diem in the area where you need to travel.

According to the Federal Travel Regulation (FTR), travelers are entitled to 75% of the prescribed meals and incidental expenses for one day travel away from your official station if it is longer than 12 hours. Please see FTR 301-11.101 .

GSA establishes per diem rates and related policies for federal travelers on official travel only, and cannot address specific inquiries concerning the payment of contractors. If the contractor is on a federal contract, check with the contracting officer to see what is stated in their contract. Contractors should also check the travel regulations of their company.

GSA establishes per diem rates, along with its policies for federal employees on official travel only. Truck-related questions should be addressed either to the Department of Transportation ( www.dot.gov ) or the Internal Revenue Service ( www.irs.gov ).

PER DIEM LOOK-UP

1 choose a location.

Error, The Per Diem API is not responding. Please try again later.

No results could be found for the location you've entered.

Rates for Alaska, Hawaii, U.S. Territories and Possessions are set by the Department of Defense .

Rates for foreign countries are set by the State Department .

2 Choose a date

Rates are available between 10/1/2021 and 09/30/2024.

The End Date of your trip can not occur before the Start Date.

Traveler reimbursement is based on the location of the work activities and not the accommodations, unless lodging is not available at the work activity, then the agency may authorize the rate where lodging is obtained.

Unless otherwise specified, the per diem locality is defined as "all locations within, or entirely surrounded by, the corporate limits of the key city, including independent entities located within those boundaries."

Per diem localities with county definitions shall include "all locations within, or entirely surrounded by, the corporate limits of the key city as well as the boundaries of the listed counties, including independent entities located within the boundaries of the key city and the listed counties (unless otherwise listed separately)."

When a military installation or Government - related facility(whether or not specifically named) is located partially within more than one city or county boundary, the applicable per diem rate for the entire installation or facility is the higher of the rates which apply to the cities and / or counties, even though part(s) of such activities may be located outside the defined per diem locality.

Introduction to American Express Travel Protection

Types of travel protection offered, american express travel protection: a guide to your benefits.

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

The information for the following product(s) has been collected independently by Business Insider: Hilton Honors American Express Aspire Card, Amex EveryDay® Preferred Credit Card, American Express® Green Card, The Plum Card® from American Express. The details for these products have not been reviewed or provided by the issuer.

  • Some American Express cards offer trip cancellation and interruption benefits .
  • You'll find these perks on cards like The Platinum Card® from American Express.
  • If you're eager to sign up for a travel credit card with perks, compare each card's offerings.

Overview of Travel Protection Benefits

While credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel.

When you pay for a trip with a credit card that offers trip cancellation and interruption insurance, for example, you can get reimbursed for some of your travel expenses in the event your vacation is halted for reasons beyond your control. Meanwhile, trip delay insurance lets you apply for some reimbursement when a delay of your trip results in surprise expenses, such as an unplanned hotel stay near the airport when your flight is on hold.

Importance of Travel Insurance

Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card have really stood out for years in terms of the protections they offer, and with some of the highest limits out there. Still, American Express is still coming around — it recently added trip cancellation and interruption insurance, along with trip delay coverage, to many of its top rewards credit cards. 

If you're in the market for an American Express card and you're hoping to take advantage of important travel benefits, consider the cards below and their expanded travel protections.

Trip Cancellation and Interruption Insurance

New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for reimbursement of prepaid travel expenses like airfare and hotels. This coverage can come in handy if your trip is canceled for a covered reason beyond your control, or you're stuck in your destination and require an extended stay and additional costs before you can return home.

Note that this coverage is good for round-trip travel booked with your credit card, meaning you have to pay for travel expenses with a common carrier with your American Express credit card in order to be eligible.

American Express cards that qualify for this coverage include:

  • The Platinum Card® from American Express
  • Delta SkyMiles® Reserve American Express Card
  • Hilton Honors American Express Aspire Card
  • Marriott Bonvoy Brilliant® American Express® Card
  • The Business Platinum Card® from American Express
  • Delta SkyMiles® Reserve Business American Express Card

Other versions of the Amex Platinum card — including the Goldman Sachs, Morgan Stanley, and corporate flavors —  also offer this coverage, as do all versions of the Amex Centurion (black) card , which is invite-only.

Baggage Insurance Plan

Quite a few American Express credit cards also offer a baggage insurance plan, although this isn't a new or upgraded benefit from the card issuer. This coverage can come in handy if your luggage is lost or stolen during a covered trip. To be eligible for this coverage, you have to pay for travel with a common carrier (airfare, cruise fare, etc.) with your American Express credit card.

The amount of coverage you'll receive depends on the card you have. For example, baggage insurance from the The Platinum Card® from American Express offers up to $3,000 in coverage per person for carry-on luggage and up to $2,000 per person in coverage for some types of checked baggage.

With baggage insurance from the Amex EveryDay® Preferred Credit Card , on the other hand, you'll only qualify for up to $1,250 in coverage per person for carry-on luggage and up to $500 for covered checked baggage, although an extra benefit of $250 is offered for qualified "high risk items" like jewelry or sporting equipment. 

American Express cards that come with baggage insurance include:

  • The Platinum Card® from American Express (including various versions)
  • American Express® Gold Card (including various versions)
  • American Express® Green Card (including various versions)
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Hilton Honors American Express Surpass® Card
  • Amex EveryDay® Preferred Credit Card
  • The Plum Card® from American Express

American Express business cards with baggage insurance include:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • Delta SkyMiles® Gold Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Marriott Bonvoy Business® American Express® Card
  • The Hilton Honors American Express Business Card
  • Lowe's Business Rewards Card from American Express
  • Amazon Business Prime American Express Card
  • Amazon Business American Express Card

Various versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance.

Travel Accident Insurance

Some American Express cards also offer secondary auto rental coverage, which means this coverage kicks in after other policies you have are exhausted, as opposed to primary car rental coverage.

While this benefit applies to many Amex cards, note that coverage limits can vary. With the Amex Gold card, for example, coverage is limited to $50,000 per rental agreement for damage or theft, yet the Amex Platinum card offers up to $75,000 in coverage. The insurance doesn't cover personal liability, either.

Also note that this coverage comes with a certain amount of Accidental Death or Dismemberment Coverage that varies by card. With , for example, you'll receive up to $200,000 in coverage per person and up to $300,000 in coverage per car accident for accidental death and dismemberment. Make sure to read your credit card's terms and conditions so you know exactly how much coverage you have. 

American Express cards that come with secondary auto rental coverage include:

  • The Platinum Card® from American Express (including various versions)
  • Delta SkyMiles® Blue American Express Card
  • Hilton Honors American Express Card
  • Marriott Bonvoy American Express® Card (no longer available to new applicants)
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express
  • Amex Everyday® Credit Card from American Express

And business cards from Amex that offer secondary car rental insurance include:

While American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. The same is true for the American Express Roadside Assistance Hotline, which is no longer available.

Trip Delay Insurance

In January of 2020, American Express also rolled out an upgraded trip delay insurance benefit for many of its top rewards credit cards. While this perk may seem like an unusual one, there are so many scenarios where trip delay coverage could help you save money and avoid surprise expenses when travel is delayed beyond your control. 

With trip delay coverage from Amex, you can be reimbursed for up to $500 per trip for hotel stays, meals, and other miscellaneous required expenses when your flight or other trip plans are delayed by more than six hours. If you're sitting at the airport and your flight is suddenly delayed until the next morning, for example, you could use this coverage to get reimbursed for a nearby airport hotel and your dinner, then for an Uber or Lyft ride back to the airport.

To qualify for American Express trip delay coverage, you need to pay for your round-trip travel expenses with a common carrier with your credit card.

Amex cards that come with trip delay coverage include:

  • American Express® Gold Card
  • American Express® Green Card

Again, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.

Most travel protections are automatically activated when you use your American Express card to book your travel. However, specific activation steps, if any, depend on the benefit.

Covered reasons for trip cancellation or interruption typically include illness, severe weather, and other unforeseen events, reimbursing you for non-refundable travel expenses.

Yes, baggage insurance plans come with coverage limits, which vary depending on the card and the type of loss (e.g., lost, damaged, or stolen baggage).

The Global Assist Hotline offers medical, legal, and other emergency coordination and assistance services, but financial costs for services rendered are typically the cardholder's responsibility.

Eligibility for specific travel protections varies by card. Premium cards often offer more comprehensive protections compared to basic cards.

federal travel insurance

For rates and fees of The Platinum Card® from American Express, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

federal travel insurance

Watch: Marketing leaders have to help their companies keep pace with the rapidly changing worlds of their customers, says Elizabeth Rutledge, CMO of American Express

federal travel insurance

  • Main content

IMAGES

  1. Travel Insurance Claim Guide: From Baggage Loss, Trip Cancellations to

    federal travel insurance

  2. Travel Insurance Explained

    federal travel insurance

  3. How Does Travel Insurance Work

    federal travel insurance

  4. Travel Insurance in the USA

    federal travel insurance

  5. What is Travel Insurance and Who Should Get It?

    federal travel insurance

  6. [TRAVEL INSURANCE] HOW TO GET TRAVEL INSURANCE WITH COVID-19 COVERAGE

    federal travel insurance

VIDEO

  1. Travel insurance to the United States part 257

  2. FWD Travel insurance

  3. "Save on Car Insurance"

  4. Small business, like families, are being screwed by insurance companies

  5. Rising costs of insurance and other travel expenses has majority of drivers reconsidering trips

  6. Federal Travel International Co.,Ltd. : เทคนิคการจองตั๋วเครื่องบินอย่างมืออาชีพ

COMMENTS

  1. Federal travel regulation

    The Federal Travel Regulation summarizes the travel and relocation policy for all federal civilian employees and others authorized to travel at the government's expense. Federal employees and agencies may use the FTR as a reference to ensure official travel and relocation is conducted in a responsible and cost effective manner.

  2. Federal travel regulation and related files

    GSA is amending the Federal Travel Regulation (FTR) by updating the exemptions from mandatory use of the Government contractor-issued travel charge card to ensure the card is used as often as practicable. Publication date: 09/14/2016. Effective date: 09/14/2016. FTR Amendment 2015-05 FTR Case 2015-302.

  3. Federal Employee Discounts

    Hertz - Federal employees can get discounted rates and special upgrades on car rentals for leisure travel. National - Federal employees can get discounted rates on official business with an authorized travel order. Sixt - Up to 5% discount for government employees. Thrifty - Free one car-class upgrade for official and government travel ...

  4. Travel Insurance for Federal Employees

    The price of federal travel insurance also supports your family's vacation budget, as it accounts for only 5.5 percent of total trip expenses, on average. For what our federal government travel insurance plans offer, it's often a smart investment to purchase travel insurance, especially for international trips. ...

  5. Federal Register :: Federal Travel Regulation; Rental Car Policy

    The reimbursement of the cost of collision damage waiver (CDW) or theft insurance when renting a vehicle for Start Printed Page 24064 official travel was not allowed (FTR § 301-10.451(b)). Employees required to travel OCONUS could be reimbursed for the cost of CDW or theft insurance, but not both.

  6. MEDOC Travel Insurance through Johnson Inc.

    PSHCP covers 80% of emergency related medications prescribed while out of Canada and MEDOC will reimburse the other 20% of emergency related medications prescribed while out of Canada. For more information on MEDOC travel insurance, call toll-free at 1-855-772-6675 or visit federalretirees.johnson.ca.

  7. MyGovTrip: Fast and Effective Tools For Simplified Government Travel

    MyGovTrip offers travelers the most accurate and up-to-date information for both official and leisure travel. Find commercial flight schedules as well as all Government contract schedules and fares with the 8 airlines in the program, Per Diems, hotels, car rentals and more. Easy access - no passwords or registrations required!

  8. Travel Insurance

    Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding. Check if your current health care covers emergencies that happen while traveling. Ask if your policy has any exclusions, such as for preexisting ...

  9. Travel

    With a little planning and some common sense tips, you can reach your goal and secure your finances while traveling. Since 1933, Navy Federal Credit Union has grown from 7 members to over 13 million members. And, since that time, our vision statement has remained focused on serving our unique field of membership: "Be the most preferred and ...

  10. Public Service Health Care Plan travel and emergency assistance

    Travel Benefit. The Public Service Health Care Plan (PSHCP) covers you and your dependants for up to $1 million each in eligible medical expenses incurred as a result of an emergency while traveling on vacation or business. This coverage continues for up to 40 days after departure from your province of residence, excluding any time out of the ...

  11. Travel resources

    Your agency's authorized travel management system will show the final price, excluding baggage fees. Commercial baggage fees can be found on the Airline information page. Domestic. Domestic fares include all existing Federal, State, and local taxes, as well as airport maintenance fees and other administrative fees.

  12. Federal Insurance Office

    The Federal Insurance Office (FIO) was established under Title V of the Dodd-Frank Wall Street Reform and Consumer Protection Act. FIO has the authority to monitor all aspects of the insurance sector, monitor the extent to which traditionally underserved communities and consumers have access to affordable non-health insurance products, and to ...

  13. Travel insurance needs are very personal: Here's what to know in ...

    Most travel insurance reimburses covered financial losses and requires that a claim be filed and approved, and the loss must be proven. Pricier plans may pay expenses upfront or pay a fixed ...

  14. Travel Insurance

    The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the ...

  15. Insurance Coverage Overseas

    Insurance Coverage Overseas. The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel. For more information on health, visit our page on Your Health Abroad. You should also review the country information page ...

  16. Best Travel Medical Insurance Of 2024

    Editors' Take. We recommend checking out the Travel Medical Basic USA plan if you value having urgent care and emergency room care covered at 100% over coverage for pre-existing conditions ...

  17. Coverage that goes where you go: Travel worry-free with Blue Cross Blue

    Search for Doctors, Hospitals and Dentists Blue Cross Blue Shield members can search for doctors, hospitals and dentists:. In the United States, Puerto Rico and U.S. Virgin Islands. Outside the United States. Select Blue Cross Blue Shield Global™ or GeoBlue if you have international coverage and need to find care outside the United States.

  18. Insurance Topics

    Last Updated: 12/21/2023 Issue: Travel insurance is a type of insurance for risk associated with traveling such as loss of luggage, trip cancellation and delays.The popularity of travel insurance is increasing. According to the U.S. Travel Insurance Association (UStiA), during 2018-2020 consumers spent approximately $1.72 billion on various types of travel insurance products, a reduction from ...

  19. 11 Best Travel Insurance Companies in July 2024

    Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...

  20. Travel management policy overview

    Travel management policy overview Located within GSA's Office of Government-wide Policy, the Office of Travel, Relocation, Transportation, and Mail Policy sets travel policy for most Executive branch agencies through the Federal Travel Regulation (FTR).The office is best known for setting per diem reimbursement rates for lodging and meals, which is the most frequently visited page on the GSA ...

  21. PDF Federal Travel Regulation Overview

    Travel Policy Mission. Ensure Federal agencies spend travel dollars wisely, efficiently, and effectively while accomplishing their missions. Committed to ensuring that government travel policy follows all relevant laws, while applying innovative technology and implementing industry best practices. Federal Government is among the largest travel ...

  22. How to Find the Best Travel Insurance

    Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...

  23. How to apply for help from FEMA after Hurricane Beryl

    HOUSTON — President Joe Biden has granted a Texas request for a federal emergency disaster declaration through FEMA to cover Hurricane Beryl recovery costs and help storm victims. In a post on X ...

  24. Here's when you need travel insurance (and when you don't)

    For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up ...

  25. Does State Farm Have Travel Insurance? Everything You ...

    The average cost of travel insurance is $221, based on quotes gathered by our research team from 20 different travel insurance providers. Your costs may vary due to factors such as total trip ...

  26. Foreign Travel Policy

    The Federal Travel Regulation (Code of Federal Regulations (CFR), Title 41, Chapters 300 through 304) (FTR) is the Government-wide regulation that implements statutory requirements and Executive Branch policies for travel by Federal civilian employees and others authorized to travel at Government expense. This directive provides internal agency ...

  27. 4 Reasons That Buying Travel Insurance Will Save You ...

    However, travel insurance often comes with trip protection benefits that can reimburse travelers for these exact situations. "Losing baggage during transit is a nightmare, but a good travel insurance policy can provide compensation for lost, stolen or even delayed baggage items," Kullberg said. "You can also be covered for any costs ...

  28. Frequently asked questions, per diem

    The U.S. General Services Administration (GSA) establishes the per diem reimbursement rates that federal agencies use to reimburse their employees for subsistence expenses incurred while on official travel within the continental U.S. (CONUS), which includes the 48 contiguous states and the District of Columbia.

  29. American Express Travel Protection: Insurance Benefits and ...

    New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for ...