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Protect Your Travel Plans: Trip Cancellation Insurance Explained and the 5 Best Policies

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Protect Your Travel Plans: Trip Cancellation Insurance Explained and the 5 Best Policies

Table of Contents

The 5 best trip cancellation insurance policies, what is trip cancellation insurance, how trip cancellation insurance works, is trip cancellation insurance worth it, what trip cancellation insurance costs, choosing trip cancellation insurance , final thoughts.

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You’ve booked your flight, hotel, and tours and are ready to go on your trip — but what happens if you can’t make it? Unexpected circumstances can pop up that force you to cancel your trip, such as illness or natural disasters. If you can’t get refunds from travel suppliers, trip cancellation insurance can help.

Let’s look at what trip cancellation covers, whether you need a trip cancellation policy, and what you should know before shopping for a plan.

You’ll have plenty of options if you want a cheap, standalone trip cancellation policy, comprehensive travel coverage, or Cancel for Any Reason (CFAR) coverage.

Consider these trip cancellation insurance policies that offer good value and coverage, quoted for a 35-year-old visiting Mexico on a $1,500 trip in September 2023:

Best Cheap Trip Cancellation Insurance: battleface

We were quoted just $20 for a battleface Discovery Plan with trip cancellation benefits up to $1,500. But that’s all it offers — you won’t get trip interruption coverage, medical coverage, evacuation, loss or delay, or other benefits offered by comprehensive travel insurance plans.

Best Extensive Trip Cancellation Reasons: IMG

IMG’s iTravelnsured Travel Essential plan isn’t CFAR coverage, but it has multiple covered reasons for cancellation. You’re covered for foreign and domestic terrorism, financial default, medical reasons, and accommodations made uninhabitable. Our $35.92 quote offered up to 100% of the total trip cost for trip cancellation and 125% for trip interruption. 

Best Comprehensive Trip Cancellation Coverage: TinLeg

TinLeg’s Basic travel insurance plan covers up to 100% of your total trip cost for trip cancellation , but you’ll also get other major travel insurance coverages. This plan we were quoted $41 for offers trip interruption, travel delay, baggage delay, emergency medical, evacuation and repatriation, and more. 

Best Layoff Protection: Aegis

Like the battleface plan, Aegis Go Ready Trip Cancellation insurance covers up to 100% of your trip cost if you need to cancel — but not much else. But a big value-add is employment layoff coverage , which allows you to get reimbursed if you need to cancel your trip due to involuntary layoff or termination of employment. We were quoted $45 for this plan.

Best Cancel for Any Reason: Seven Corners

The Seven Corners Trip Protection Basic plan offers optional CFAR coverage, which reimburses up to 75% of your trip cost for reasons not otherwise covered by your policy. Regular trip cancellation and interruption coverage offer reimbursement of up to 100% of your trip cost. Our quoted cost for this plan came to $58.

Trip cancellation insurance is a type of travel insurance. With trip cancellation coverage, you can get reimbursement for nonrefundable prepaid travel expenses if you need to cancel your trip before departure. Trip cancellation is one of the main coverage areas for travel insurance, the other being medical emergency coverage.

Many comprehensive travel insurance policies offer trip cancellation coverage; standalone trip cancellation insurance is less common than comprehensive travel policies. Travel credit cards may offer trip cancellation coverage as a cardholder benefit, as well.

Trip cancellation insurance kicks in if you must cancel your trip due to unforeseen circumstances such as an illness, injury, or other covered reasons. You can get reimbursed for nonrefundable expenses if you have travel cancellation insurance and need to cancel your trip.

Covered nonrefundable expenses typically include:

  • Hotels and vacation rentals
  • Rental cars

Travel insurance policies with trip cancellation coverage often include trip interruption benefits. Similar to trip cancellation coverage, trip interruption benefits can help you recoup your costs if you need to delay or cut your trip short due to covered reasons.

When To Buy Trip Cancellation Insurance

You can usually purchase trip cancellation insurance up to the day before your scheduled departure. Still, you’ll get more value if you purchase insurance as soon as you make your first trip deposit . That way, your travel plans are covered from the start.

Trip Cancellation Insurance Covered Reasons

Unless you opt for Cancel for Any Reason travel insurance, trip cancellation insurance only applies to covered cancellation reasons. For example, you can’t use trip cancellation insurance to cancel your trip for a refund because there’s rain forecasted for your beach vacation. But, you could get reimbursement if a named hurricane forms after you purchased your policy.

Common reasons covered by trip cancellation insurance include:

  • Death, including the death of a family member or traveling companion
  • Government travel warnings or evacuation orders for your destination
  • Home damage or burglary
  • Illness, injury, or quarantine that makes you or a covered travel companion unfit to travel
  • Legal obligations such as jury duty or subpoena
  • Natural disasters such as hurricanes, earthquakes, or floods affect travel operations at your destination
  • Terrorist incidents at home or your destination
  • Travel supplier cancellation
  • Unexpected military duty
  • Unexpected pregnancy complications
  • Unexpected work obligations

These are common covered reasons for trip cancellation insurance, but policies vary in coverage . Reviewing the terms and conditions of your trip cancellation insurance is a good idea so you understand what’s covered.

You should also understand what’s explicitly not covered. For example, changing your mind is not a covered reason on a standard trip cancellation insurance policy. And trip cancellation insurance typically doesn’t cover foreseeable events, routine health treatments, substance abuse, sporting events, mental health, acts of war, self-harm, or dangerous activities such as skydiving.

Cancel for Any Reason Trip Cancellation Coverage

Need to expand your list of covered cancellation reasons? Cancel for Any Reason trip cancellation insurance is an option. 

You can use CFAR to cancel your trip for reasons not covered by trip cancellation insurance, such as changing your mind, fear of travel, unexpected obligations, weather, or budget concerns.

The catch? You’ll pay more for CFAR coverage , and it only reimburses up to 50% to 75% of your nonrefundable travel expenses. Generally, trip cancellation insurance offers 100% reimbursement for covered expenses. 

The other main stipulation is that you’ll need to purchase your coverage within a specified period , usually within 10 to 21 days of your first trip deposit. And to get reimbursement under CFAR, you must cancel your travel within the cancellation timeframe, usually at least 48 hours from your scheduled departure.

Annual Travel Insurance

Most annual travel insurance policies, also known as multi-trip policies, cover trip cancellation for multiple trips taken within the policy period, usually 12 months. You’ll also typically get coverage for medical expenses.

Trip Cancellation vs. Trip Interruption

Trip cancellation insurance covers your nonrefundable travel expenses if you have to cancel before departure, while trip interruption covers your trip costs after departure . For example, trip interruption coverage kicks in if you get injured while traveling and have to go home early.

Woman Jumping Wearing Green Backpack

Trip cancellation insurance can be worth it if you have nonrefundable travel expenses and there’s a risk you’ll have to cancel your travel due to unforeseen events. It offers financial protection if you’re traveling to a destination with potential risks such as natural disasters or political instability — or if you have risk factors at home, such as unpredictable work commitments or family members with health conditions that could interfere with travel. 

If you plan an expensive trip with nonrefundable bookings or deposits, trip cancellation is probably worth it. But if your travel is inexpensive, or most of your travel expenses are refundable, you might not need trip cancellation insurance.

Consider the cost of insurance, the likelihood you’ll need to cancel, and the cost of nonrefundable travel at stake when you decide if trip cancellation is worth it.

A basic travel insurance policy with trip cancellation coverage generally costs between 5% to 10% of your trip costs . So a travel insurance policy for a $5,000 trip would cost $250 to $500. Your costs will be higher if you opt for CFAR coverage.

Factors that influence how much your trip cancellation insurance costs include traveler age, trip expenses, trip length, coverage options, and how many people you need to cover.

A comprehensive travel insurance policy with emergency medical or lost baggage coverage and trip cancellation coverage can offer additional value.

If you’re mainly concerned with trip cancellation coverage, look for cheap travel insurance policies that still offer this coverage, but have either nonexistent or low coverage limits for other coverage areas, such as lost baggage or medical evacuation .

Credit Cards With Trip Cancellation Insurance

You might not have to pay for trip cancellation insurance if you have the right credit card. Some credit cards offer trip cancellation and interruption coverage as a cardholder benefit. 

Credit cards with trip cancellation coverage generally provide between $2,000 to $10,000 per person in trip cancellation benefits, often covering trip interruption. 

For example, the Capital One Venture X Rewards Credit Card offers cardholders $2,000 in trip cancellation or interruption benefits per person. With the Chase Sapphire Reserve ® , cardholders get up to $10,000 per person in trip cancellation coverage with a maximum of $20,000 per trip and a $40,000 limit per 12-month period.

If your nonrefundable travel costs exceed the covered benefit offered by your credit card, you may prefer to purchase separate trip cancellation insurance.

If you only need trip cancellation and interruption coverage, your credit card may have adequate protection benefits.

Consider these factors as you shop for a trip cancellation insurance policy:

  • Cost: Compare policy premiums and consider how the cost fits into your overall travel budget.
  • Coverage Amount: Your trip cancellation coverage should cover all of your nonrefundable prepaid trip expenses. But a policy with too much coverage could be more costly than necessary.
  • Policy Limits: Know the policy’s limits, including deductibles, exclusions, and limitations.
  • Covered Reasons: A policy that offers a variety of covered cancellation reasons offers the most protection.
  • CFAR Coverage: Understand whether CFAR coverage is included in the policy and its additional cost.
  • Reputation and Customer Service: Read travel insurance reviews to learn about the experiences policyholders have had, whether they’re good or bad.
  • Refund Policies: Understand what happens if you cancel your policy before the trip.

Travel insurance comparison sites such as Squaremouth make it easy to enter your trip details and get quotes from multiple insurance providers.

Trip cancellation coverage can provide valuable peace of mind if you’re concerned about losing nonrefundable prepaid travel expenses. It can be worth it if there’s a chance you’ll have to cancel your travel plans, and you’ll lose money on nonrefundable costs. Before you choose a trip cancellation policy, consider factors including cost, coverage, and cancellation reasons, and look at what’s covered with any credit cards you hold.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What is trip cancellation insurance for.

Trip cancellation coverage offers financial protection if you need to cancel or interrupt your trip due to unexpected circumstances. You can get reimbursement for nonrefundable prepaid expenses related to covered travel if you have to cancel your trip.

Is trip cancellation covered in travel insurance?

Most travel insurance policies cover trip cancellation coverage. Other common coverage areas include trip interruption and medical emergencies.

Does trip insurance cover cancellation for any reason?

Travel insurance can offer CFAR coverage, usually as an optional add-on. You can select a CFAR policy if you want more flexibility in canceling your trip and receiving reimbursement.

When should I buy trip cancellation insurance?

It’s best to purchase trip cancellation as soon as you have any money at risk on your trip, usually as soon as you book travel. Buying trip cancellation insurance after booking covers you for unexpected circumstances that could cause you to cancel your trip.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

  • Airfare incase flights are cancelled or you miss a connection
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What does a travel insurance policy cover?

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What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

  • Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
  • Travel to get medical care
  • Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

  • The cost of the trip
  • The length of your trip and destination
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  • The number of travelers covered under the policy

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Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

  • What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
  • Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
  • Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
  • Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
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What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing . You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

  • Benefits: The situations and expenses that are covered by a travel insurance policy.
  • Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
  • Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
  • Premium: The cost of the policy for your specific trip.
  • Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

While most travel insurance plans exclude pre-existing medical conditions from coverage, some plans will offer a Pre-Existing Condition waiver that waives this exclusion. To be eligible for this waiver, you must purchase your policy within 10-21 days after your initial trip deposit, depending on the policy.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance is the most common type of policy, and is designed to cover you for the duration of a trip that lasts less than 90 days. Annual Travel Insurance plans offer coverage for any number of trips taken within a 12-month period. Annual plans can be cost–effective if for frequent travelers, but typically don’t provide trip cancellation benefits found in most single-trip policies.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

  • Contact your insurer: Notify them as soon as possible about the incident.
  • Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
  • Complete the claim form: Fill out the insurer's claim form with accurate details.
  • Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.



Trip Cancellation Benefits

What is trip cancellation protection.

AXA Travel Protection trip cancellation coverage can offer reimbursement to travelers who are compelled to cancel their trips due to unforeseen events before their trip departure. This coverage extends to various scenarios, each covered under specific conditions.  

 Let's explore these situations and understand the invaluable protection they provide below:

Trip Cancellation Qualifications

1. Health-Related Cancellations: If you, as a traveler, experience sickness, accidental injury, or face a tragic event resulting in death or a certified physician deems it necessary to impose medical restrictions preventing your participation in the trip due to the reasons above, this coverage comes to your aid.  

 Crucially, a physician must advise trip cancellation on or before the scheduled departure date. 

2. Family and Travel Companion Health: This coverage also applies if a family member or traveling companion booked to join you on the trip falls ill, sustains accidental injuries, and requires necessary medical treatment, leading to the cancellation of your trip. 

3. Non-Traveling Family Member: In unfortunate circumstances where a non-traveling family member experiences sickness, accidental injury or death, this coverage can offer coverage. 

4. Host at Destination: If the host at your trip's destination passes away or is hospitalized within 30 days of your trip's date, this coverage can apply. 

5. Employment-Related Cancellations: Employment-related issues, such as termination or layoff from full-time employment after one year of continuous service through no fault during your trip, are covered. 

6. Employment Transfer: If your employment requires a transfer of 250 miles or more, and the transfer necessitates relocating your home, this coverage applies. 

7. Military Duty: If a previously approved military leave is revoked or a military reassignment during the trip, this coverage offers coverage. It excludes incidents related to war. 

8. Natural Disasters and Weather: Unforeseen weather conditions, leading to the complete cessation of services for at least 48 consecutive hours by your common carrier or a natural disaster at your destination rendering accommodations uninhabitable make you eligible for coverage. Notably, this coverage does not apply if the natural disaster has been forecasted or a storm has been named before purchasing the policy. 

9. Terrorism: A terrorist incident occurring in your departure city, or a city listed on your trip itinerary within 30 days before your scheduled departure date qualifies for coverage. It is important to note that benefits are not provided if the travel supplier offers a substitute itinerary. This excludes flight connections and other transportation arrangements to reach your destination. Your departure date must be at most 15 months beyond your effective date. Incidents on in-flight aircraft are not covered. 

10. Assault and Other Incidents: If you or your traveling companion are victims of felonious assault, experience hijacking, quarantine, jury duty, subpoena, or if your home becomes uninhabitable due to a natural disaster or burglary within ten days before your departure, this coverage applies. 

11. Traffic Accident: A direct involvement in a traffic accident en route to departure, substantiated by a police report provided to AXA, is a valid reason for trip cancellation coverage. 

12. Travel Supplier Default: The coverage extends to cases of bankruptcy or default of a travel supplier, leading to a cessation of travel services. Benefits will be paid due to bankruptcy or default of an airline only if no alternative transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline to reach your intended destination. This benefit only applies if your scheduled departure date is no more than 15 months beyond your policy's effective date. 

13. Common Carrier Strike: In the event of a strike by the common carrier with whom you or your traveling companion are scheduled to travel, resulting in complete cessation of services for at least forty-eight (48) consecutive hours, this coverage comes into play. 

Exclusive to Platinum Policy Holders 

 1. Business Disruption: In cases where your or your traveling companion's company becomes unsuitable for business due to fire, flood, burglary, vandalism, or other natural disasters, and you are responsible for policy and decision-making within the company and are actively involved in disaster recovery, this coverage is here for support. 

2. Required Work: If you or your traveling companion are required to work during the trip, substantiated by a notarized statement from an officer of the employer, this benefit provides coverage. It is unavailable to independent contractors, temporary employees, self-employed individuals, or company owners or partners. 

3. Company Events: If your or your traveling companion's company is directly involved in a merger, acquisition, government-required product recall, bankruptcy or default proceedings, and you are an active employee directly involved in said event, you are eligible for coverage. 

Is Trip Cancellation coverage necessary?

Whether Trip Cancellation coverage is necessary depends on the individual circumstances and needs. Some people need to cancel their trip due to unexpected events such as sickness, work emergencies, or changes in personal plans. 

In general, having a Trip Cancellation is a personal decision that should be based on the traveler's specific needs and circumstances. It's a good idea to consider Trip Cancellation coverage, especially if the trip involves a significant investment of time and resources.

Get a free Travel Insurance quote today to ease your mind before and during your trip.

Do I need Trip Cancellation coverage?

Having Trip Cancellation coverage is a clever idea. It offers coverage and assistance for multiple reasons. All three of AXA’s travel plans include Trip Cancellation, maximum coverage per person up to:

Maximum Benefit: 100% of Insured Trip Cost Airline Reissue or Cancelation Fees: $100

Maximum Benefit: 100% of Insured Trip Cost Airline Reissue or Cancelation Fees: $100 Reinstate Frequent Traveler Awards: $200

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With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

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Trip Cancellation Insurance FAQs  

What types of vacations does trip cancellation apply to.

Trip Cancellation is applied to any vacation. Whether you are going on a cruise, tour destination, flight, domestic travel, or international travel, Trip Cancellation coverage is applied.

  When does Trip Cancellation Coverage begin?

Two things must occur before coverage can begin: Trip Cancellation Coverage begins when a specific travel package has been selected, and Trip Cancellation coverage begins on the day after the authorized representative receives the required premium for such coverage.

When does Trip Cancellation Coverage end?

Trip Cancellation Coverage will end if any of the following occurs: •    When you depart for your trip on the scheduled departure time on the scheduled departure date or •    The date and time you cancel your trip, or Two (2) days prior to the scheduled departure time on the scheduled departure date of your trip.  

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Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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6 Best Cancel for Any Reason Travel Insurance Options

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Travelex Insurance Services »

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Allianz Travel Insurance »

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Seven Corners »

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AXA Assistance USA »

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IMG Travel Insurance »

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Squaremouth »

Why Trust Us

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

Table of Contents

  • Travelex Insurance Services
  • Allianz Travel Insurance
  • Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

  • AXA Assistance USA
  • IMG Travel Insurance
  • Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000


Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

Why Trust U.S. News Travel

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

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.


How Travel Insurance Works

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Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

Allianz - 2023 Travel Weekly Readers Choice Awards


The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

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

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

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

  • WorldTrips : Best travel insurance.
  • Travel Insured International : Best for emergency evacuation.
  • TravelSafe : Best for missed connections.
  • Aegis : Cheapest travel insurance.
  • Travelex : Best for families.
  • AIG : Best for add-on coverage options.
  • Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.


Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

  • $250,000 in primary medical coverage.
  • $1 million per person in medical evacuation coverage.
  • Primary damage or loss baggage coverage of $500 per item, up to $2,500.
  • 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
  • No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Travel Insured International

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

  • Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
  • $500 per person baggage delay benefit only requires a 3-hour delay.
  • Optional rental car damage benefit up to $50,000.
  • Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections


TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of our best-rated travel insurance plans.
  • No “interruption for any reason” coverage option.
  • Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance


Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

  • Cheapest of our best trip insurance plans.
  • Pet care benefit of $500 under travel delay benefits.
  • Low emergency medical and evacuation limits.
  • Low missed connection benefit of $500 per person for cruises and tours only.
  • Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families


Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

  • Free coverage for children 17 and under on the same policy.
  • Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
  • Hurricane and weather coverage after a common carrier delay of any amount of time.
  • Low emergency medical coverage of $50,000 per person.
  • Non-medical evacuation is not included.
  • Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options


Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

  • Bundle upgrades allow you to customize your travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.
Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes


Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

  • Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
  • Non-medical evacuation benefit of $25,000 per person.
  • Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
  • Baggage loss benefits of $2,500 per person.
  • Travel medical coverage is secondary.
  • Trip cancellation benefit for losing your job requires three years of continuous employment.
  • No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Travel Insured International

Via Compare Coverage’s website


Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

  • Best cruise travel insurance
  • Best COVID travel insurance
  • Best “cancel for any reason” travel insurance
  • Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.


Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Travel Insured

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

Trawick International

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

  • The cost of your trip.
  • Your destination.
  • The length of your trip. 
  • The ages of travelers being insured.
  • Your state of residence.
  • The travel insurance policy you choose.
  • The total coverage amounts in your policy.
  • Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

  • Emergency medical coverage: At least $50,000. 
  • Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

  • Emergency medical coverage: At least $100,000. 
  • Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

  • You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
  • You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
  • You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 
Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

  • Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
  • In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Travel insurance quote filter usage from April 28 to May 28, 2024.


Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • $3,000, 8-day trip to Mexico for two travelers age 30.
  • $3,000, 8-day trip to Mexico for two travelers age 70.
  • $6,000, 17-day trip to Italy for two travelers age 40.
  • $6,000, 17-day trip to Italy for two travelers age 65.
  • $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
  • $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
  • $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

  • Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
  • Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
  • Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
  • Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
  • Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
  • Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
  • Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

  • Bankruptcy of a travel insurance company, such as your airline or tour operator. 
  • Dangerous weather conditions.
  • Delayed and lost luggage.
  • Illness or death in your family that requires you to stay home or cut your trip short.
  • Illness that needs medical attention.
  • Injury requiring medical evacuation.
  • Jury duty. 
  • Travel delays and missed connections.
  • Theft of your personal belongings while traveling.
  • Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

  • Accidents or injuries caused by drinking or drug use.
  • Canceling your trip because you changed your mind.
  • Ending your trip early because you changed your mind.
  • Losses caused by intentional self harm, including suicide.
  • Losses due to war, civil disorder or riots.
  • Medical tourism.
  • Medical treatment for pre-existing conditions.
  • Mental health care.
  • Natural disasters that begin before you buy travel insurance.
  • Non-medical evacuation.
  • Normal pregnancy. 
  • Medical treatment related to high-risk activities.
  • Routine medical care, such as physicals or dental care.
  • Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

  • Travel Insured International — Rental car damage and theft coverage of $50,000.
  • WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

  • Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
  • 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
  • ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
  • Hurricane Irma: Flight cancellations top 12,500; even more expected
  • Is an annual travel insurance policy right for you?
  • How 2020 and COVID-19 changed travel forever – and what that means for you
  • COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
  • Sunday: Snow is over, but flight cancellations top 12,000
  • After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
  • What’s the difference between travel insurance and trip ‘protection’?
  • How to choose the right travel insurance for your next vacation
  • Travel insurance can save the day
  • Angry passengers brawl after Spirit cancels flights
  • What to do when travel insurance doesn’t work
  • How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
  • Travelers will pay and worry more on summer vacation this year. But they won’t cancel
  • How to find a hotel with COVID testing and quarantine facilities wherever you travel
  • Yearning to travel in 2022? First, figure out your budget – then pick a destination
  • Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
  • Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
  • Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
  • These days, forgetting these important travel items could cost you thousands of dollars
  • International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
  • Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
  • The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
  • Should you travel during the holidays? Americans struggle with their decision
  • ‘There’s still pent-up demand’: What you should know about fall travel
  • Planning for life after coronavirus: When will we know it’s safe to travel again?
  • ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
  • Considering a camping trip this summer? Tips to make sure your gear is good to go
  • RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
  • Five myths about travel agents
  • Should I buy travel insurance?
  • Is travel insurance stacked against you?
  • Five myths about travel insurance and terrorism
  • These eight things could get your travel insurance claims rejected
  • There’s a good chance that your credit card already gives you some kind of travel insurance coverage
  • How to avoid a hotel cancellation penalty
  • Change fees and travel insurance continue to rise

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

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

Amy Fontinelle

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

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

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travel cancellation insurance quote

Best Cancel for Any Reason Travel Insurance of 2024

See which insurers are the best for affordability, coverage, and more

If you’re a frequent traveler, having travel insurance can be valuable. But if you need to cancel a trip, your policy will only refund your prepaid expenses due to certain circumstances. Adding cancel for any reason (CFAR) travel insurance to your policy covers many cancellation causes that normally are not covered, like last-minute work obligations or safety concerns.

To help you choose the best cancel for any reason travel insurance, we evaluated 18 companies based on 28 criteria. Some of the factors we looked at include the maximum CFAR reimbursement rates (20% of the score), premiums (17.5%), number of policy types available (7.5%), and trip cancellation coverage amounts (5%). 

All premiums mentioned are based on a $3,500, 10-day trip from Florida to Costa Rica for two same-aged travelers. We gathered quotes for four different ages: 28, 40, 55, and 70.

Best Overall: USI Affinity

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Why We Chose It

With seven cancel for any reason plans available and the cheapest CFAR plan premiums, USI Affinity is our top choice for travelers.

Pros & Cons

Lowest premiums for CFAR policies

Offers seven CFAR policy options

No pet medical coverage

Kids aren’t covered for free

USI Affinity offered the most CFAR policy options—seven—out of the 18 cancel for any reason travel insurance companies we reviewed.

Additionally, USI Affinity offered the lowest CFAR premium of any company we researched: $121. The company’s highest plan premium was $200, which is also among the lowest rates we found during our research.

CFAR plans from USI Affinity include 75% reimbursement, with a maximum trip cancellation reimbursement of $150,000 for covered events and up to $250,000 in medical coverage per person, per trip. 

Plan Pricing

  • Lowest CFAR premium: $121
  • Highest CFAR premium: $200

Best Reimbursement Rate: Allianz Travel Insurance

Cancel for any reason travel insurance from Allianz will provide up to 80% reimbursement for non-refundable travel costs. 

Maximum reimbursement of 80%

Kids under 17 are covered for free

$200,000 limit for covered cancellations

Low coverage limit for travel delays

Limited coverage for medical expenses

No missed connections coverage

If you spend a lot of money on trips, a CFAR plan from Allianz can be a good choice.

Allianz offers up to 80% reimbursement for eligible travel expenses if you need to cancel for uncovered reasons, which was the highest rate of any of the insurers we analyzed. Additionally, Allianz’s  $200,000 trip cancellation coverage (for covered cancellations) was among the highest we found during research.

Although Allianz offers the most coverage for trip reimbursement, its CFAR plans have some limitations worth noting. For example, there’s no coverage for missed connections or pet medical expenses.

Allianz will only provide CFAR insurance if you insure the full cost of your trip within 14 days of making your first trip payment.

  • Lowest CFAR premium : $261
  • Highest CFAR premium : $315

Most Affordable Premiums for Upgraded Plans: Tin Leg

If you want a cancel for any reason travel insurance policy with the best features and the most coverage, Tin Leg is a great choice because it offers the lowest premiums for its upgraded plans. 

Lowest premium for upgraded plans

Up to $500,000 in medical coverage

Doesn’t offer multi-trip coverage

No annual plans

Out of the best CFAR companies on our list, Tin Leg has the lowest premiums for its upgraded CFAR plans. The highest plan premium from Tin Leg is just under $200. 

Another thing we like about Tin Leg is that it has the highest amount of coverage for medical expenses. The maximum amount of medical coverage is $500,000 per person, per trip. There were only six insurers we reviewed that offered that much coverage.

Despite the benefits of Tin Leg, this CFAR insurance provider also has some downsides. The plans don’t include pet medical coverage, and kids aren’t covered for free. 

Berkshire Hathaway offered a slightly lower premium than Tin Leg for its top-tier plan. However, the company’s overall score was below average and higher than just five of the other 17 companies. Therefore, we kept the insurer out of our rankings. 

  • Lowest CFAR premium: $145.55
  • Highest CFAR premium: $199.50

Best for Trip Interruption Reimbursement: HTH

HTH’s cancel for any reason travel insurance plan reimburses up to 200% of your trip interruption costs, which is the highest reimbursement limit out of the “best” companies we reviewed.

Highest trip interruption reimbursement limit

Plan includes pet medical coverage

Provides up to $500,000 in medical coverage

Only one CFAR plan available

Only reimburses $50,000 for covered cancellations

No multi-trip coverage

HTH only offers one CFAR plan, but it provides excellent coverage, including 200% reimbursement for your trip interruption costs (covered interruptions include 14 scenarios, including sickness and natural disasters). Additionally, the plan includes $500,000 in medical coverage per person, per trip, as well as pet medical expenses coverage. HTH’s CFAR plan provides a maximum reimbursement of 75% for prepaid travel expenses, which is the typical rate.

Thirteen of the 18 companies we analyzed offered a 75% CFAR reimbursement rate.

HTH will only reimburse a maximum of $50,000 in trip cancellation costs for covered events, which is the lowest coverage limit out of the best companies on our list. In addition, it doesn’t offer annual plans, and the one CFAR travel insurance plan available doesn’t cover multiple trips. Additionally, the premium for HTH’s CFAR plan was  $301.82, which was around $31 more than the average for top-tier plans and nearly $80 more than the average for low-tier plans.

  • Lowest CFAR premium : $301.82
  • Highest CFAR premium : $301.82

Best for Travel Delay Coverage: Trawick International

Trawick International’s cancel for any reason travel insurance plans provide $3,000 in travel delay coverage, which is the highest amount of delay coverage out of the companies on this list.

Highest amount of travel delay coverage

Five CFAR plan options

Affordable premiums

Plans don’t include pet medical coverage

No free coverage for kids

Free-look period is only 10 days

Trawick International offers the most travel delay coverage out of the 18 CFAR travel insurance companies we evaluated. Plans include a maximum of $3,000 in travel delay coverage in case you need to get a hotel or rent a car due to unexpected travel delays.

Trawick International has five CFAR plans, and the premiums are pretty affordable. The lowest plan premium is $143.14, which is one of the cheapest premiums out of the companies we reviewed. You can also get annual plans and plans with multi-trip coverage.

Keep in mind that Trawick’s free look period is only 10 days, which is shorter than the typical 15-day period other insurers offer.

  • Lowest CFAR premium: $143.14
  • Highest CFAR premium: $302.94

The Bottom Line 

Cancel for any reason travel insurance can be worth the added cost, especially if you travel often or take expensive trips. However, the best CFAR travel insurance company is different for everyone. For instance, if you want the cheapest plan, USI Affinity is a great choice. But if you’re looking for a plan with a high CFAR reimbursement rate, Allianz is the top choice. 

Frequently Asked Questions

What’s the Difference Between Trip Cancellation and Cancel for Any Reason?

Trip cancellation is a standard part of travel insurance that covers the cost of non-refundable travel if you have to cancel a trip for a specific reason, including illness, injury, or death. Cancel for any reason insurance is something you add to a policy to cover cancellations that don’t qualify for trip cancellation. For example, if you have to cancel a trip at the last second because your fear of flying overwhelms you a couple of days before your flight,  CFAR allows you to cancel, no questions asked. Another key difference is that trip cancellation insurance typically offers a maximum dollar amount your policy pays out, whereas CFAR reimbursements you a percentage of your non-refundable trip costs.

What Is Cancel for Any Reason Coverage?

Cancel for any reason coverage is a type of insurance coverage you can add to a travel insurance policy that will cover you for cancellation reasons that aren’t covered by your travel insurance. CFAR insurance reimburses you a percentage of your non-refundable travel costs, often 50% to 75%.

How Much Does Cancellation Insurance Cost?

Cancel for any reason insurance can cost you anywhere from 10% to 40% of your travel insurance premium. For example, during our research, we found adding CFAR to a Travel Guard policy that cost $169.29 would add an extra $38.08.

Can You Buy Cancel for Any Reason Insurance After 21 Days?

In most cases, travel insurance companies will require you to buy your CFAR insurance within 14 to 21 days of your first payment for the trip.


Narrowing down the best cancel for any reason travel insurance companies means analyzing aspects of travel insurance that are most important to travelers. 

With that in mind, we examined 18 top travel insurance companies across the following 16 categories:

  • CFAR reimbursement rate (20% of score) : Companies with higher reimbursement rates for CFAR coverage received the highest scores.
  • Premiums (17%) ; We analyzed the highest and lowest premiums offered by a company, weighting the two premiums equally. 
  • Policy types available (7.5%) : Having a choice of plans to pick from can ensure you aren’t paying for coverage you don’t need. Companies with more options scored higher.
  • Free look period length (5%) : A free-look period is an invaluable part of buying insurance. Companies with longer free-look periods received higher scores. 
  • Pre-existing condition coverage (5%) : Companies that offered medical coverage for pre-existing conditions scored higher than those that didn’t. 
  • Maximum coverage for emergency transportation (5%) : Evacuation out of a country for medical reasons can be costly, so we scored companies higher if they had higher emergency transportation limits. 
  • Maximum baggage coverage (5%) : Companies that offer higher coverage limits for lost and damaged baggage score higher. 
  • Maximum medical coverage (5%) : Medical coverage for injuries you sustain while traveling can offset potentially expensive hospital bills. 
  • Adventure sports coverage (5%) : Provides coverage if you participate in adventure sports during your trip. 
  • Sports and activity coverage (5%) : Because vacations typically include new activities or participation in sports, it can be helpful to have travel insurance that covers injuries you sustain during those activities. 
  • Maximum travel delay coverage (5%) : Travel delay coverage can help you cover the cost of lodging and food if you’re stranded due to, for example, a canceled flight or train ride. 
  • Maximum trip cancellation coverage (5%) : If you have to cancel a trip for covered reasons (CFAR insurance covers cancellations not otherwise covered by your insurance), a high coverage limit can help offset some or all of your non-refundable trip costs. 
  • AM Best rating (2.5%) : A high AM Best rating means a company is very likely to pay out a claim in the near future, so companies with higher ratings scored higher. 
  • Maximum trip interruption reimbursement rate (2.5%) : Companies that offered higher reimbursement amounts in the event of a trip interruption earned higher scores in this category. 
  • Multi-trip coverage (2.5%) : Avid travelers can benefit from multi-trip coverage, and may be able to save money by booking one insurance package as opposed to a separate policy for each trip. 
  • No extra charge for a child: (2.5%) : Companies that offered to include at least one child in their CFAR insurance policies received higher scores than those that didn’t. 

Read the original article on Investopedia .

Oscar Wong / Getty Images

  • What is travel insurance?
  • Average cost
  • When to buy travel insurance
  • Average cost by age
  • What does travel insurance cover?

How Much Does Travel Insurance Cost?

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

  • The average travel insurance premium this week is $280.25, about the same as last week.
  • For travel in the United States, the average premium is $96 to $397.
  • Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance .

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

travel cancellation insurance quote

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

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

**Enrollment required.

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Can You Buy Travel Insurance for Road Trips?

Carissa Rawson

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Meg Lee

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

travel cancellation insurance quote

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

Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

travel cancellation insurance quote

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

travel cancellation insurance quote

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

travel cancellation insurance quote

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

travel cancellation insurance quote

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• 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.

• Primary rental car coverage: Up to $75,000.

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

• Secondary rental car coverage: Up to $75,000.

• 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.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

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.

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

Please visit for more details.

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

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.

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.

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℠.

travel cancellation insurance quote


  1. Trip Cancellation Insurance: What You Need to Know (2023)

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  7. Trip Cancellation Insurance

    Call us at: 800-826-5248. Travel Guard Trip Cancellation Insurance has your back. Trips get canceled. That's when trip insurance can make a world of difference. With Travel Guard, you're prepared if you need to cancel for work or illness or weather or any other covered reason.

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    Learn more about trip cancellation insurance and get free trip cancellation insurance quotes online from top providers. 1-877-906-3950 or ; Not from ? Buy Travel Insurance. Single Trip Travel Insurance ... Travel insurance is designed to cover medical expenses and other financial losses while on vacation, but some policies might not provide for ...

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  11. Travel Insurance Quotes

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    Squaremouth helps travelers quote, compare, and buy travel insurance. We help every customer to find the best trip insurance for the lowest price. 1-800-240-0369 ... You may be eligible for coverage through your policy's Travel Delay or Trip Cancellation benefit depending on how soon you're able to be rebooked.

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    The price of trip cancellation insurance can vary based on the traveler's age, destination, length of trip, cost of trip and insurance company. Using the same $5,000, two-week trip to Italy as ...

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  16. AIG Travel Guard: Travel Insurance Solutions

    If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc . (Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: 800-927-HELP. This is only a brief description of ...

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    A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. Whether you're looking for trip cancellation coverage to reimburse you for the costs of hotels, flights and other pre-paid and non-refundable trip expenses or if you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel ...

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    The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost. You can get a free quote for your personalized travel insurance plan or call our representatives at 800-826-5248.

  20. Travel Insurance

    Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason. Travel delays leave you stranded. Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

  21. AAA Travel Insurance

    Purchase Travel Insurance. Find Agent Call 877.721.3977. Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Refer to your plan for restrictions and full details. Insurance coverage is underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52. ...

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  23. The Best Trip Cancellation Insurance for Canadians

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  25. Travel Insurance Cost: Average Travel Insurance Prices in 2024

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  26. Does Auto Travel Insurance Work for Road Trips?

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