travel insurance for se asia

Asia Travel Insurance: how to choose the best coverage

Travel insurance for asia.

Asia, the largest and most populous continent on Earth, is a kaleidoscope of cultures, landscapes, and experiences. From the bustling streets of Tokyo to the serene backwaters of Kerala, Asia is a melting pot of ancient traditions, modern marvels, and natural wonders.  

While Asia offers incredible experiences, it also presents unique challenges for travelers. As you embark on your journey through this diverse continent, it's essential to arm yourself with the right tools for a worry-free experience. Here's everything you need to know about travel insurance for Asia so you can enjoy your adventures with confidence.  

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• What should your Travel insurance cover for a trip to Asia? 

How Does Travel Insurance for Asia Work?

• Do I need Travel Insurance for Asia? 

How Much Does Travel Insurance Cost for Asia?

Our suggested axa travel protection plan, what types of medical coverage does axa travel protection plans offer, are there any covid-19 restrictions for travelers to asia.

• Traveling with pre-existing Medical Conditions?   

What should your travel insurance cover for a trip to Asia?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.

AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders.   

In just a few seconds, you can get a free quote and purchase the best travel insurance for Asia.

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You're enjoying a relaxing vacation in Bali when a natural disaster, such as a volcanic eruption or earthquake, occurs, prompting local authorities to evacuate the area. With travel insurance, you can receive assistance for trip interruption and emergency evacuation and repatriation, helping you navigate the situation and arrange alternative travel plans or return home safely.

No matter how dire the situation becomes, AXA is there to help you create a strategic plan of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver) : Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.  

Do I Need Travel Insurance for Asia?

While travel insurance is not strictly required for visiting Asia, it is strongly recommended due to the unique experiences and challenges the continent presents. Asia is vast and diverse, with varying levels of healthcare standards, transportation infrastructure, and environmental conditions across different countries.

Here are several reasons why we recommend travel insurance for vacations to Asia:  

1. Emergency Medical Expenses: Asia's diverse landscapes and cultural attractions often involve adventurous activities such as trekking, exploring remote regions, or trying local cuisine. In the event of an unexpected illness or injury during these activities, having coverage for emergency medical expenses allows travelers to access quality healthcare without worrying about expensive medical bills.

2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

3. Emergency Evacuation & Repatriation: Asia is prone to natural disasters such as earthquakes, typhoons, and tsunamis, especially in regions like Southeast Asia and the Pacific Islands. In case of a serious medical emergency or natural disaster, having provisions for emergency evacuation or repatriation allows travelers to be safely transported to the nearest appropriate medical facility or evacuated from the affected area to receive necessary medical care.  

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to the Asia will be offered three tiers of insurance: Silver,   Gold  and  Platinum . Each provide varying levels of coverage to cater to individual's preferences and travel needs.  

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that The Caribbean hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for The Caribbean’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring The Caribbean's stunning landscapes in a rental car.

 Loss Skier Days and Loss Golf Days, exclusive to Platinum plan policyholders, offer reimbursement for pre-paid ski tickets or golf arrangements that cannot be used due to specified closures in Asia. Whether facing slope closures in destinations like Japan's Hokkaido or golf course shutdowns in countries like South Korea or Thailand, these benefits allow a smoother travel experience in Asia.

AXA covers three types of medical expenses:

Emergency medical

Emergency evacuation & repatriation

Non-medical emergency evacuation & repatriation

Emergency medical: This coverage includes unexpected incidents like broken bones, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Offers assistance for evacuating from a destination swiftly in situations not related to health issues. Examples include natural disasters or civil unrest.

Although many Asian countries have eased Covid-19 entry requirements, mainland China, Myanmar, and Iran continue to maintain them. Moreover, certain nations that have relaxed their measures, like the Philippines, still mandate travelers to submit a health declaration form upon arrival. Therefore, thorough research into the entry requirements of your destination country is crucial.  

Traveling with preexisting Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold Plan , and  Platinum Plans offer coverage for preexisting medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.  

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Asia?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Asia?

No, travel insurance is not mandated for Americans visiting Asia. However, it is strongly recommended due to the unique challenges and diverse environments found across the continent.  

4.What is needed to visit Asia from the USA?

US citizens visiting Asia typically need a valid passport, may require a visa depending on the destination, and should check specific health requirements such as vaccinations and COVID-19 tests. It's important to have a detailed travel itinerary, including flight and accommodation bookings, and consider purchasing travel insurance for medical emergencies and trip protection.  

5.What happens if a tourist gets sick in Asia?

If you become sick in Asia, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442 Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.  

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel insurance southeast asia.

Introduction

Southeast Asia is a popular destination for travelers around the world. With its vibrant culture, beautiful beaches, and affordable prices, it’s no wonder that the region is a favorite among backpackers and luxury travelers alike. However, traveling to Southeast Asia can also come with a certain level of risk. From illnesses to natural disasters, it’s important to be prepared for any unforeseen circumstances. That’s where travel insurance comes in.

What is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for unexpected expenses that may occur during your travels. This can include medical emergencies, trip cancellations, lost or stolen luggage, and more. Travel insurance can give you peace of mind knowing that you’ll be protected in case something goes wrong on your trip.

Why You Need Travel Insurance in Southeast Asia

While Southeast Asia is generally a safe place to travel, there are certain risks that come with exploring the region. Here are some reasons why you should consider getting travel insurance for your trip:

Types of Travel Insurance

There are several types of travel insurance policies available, depending on your needs:

Medical Coverage

Medical coverage provides coverage for medical emergencies, such as illnesses or injuries. This type of travel insurance is particularly important if you’re traveling to a country with a high risk of diseases, such as malaria or dengue fever.

Trip Cancellation Coverage

Trip cancellation coverage provides reimbursement for prepaid, non-refundable expenses, such as flights and hotels, in case your trip is cancelled or interrupted due to unforeseen circumstances, such as a natural disaster or political unrest.

Baggage Coverage

Baggage coverage provides reimbursement for lost or stolen luggage, as well as any personal items that may have been lost or damaged during your trip.

How to Choose the Right Travel Insurance Policy

When choosing a travel insurance policy for your trip to Southeast Asia, there are several factors to consider:

Coverage Limits

Make sure that the policy you choose provides adequate coverage for your needs. For example, if you’re planning on participating in adventure activities, such as scuba diving or rock climbing, make sure your policy covers these activities.

Deductibles

The deductible is the amount you’ll need to pay out of pocket before the insurance coverage kicks in. Make sure that the deductible is affordable for you.

Read the policy carefully to understand what is not covered. For example, some policies may not cover pre-existing medical conditions or certain adventure activities.

Travel insurance is an important investment for any trip, particularly when traveling to Southeast Asia. It can provide peace of mind knowing that you’ll be covered in case of any unforeseen circumstances. When choosing a policy, make sure to read the fine print and choose one that provides adequate coverage for your needs.

1. Is travel insurance mandatory for Southeast Asia?

No, travel insurance is not mandatory for traveling to Southeast Asia. However, it is highly recommended to protect yourself in case of any unforeseen circumstances.

2. How much does travel insurance for Southeast Asia cost?

The cost of travel insurance depends on several factors, such as the length of your trip, your age, and the level of coverage you choose. On average, a basic travel insurance policy can cost around $50-$100 for a two-week trip to Southeast Asia.

3. Can I purchase travel insurance after I’ve already started my trip?

No, you cannot purchase travel insurance after you’ve already started your trip. It’s important to purchase travel insurance before your trip begins to ensure that you’re covered from the start.

4. Does travel insurance cover adventure activities in Southeast Asia?

It depends on the policy. Some policies may exclude coverage for certain adventure activities, such as scuba diving or rock climbing. Make sure to read the policy carefully and choose one that covers the activities you plan on participating in.

5. What should I do if I need to make a claim with my travel insurance?

If you need to make a claim with your travel insurance, contact the insurance company as soon as possible. They will provide instructions on how to submit a claim and what documentation is required.

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Healthcare has evolved as the most vital aspect in the present situation of Covid-19 pandemic where having an effective coverage for coronavirus is essential for all international travelers. At American Visitor Insurance, we aim to provide travelers with the most suitable Covid travel insurance plan to ease the financial risks of international travel with insurance comparison tool .

Based on the traveler’s requirement and with information of the traveler like travelers age, duration of travel, the maximum coverage required, deductible and the need of coverage our comparison function will show the available travel insurance plans. The search can be then tapered down to the most specific plans as per your requirements with the coverage for Covid illness which are competitive and affordable plans.

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• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3,000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Travel insurance for American citizens and US Residents traveling outside USA
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Covid Quarantine insurance for US citizens

Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

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• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
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• Available from 5 days to 364 days
• Offers maximum coverage up to $5,000,000
• Travel Medical Choice insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses
• Offers coverage outside the US
• Deductible options from $0 to $1,000
• Policy Maximum from $50,000 to $150,000
• Offers emergency medical evacuation coverage up to $500,000
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

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• Ideal for US expatriates and for those global citizens living and working outside their home country.
• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

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• Trip Cancellation: Up to 100% of insured trip cost
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• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• It covers Trip Cancellation coverage from $150 to $10,000.
• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.
• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max
• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S. residents travelling outside their home country
• Trip Cancellation: 100% of trip cost up to $100,000

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• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

 US seniors traveler insurance, Medicare supplement international travel insurance

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• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip
• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

 Annual travel insurance, Yearly travel insurance

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• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip
• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

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South East Asia healthcare for tourists - FAQ's

Does south east asia travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to South east Asian countries that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

What is the best health insurance for visitors to USA? What is the best travel insurance for USA? What is the best visitor insurance USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

How to buy travel insurance? How to find the best international travel health insurance ?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ...

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

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Most countries have opened their borders now for international tourism. Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants.

The Covid situation is made even more complicated with influenza and the respiratory syncytial virus (RSV) which is also spreading across the globe. Though there is a risk with the new variants, authorities have relaxed their strict controls thanks to improved vaccination coverage.

However, while Covid appears to be less virulent and no longer as dangerous thanks to a large percentage of the population having vaccinations and booster shots, Covid

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Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance . The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

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International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus , Patriot Platinum insurance , Visitors Protect insurance and Visitors Care insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

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INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID-19.

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Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

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• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Available for US citizens visiting USA
• Visitors Protect Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Atlas America Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
• Diplomat America Covid insurance offers coverage for coronavirus sickness
• Covers acute onset of pre-existing conditions up to policy maximum for age up to 69 years.
• It offers coverage for visitors up to 89 years.
• Covers Covid insurance offers coverage for coronavirus sickness
• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• INF Elite Covid19 insurance offers coverage for coronavirus.
• Treats Coronavirus/covid19 as a new sickness & covered by the plan
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• Comprehensive plan with full pre existing condition coverage which is unique.
• Covers 90% of eligible medical expenses.
• There is a minimum purchase of 90 days required to buy this plan
• Covers Preventive & maintenance care and coverage for full body physicals.
• Coverage for TDAP, Flu, etc Vaccines
• INF Traveler USA 90 covers 90% of elgibile medical expenses
• Minimum purchase of 30 days is required for this plan.
• This is a comprehensive plan too but does not cover pre existing condition
• INF Traveler USA Covid insurance offers coverage for coronavirus illness.
• This plan is available for Non-US Citizens. Anyone visiting USA, Canada and Mexico can enroll in this plan.
• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
• Plan can be renewed up to 2 year.
• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• Covers acute onset of pre-existing conditions up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
• INF Premier Covid insurance covers coronavirus illness.
• Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
• Renewable up to 364 days
• INF Standard Covid insurance covers Coronavirus illness.
• This is a fixed plan and is available for both US and Non US citizens visiting the US.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.
• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide
• Covers expenses for treatment of acute onset of pre-existing conditions
• For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
• For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $1,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Acute onset of pre-existing conditions are covered up to $25k for age under 69 years and a coverage of $2,500 for age of 70-79.
• This is a comprehensive plan with excellent coverage.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
• This plan need to be purchased for a minimum of 3 months.
• This is a comprehensive plan with full pre existing condition coverage which is unique.
• Pre-existing complications from covid-19 covered
• Elite 90 plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. Coverage for TDAP, Flu, etc Vaccines.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.
• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• Travel Medical Basic offers acute onset of pre-existing conditions up to $25k for age under 69 years and a coverage of $2,500 for age of 70-79.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• Visitors Protect plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan and is the plan with excellent coverage.
• This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
• This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
• Pre-Existing complications from Covid-19 covered.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Covid-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing.
• Covers 90% of elgibile medical expenses
• This plan covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
• Minimum purchase of 30 days is required for this plan
• This is a comprehensive plan too but does not cover pre existing condition.
• This is another comprehensive plan from INF.
• This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.

Older traveler medical insurance for above 70 years

• Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
• Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• In the $50,000 range there are many fixed benefit and comprehensive plan options available
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Travel Medical Choice Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Coverage for TDAP, Flu, etc Vaccines.
• INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.

Senior Citizen travel insurance for above 80 years

• The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years.
• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• It is available for travelers of ages 70 to 89 years
• INF Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

Us immigrant health insurance plans.

Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

Travel medical insurance Southeast Asia, Travel insurance Southeast Asia from USA links

Travel Insurance for Southeast Asia FAQ

Southeast Asia Travel Insurance Blog

Travel Insurance to Southeast Asia Forum

Travel Insurance Claims in Southeast Asia

Us medical insurance for visitors to global destinations, us health insurance for travelers to usa.

• International travel insurance for USA
• US citizens residing outside US and visiting the US.
• USA Green Card holders travel insurance who travel overseas often
• New US immigrant insurance
• International USA travel health insurance for tourists visiting the USA
• Annual travel insurance for US business travelers
• Expatriate health insurance for expats working and living in the United States
• US non-immigrant work visa health insurance for H1B visa holders and H4 visa holders

• US international student health insurance for foreign students in USA (F1 visa / F2 visa holders)
• J visa insurance for US Exchange scholars and their dependents (J1 visa insurance and J2 visa insurance)
• Snowbird travel insurance for USA travelers from Canada and the UK (for warmer USA weather during winter)

US health insurance for tourists to Canada

• International travel insurance for Canada
• International travel insurance for tourists visiting Canada
• Annual travel insurance for US corporate travelers
• US international student health insurance
• Expatriate travel health insurance Expat insurance for US and other expatriates in Canada

US health insurance for travelers to Europe

• International travel insurance for Europe
• Schengen visa travel insurance as required by Schengen consulates
• Travel insurance coverage to insure trip expenses
• Long stay visa travel health insurance for Europe
• Expat insurance for US and other international expatriates in Europe

US health insurance for tourists to the Caribbean

• Travel insurance - Caribbean , Asia , Australia , Africa and South America
• International travel insurance for US tourists and vacationers
• US international student health insurance for US students abroad
• Annual travel insurance for business and corporate travelers
• US Expatriate insurance for expatriates living and working outside their home country

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

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Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

•  Call: (877)-340-7910

The best travel insurance for Southeast Asia: 5% discount

• Sofía Pozuelo
• UPDATED: 02/03/2019

A few years ago, I left home to travel through Southeast Asia for 4 months. If you are visiting this part of the world, whether it is 4 months or a week, you need to have travel insurance for Southeast Asia. Purchasing travel insurance is one of the most important steps when planning a trip on your own, since there is always a possibility of running into issues or falling ill, whether it be something that affects your health or your pockets due to transport delays, loss of luggage, etc.

On my previous trips to Asia, I only had to use travel insurance on one occasion. However, in those 4 months traveling around Southeast Asia, I had to use it a couple of times. The first time I had to use travel insurance was in Bali. I got a bacteria from contaminated water, food or who knows what. The second time I had to make an insurance claim was in Myanmar, due to food poisoning.

The chances of something, similar to what happened to me, happening to you is quite high if you spend several months traveling in Southeast Asia. It is also very possible that nothing will happen to you, that's what we should all want. Other common problems that you may run into in Southeast Asia are motorcycle accidents, infections, flight cancellations and delays, etc.

I don't want to scare you! If you are careful and luck is on your side, nothing will happen to you. But sometimes these things are out of our control, for this reason it is so important to purchase travel insurance for Southeast Asia. It is important to purchase a policy for any trip in which you do not have medical coverage, but in this article we are going to focus on Southeast Asia.

Table of contents

1. s afety in southeast asia.

Traveling to Southeast Asia is generally very safe. However, you should always follow basic precautionary safety measures.

If you are going to drive, be very careful as driving in Southeast Asia is very different. Very few drivers follow traffic laws. If you are going to ride a motorcycle, wear a helmet. You’ll see many foreigners and locals not wearing a helmet, please, put it on.

Lookout for scams, something quite common. I recommend reading on the internet about scams in the country you are going to visit. My advice is that if someone comes to offer you a service, always say no. If you want something, you will find it at licensed places.

Always keep an eye on your belongings. There have been cases of theft and robberies in Southeast Asia. A very common form of theft is locals driving by you and snatching valuable items such as cellphones, cameras, purses, etc. Thus it is very important to always keep valuables stored safely. At night, be sure to lock you home’s doors. If you are going to stay at a hostel, always leave valuables in a locker.

In your embassy’s website you can view a country’s safety details.

Necessary vaccines for Southeast Asia

If you are planning on visiting Southeast Asia and you’ve visited a country where yellow fever is very prevalent that year, it is necessary to bring the yellow fever vaccination certificate. You can view which countries are classified as “areas of risk” for yellow fever by clicking on this link . This disease isn’t present in Southeast Asia.

Other than the requirement mentioned above, there aren’t any mandatory vaccines to travel to Southeast Asia. The CDC does recommend a Hepatitis A and Typhoid vaccines. Refer to a health professionals if you have questions or concerns about vaccination prior to traveling.

Certain countries in Southeast Asia are classified as “a risk” of contracting malaria. To prevent malaria, it is important to use bug spray. Preventive medication for malaria can also be taken. Even so, the risk of contracting malaria does not disappear completely.

2. Is having travel insurance mandatory to travel to Southeast Asia?

No, purchasing travel insurance for Southeast Asia is not mandatory. However, just because something isn’t mandatory doesn’t mean it’s not highly recommended or necessary. We all have health insurance in our home country, it is equally as important being covered abroad as well. Purchasing travel insurance is an investment in your health and safety, two things that we should not spare any expense on.

As I mentioned prior, you never know what can happen to you. It is better to be safe than sorry. The same way you can have an accident walking around your neighborhood, you can have it during your trip. The difference is that abroad we are much more helpless and vulnerable and, uninsured if you don’t purchase travel insurance. If you have need medical attention and you do not have travel insurance, you will have to bear all the costs. Hopefully the figure on the bill won’t be too high. But if something more serious happens to you, it will have at least 3 figures, although it can perfectly have 4 or even 5, if something very serious happens to you.

Traveling to Southeast Asia with travel insurance is not mandatory, but it is highly recommended. And trust me, the best thing about purchasing travel insurance for Southeast Asia is, not having to use it, I say this from experience.

3. Best travel insurance for Southeast Asia?

I hope that by now you understand why you need travel insurance for Southeast Asia. Well, now you are probably wondering: “which travel insurance should I purchase?”.

After having traveled to Asia with different travel insurances and based on my experience, I always recommend the best and most comprehensive travel insurance. I am talking about the Heymondo travel insurance . I’ve traveled for 4 months in Southeast Asia and my experience with this company have all been great.

Apart from having great experiences with this company, I think it is the best travel insurance for Southeast Asia after to other companies on the market. Heymondo offers the best value-for-money.

In order to compare these travel insurance policies, I got a  quote  from each  travel insurance for a 2-week trip to the Asia . I have compared the most affordable travel insurance policy for each company. This is the result:

As you can see in the table above,  Heymondo travel insurance  is the second most affordable travel insurance; however, Heymondo offers the best value-for-money. The most affordable travel insurance is Safety Wings but it has a $250 deductible. Heymondo offers a more comprehensive coverage without a deductible. In addition, despite being the second cheapest  travel insurance , it has equal or better coverage than other insurances.

Another reason why I recommend Heymondo travel insurance is because you do not have to pay anything out of pocket. If something happens to you and you use your travel insurance policy, you will not have to pay anything in advance since the insurance pays directly to the health center. Later I’ll explain how it works.

Lastly, something that makes Heymondo stand out from the rest is that it has 24-hour medical-care chat via WhatsApp. If something that is not serious happens to you, you can talk to a doctor (they also have pediatricians in case you are traveling with children) by Whatsapp through a number that they provide you. It’s great if you suddenly have any symptoms and want to make an appointment.

In addition, it has an app where you can call the insurance company, which means you won’t have to make a standard call, which can cause problems and costs money.

4. How much does travel insurance for Southeast Asia cost?

Heymondo travel insurance offers 3 types of policies: Heymondo Top and Heymondo Premium and Heymondo Medical. Each type of insurance has a different cost and coverage.

These would be the prices and coverage of a 2-week travel insurance for Southeast Asia from Heymondo .

– Heymondo Top: $76.63 (emergency medical coverage: $250,000 USD) – Heymondo Premium: $97.96 (emergency medical coverage: $500,000 USD) – Heymondo Medical: $73.57 (emergency medical coverage: $500,000 USD)

If you are looking for an affordable travel insurance policy, I recommend purchasing “Heymondo Top” insurance, as it is the most affordable plan relative to the coverage.

If you are going to engage in adventure sports or want coverage for your tech equipment, you can add this coverage to both Heymondo Top and Premium; however, if you are going on a cruise, you must purchase Heymondo Premium insurance policy as it’s the only policy that offer such add-on.

Heymondo travel insurance discounts

For being a reader of this blog, you can take advantage of a 5% discount on your next Heymondo travel insurance policy. Click on this link and a new window will pop up with the discount applied.

5. Purchasing a Heymondo travel insurance for Southeast Asia

Click on this link and a new window will pop up with a 5% discount applied. Once you arrive at the Heymondo website, follow the steps below.

1. Click on “Start Quote. The first step is to choose the type of travel insurance you need: insurance for a single trip or a multiple-trip travel insurance. If you are traveling for less than 3 months in Southeast Asia, click on “single trip” and then on the green arrow.

2. You’ll be taken to a new window where you’ll be prompted to insert your country of residence and your destination.

4. Insert the number of travelers you wish to purchase coverage and your email address. Then click on the green arrow.

5. You’ll be taken to a window displaying all 3 types of Heymondo travel insurance policies and their rates. You can scroll down and open the tabs to review the different coverage options. Choose the plan that suit you and click “buy”. The following page will ask for personal and payment information, fill every space, accept the terms and conditions and click on “confirm purchase”

How to file a claim if somethings happens to you in Southeast Asia?

If you are traveling through Southeast Asia and you need medical attentions, start by contacting Heymondo travel insurance as soon as possible. You’ll be able to find the companies phone number in the confirmation email that will be sent after your purchase.

Have your policy number in hand while talking to a customer service representative. They’ll ask you to tell them what has happened to you and your exact location. You’ll be referred to the closest health facility. Once you get to the hospital, you won’t be asked for payment because the insurance company takes care of payment and paperwork. It’s important to have a copy of your passport in case the hospital requests identification. You can have a picture of your passport on your phone as well.

My experience with Heymondo travel insurance

As I mentioned before, during my 4-month trip through Southeast Asia, I used Heymondo travel insurance on 2 separate occasions.

The first time was in Bali. I had bad diarrhea several days in a row. I called the insurance, told them what was wrong and they sent me to a clinic very close to my hotel. When I arrived, they asked me for a copy of my passport and took care of me right away. The clinic looked very clean and modern, and the workers spoke very good English.

I had to take a stool test (sorry the information haha). That same night they sent me the results. I had bacteria… I went back to the doctor to pick up my meds which I had to take for 10 days to get better. Oh, and all this without paying a dime.

I always recommend calling the insurance company before going to a health center if your condition isn’t serious. In this way, you will not have to pay any money up front and also the insurance will always send you to a quality health center.

The second time I had to use my Heymondo travel insurance for Southeast Asia was in Myanmar. This time I had food poisoning. For several reasons, I went directly to a hospital that was next to my hotel. They sent me several medications and it was gone the next day. This time, I had to send several documents to the insurance to get my money back.

Don’t forget to purchase your travel insurance for Southeast Asia with a 5% discount through this link .

I hope that this post about the best travel insurance for Southeast Asia has been very useful when planning your trip. If you have any questions, leave a comment down below or contact me by email. Until next time, travelers!

• PLAN A TRIP STEP BY STEP

↠ Book free tours and guided visits on Civitatis or GetYourGuide . I always use these platforms to check what organized activities there are at my destination.

↠ To pay with card in foreign currency or withdraw money from ATMs, I always use this card (there are free and paid plans). It works the best!

↠ Traveling with travel insurance to a destination where you don’t have healthcare coverage is a must. Get your insurance 5% cheaper with this link .

↠ If you want to have cellphone data at your destination from the moment you land and don’t want to waste time, there is nothing like this eSIM . Use the code “comeamaviaja” for a 5% discount.

↠ Check out Booking’s offers , a platform I always use, as I always find very good options thanks to its search engine with filters.

↠ For destinations where I need to rent a car, I always check Discover Cars and Auto Europe search engines. I recommend them!

↠ If you still need to buy flights for your trip, there is no better search engine than Skyscanner (although I always recommend booking the flight on the company’s website).

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Asia travel insurance: how to choose the best coverage

Travel insurance for asia.

Asia is known for its incredible diversity and is home to more than half the world’s population. From culture and history to religion to terrain, the world’s largest continent boasts unparalleled variety in every aspect, making it a popular destination for millions of tourists annually. Whether you’re looking to spend weeks in the mountains surrounded by nature, wish to experience living in a secluded village, or enjoy the best of city life, Asia has it all. This region's fantastic variety of food works like the cherry on top. While this region welcomes people from all across the world, there are specific requirements that tourists have to fulfill to visit and explore it.  

Discover our travel insurance for Asia.

India Travel Insurance | Japan Travel Insurance | Thailand Travel Insurance | Vietnam Travel Insurance  

Do You Need Travel Insurance for Asia?

It depends on the country you’re traveling to. Considering there are 48 countries in Asia, no single rule applies across the region. Some Asian countries require all foreign tourists to carry travel insurance, while some only require tourists from specific countries to have travel insurance, allowing others to visit without it. Moreover, the coverage requirement for each country that mandates travel insurance may also vary. Several countries that previously allowed international travelers to visit and explore their lands without insurance have made it necessary post-COVID.  

Which Asian Countries Require Travel Insurance?

To facilitate your travel planning for Asia, here’s the list of countries that require tourists to carry insurance:  

Countries with Fluid Insurance Coverage Rules for Travelers

Indonesia made it mandatory for all international travelers to carry travel insurance with COVID-19 coverage when it opened up for tourists post-pandemic. However, it is no longer a legal requirement. You have to show your COVID-19 vaccination proof.

Philippines

Philippine laws require unvaccinated tourists to get travel insurance with COVID-19 treatment coverage for a minimum of USD 35,000 from a reputable insurance company. The policy should remain valid for their entire duration of stay. However, fully vaccinated travelers are exempted from this condition and can travel to the Philippines without insurance. The term ‘fully vaccinated’ here refers to two standard doses and a booster for adults over 18 years and two classic shots for tourists aged 17 and under.  

Russia requires all tourists who require a visa to enter the country to get travel insurance. It’s part of the visa requirements. However, tourists from countries with visa-free access to Russia can travel without insurance. American citizens (as anyone can guess) belong to the first category, which means they need travel insurance for Russia.  

You’re only required to have travel health insurance for visiting Thailand when your next destination requires you to take a COVID-19 test before leaving Thailand.  

Travel insurance is necessary for obtaining a Turkey visa. So, everyone needing a visa to travel to Turkey must buy a travel insurance policy. There is no minimum amount limit for coverage; however, it should be for the entire trip duration.  

Asian Countries That Require All Tourists to Carry Travel Insurance

• Israel – travel medical insurance with COVID-19 coverage
• Jordan – travel medical insurance
• Nepal – travel medical insurance with emergency assistance and medical repatriation coverage if tested positive for COVID-19
• Oman – travel– travel medical insurance
• Saudi Arabia – travel medical insurance with full coverage for COVID-19 treatment.
• Singapore – travel insurance with COVID-19 treatment and hospitalization coverage for a minimum of USD30,000.
• Sri Lanka – requires COVID insurance, regardless of travelers’ vaccination status.
• UAE – The insurance must cover international healthcare for the entire trip duration.
• Vietnam – Travel or medical insurance with COVID-19 treatment coverage for a minimum of USD 10,000.
• Laos – travel medical insurance with a minimum coverage of USD 50,000
• Iran – requires all foreign visitors to carry travel insurance
• Qatar – All international tourists must have travel insurance

Apart from these, no other Asian country mandates travel insurance.  

Travel Insurance is Always Encouraged 

Though you are legally allowed to visit most Asian countries without travel insurance, it is still highly encouraged to carry one for several reasons. Traveling is never 100% risk-free. No matter how well-planned your trip is or how safe and secure the country or city you’re visiting is, there is always a chance that things might go wrong. You may fall sick, have an accident, miss a flight, or become a victim of crime. Insurance can come in handy in such unfortunate situations and save you from getting into any financial trouble in a foreign country.

Why Choose AXA Travel Insurance for Asia?

AXA is consistently ranked as the most reliable insurance company for a decade. There are several reasons why travelers trust us with their travel insurance plans. Here are some of the major ones:  

We Offer the Most Flexible Travel Coverage

Unlike many other travel policies that just cover emergency medical expenses,  for a limited amount, AXA travel insurance plans protect you against what could potentially go wrong on your foreign trip. Our travel insurance covers: ✔ Emergency medical expenses due to an illness or accident ✔ Emergency medical repatriation ✔ Reimbursement of Non-refundable costs in case of trip interruption ✔ Baggage loss benefits AXA travel insurance also offers 75% coverage for all prepaid, non-refundable trip cost amounts in the event of trip cancellation for any reason and 100% coverage for trip cancelation due to illness, or many other unforeseen situations.  

We Have Multiple Plan Options

Considering that not all travelers’ insurance needs are the same, we offer three different types of travel insurance policies: ✔ Silver – the most basic and cost-effective plan ✔ Gold – offers the same benefits as the silver plan but at a higher coverage amount ✔ Platinum – maximum benefits, highest coverage. It also includes coverage for rental sports equipment, lost ski days, and lost golf rounds.  

We Also Offer Travel Assistance Services

Facing an unforeseen situation in a foreign country can overwhelm many people. Considering this, we also offer travel assistance services to our travel insurance policyholders to ensure they have the necessary information, support, and guidance they may need to deal with the situation 24 hours a day and 7 days a week.  

Talk to Our Licensed Representatives to Find the Best Policy for Your Trip to Asia

With our travel insurance we can take great care of you too

The Best Travel Insurance Companies for Backpackers

I’m a backpacker at heart. Even after traveling the world for over a decade , I still love to travel cheap, prioritizing experiences over fancy accommodation and transportation. I still love staying at hostels , meeting locals, and sampling as many local delicacies as I can.

Contrary to popular belief, being a backpacker is not about pinching every penny — it’s about finding value. If you want to have a genuine and authentic trip without breaking the bank, then you need to spend your money wisely.

And when it comes to backpacking around the world, one of the wisest choices you can make is to purchase travel insurance .

I know, travel insurance seems like just another expense that will chip away at your budget. I used to think that too.

But it also has the potential to save you thousands of dollars should something go wrong on your trip.

And after traveling around the world for over twelve years, I can confidently tell you this: things will go wrong.

To help you stay safe on your next trip, here is everything you need to know about buying insurance as a backpacker.

Table of Contents

Why Do Backpackers Need Insurance?

What does travel insurance cover, what does travel insurance not cover, the best backpacker insurance companies.

The reason you need to buy travel insurance is because accidents happen. Regardless of whether you’re at home or abroad, things go wrong. At home, you likely have access to medical care and reliable medical facilities.

On the road, that isn’t always the case.

While serious injuries are rare, they do happen. And it’s always better to be safe than sorry. But insurance isn’t just for medical emergencies. It also covers a lot of incidents that are much more common than you think!

I’ve had my bags stolen, I’ve needed to go to the hospital overseas, and I was even stabbed while traveling in South America .

I didn’t plan for any of these things to happen. But when they did, I was glad I had insurance to help me get reimbursed as well as to help me navigate the confusion that comes with having an emergency abroad.

While it’s unpleasant to spend time dwelling on these things, the truth is, you need to be prepared for the worst. Hopefully, you’ll never need to use your insurance plan, but if you need to, you want to make sure you have the coverage you need.

Here’s a quick overview of what you can expect your backpacker insurance to cover:

• Coverage for most countries in the world
• Medical emergencies (surgery hospitalization fees, medical evacuation to the nearest hospital)
• Flight delays and cancellations
• Trip cancellations (due to injury or a death in the family)
• Emergency evacuation (due to injury or natural disaster)
• Dental emergencies
• Lost or stolen baggage
• Death overseas

I know, as a backpacker you like to keep costs low. Insurance isn’t free, after all, which makes it seem like a burdensome and unnecessary expense.

But it’s much better to pay a few bucks a day than risk losing your life savings should an emergency occur while you don’t have coverage.

While most travel emergencies and injuries are covered by travel insurance, it’s important to know what is not covered by your plan. Knowledge is power, after all.

Most backpacker insurance policies do not cover:

• Accidents sustained while participating in extreme adventure activities (which often include hang-gliding, paragliding, or bungee jumping)
• Alcohol- and drug-related incidents
• Carelessness or negligence (such as if your bag gets stolen after you left it unattended)
• Pre-existing conditions or general check-ups
• Stolen cash
• If civil unrest makes your destination unsafe but your government hasn’t called for an evacuation (unless you have more advanced coverage from a company like Medjet )
• Changing your mind about your trip or unfriending/breaking up with your travel partner will disqualify you from trip-cancellation coverage
• If your visa to a destination is refused you won’t be reimbursed if you decide to cancel your trip

There’s only two companies worth using as a backpacker.

They are the best choice for long-term travelers as you can renew your plan while abroad and their $250 USD deductible keeps your monthly fee low. While their coverage isn’t as comprehensive as other companies, it covers the most important stuff, making them a good choice for travelers on a tight budget.

Here’s a quick overview of SafetyWing :

• Super affordable plans (with a deductible for US residents)
• Can purchase and renew plans while abroad
• Claims can be filed online
• $250,000 USD in emergency medical coverage
• Friendly and responsive customer service
• After being abroad for 90 days, you keep your medical coverage for 30 days in your home country (15 days for US residents)
• Best for digital nomads and frugal travelers

Insure My Trip also provides comparisons from insurance companies that cover older travelers (many travel insurance companies won’t cover travelers over 65), making them the go-to company for retirees and other senior adventurers.

Here’s a quick overview of Insure My Trip :

• Guaranteed low prices
• Coverage for senior travelers over 65
• “Anytime Advocates” ask the insurer to give your claim a second look if you think it was unfairly denied
• Compares 20 different companies to ensure you get the best plan
• Reviews of each policy so you can see what other travelers are saying

The huge benefit of using Insure My Trip is that they guarantee you won’t find the same policy elsewhere for less money! Click here to get a quote from Insure My Trip.  

Here’s a look at World Nomads at a glance:

• Tiers for basic and premium coverage
• Delay and cancelation coverage
• Can submit a claim after your trip ends
• Offers some COVID coverage
• Everything can be done via the website
• Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel

World Nomads is more expensive than SafetyWing (roughly 3x the price) but they also cover more activities and include more coverage for things like cancelations and delays. In short, they’re best for adventurous travelers or travelers who want more more coverage and have the money to spend.

I never leave home without travel insurance. I’ve experienced first-hand how helpful it can be. It’s saved me thousands of dollars over the years — as well as countless headaches too.

Being a backpacker is all about having amazing, memorable travel experiences all without breaking the bank. And there’s no better way to insulate yourself from expensive (and unnecessary) costs than by buying travel insurance (Remember that Safety Wing is our top pick!)

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Luma Asia Pass

Travel Insurance for Asia

LUMA ASIA PASS

Your travel insurance to asia.

• Covers Covid-19
• Regional coverage
• Purchase Online

Zone 1 Countries

• Philippines

Zone 2 Countries

• South Korea

*Nepal: Any trekking or mountain climbing activities are excluded.

Table of Benefits

Terms and Conditions:

The Table of Benefits is only a summary of benefits and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the Policy Wording before buying a travel insurance policy to ensure the policy suits your needs. The policy must be bought before your trip starts. Events that were anticipated at the point of purchase will not be covered.

• The earliest policy start date shall be the purchase date, not before.
• The maximum period of insurance for this Policy shall be 180 consecutive calendar days.
• Applicants must be aged from 4 weeks to 75 years old.
• Children under the age of 7 years old must be accompanied by an adult who is also insured under the same Policy.
• The sum insured for Personal Accident for children under 18 years old shall not exceed USD 2,000.
• Policy holders shall submit claims within 6 months after occurred date of the claims.
• There is no direct billing for medical expenses unless the expenses exceed USD 1,000 and that the arrangement is coordinated by the Insurer or its designated assistance company.
• This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.
• The zone of coverage of LUMA Asia Pass refers to the countries eligible for coverage as stated in the Certificate of Insurance. You will be covered during your insurance policy period for regional or multiple trips within countries included in the zone of coverage.
• This Policy is only valid for leisure travel or business travel (limited to administrative and non manual works only) and NOT cover for travel to any of the countries within the zone of coverage to seek for medical treatment.
• In case the Insured’s country of origin is one country within eligible zone of coverage, the Policy does NOT cover for any losses or expenses arising from the country of origin of the Insured.
• In case the Insured would like to purchase another policy after first policy expires, there shall be no gap in coverage and total duration of coverage of all policies combined shall not exceed 180 days.
• Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy.
• Any event or condition that occurred before the new policy start date is considered pre-existing and the Insured is not able to claim for any of these conditions under the new policy. Should the Insured be actively treated or under the supervision of a Physician or Surgeon, the Insured is not eligible to purchase another policy.

Contact us today

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Our goal is to be your companion for all things travel and we strive to make insurance easy, accessible and ethical.

Insured by Baolong

With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.

Assistance by Europ Assistance

Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.

Thai Expat Club is a registered Thai company (operating since 2014) that provides personalized insurance and expert advice for families and retirees. We communicate in English and help make it easy for foreigners to understand insurance in Thailand.

We offer a wide range of insurance products (specializing in insurance for retirees) underwritten by leading insurers, selected for their trusted reputation and excellent after-sales service.

Please contact Thai Expat Club / Health if you have any questions or require any further information

Telephone or WhatsApp +6689-897-9435

Thai Expat Health makes it EASY for foreigners to obtain the certificate of insurance required to meet the Thai government’s entry requirement (insurance covering all medical expenses including COVID-19 and worth at least 20,000 USD).

We have assisted many clients seeking to obtain a certificate of insurance in the FASTEST possible time with a MINIMUM of fuss. Our service is provided FREE of charge – You benefit from our personalized help and experience.

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Backpacker Travel Insurance for Asia

When thinking of where to go on a backpacking adventure, many minds wander to Asia. Asia is one of the places in the world that opens the eyes of those who travel there, and allows you to find yourself through experiencing a whole new culture. Travelling through Asia is truly a trip like no other.

Asia is a very vast continent, meaning that there are many terrains and cultures to explore when you are there. If you are interested in visiting several locations when you are in Asia, like so many people are, then you may want to consider what types of things you intend doing in order to plan your trip better.

Travelling to Hong Kong from the UK is one of the quickest ways to get to Asia, so a lot of travellers find themselves here in the first instance. This is a great kick-off point for travellers, as it is very well connected to very popular areas of Asia, such as, mainland China and the Philippines. Some of the other more popular areas to travel in Asia are Thailand , Vietnam and Cambodia. In these areas you can enjoy tropical white sand beaches, ancient temples and explore the jungle, all while enjoying delicious food and vibrant nightlife. These destinations are all great for solo travellers looking to meet new people and make lasting friendships.

That’s just the tip of the iceberg! There are so many experiences to be had in Asia. No matter what countries you intend to visit on your backpacking adventure, it is important that you take out travel insurance to protect yourself against many unforeseen eventualities.

Below is some information about our products, for which Terms & Conditions apply. Please visit the policy information hub for full details.

We also wanted to help you to best plan for your trip through Asia, so you can spend your time booking flights, accommodation and excursions! 

Popular backpacking destinations in Asia

There are several popular destinations that holiday-goers and backpackers flock to year after year. Here are some of the top destinations to explore when you visit Asia:

• Kuala Lumpur

You could spend an entire holiday in each of these destinations, research each location to see what excitement and adventure it could add to your trip. 

Best solo traveller destinations in Asia

If you are travelling alone, it can be daunting to imagine yourself for a prolonged period of time exploring solo. However, backpacking is a great way to meet people and travel alongside strangers. Here are some of the top destinations in Asia for solo travellers:

• Chiang Mai, Thailand
• Koh Chang, Thailand
• Pai, Thailand
• Kuta Lombok, Indonesia
• Gili Air, Indonesia
• Flores, Indonesia
• Nusa Islands, Indonesia
• Ho Chi Minh, Vietnam
• Hoi An, Vietnam
• Luang Prabang, Laos
• Siargao, Philippines

Best beaches in Asia

Many travellers go abroad from the UK to enjoy white sand beaches and soak up some rays. Asia is home to many beautiful beaches, here are some that we would recommend visiting during your trip:

• Pink Beach, Komodo National Park, Indonesia
• Pianemo Beach, Indonesia
• Railay Beach, Thailand
• Similan Islands, Thailand
• Khlong Rahan, Thailand
• Nyang Nyang Beach, Bali
• El Nido, Philippines
• White Beach, Boracay Philippines
• An Thoi Islands, Vietnam
• Sok San, Cambodia
• Tanjunh Rhu, Langkawi, Malaysia

How to choose the right accommodation while backpacking

The accommodation you choose really can change the feel of your trip. Choosing the right accommodation as a solo traveller, might be different to those travelling in a couple or as a group.

Hostels are perfect for all types of traveller, alone or in a group. Some hostels are advertised as perfect for solo travellers, and can be a great place to make friends and meet future travelling companions as well. Look into any hostel that you are considering, read reviews and look at their website and social media pages. This will give you the best idea of whether or not that hostel is somewhere that you will enjoy.

Hotels can be a pricier option, but you will often find yourself in more luxury than a hostel. If you are looking to take a break from staying in a dormitory-style room, a hotel can be the next best thing. Most hotels have different standards of room, so if you search properly, you will be able to find something that suits you and your budget.

Airbnb offers a wide range of accommodation types at a wide range of prices. It is well worth looking to see if there are any affordable Airbnb's in the areas that you visit, you might find yourself surprised with the quality and price of some of them.

Travelling accommodation is also another great option for those of you looking to save some money whilst travelling. There are several trains that travel through the night, meaning you can get your accommodation and travel ticket all in one! Go to sleep in one part of Asia, and wake up in another to explore!

The best season to go backpacking through Asia

Travelling through Asia you can experience really high climatic temperatures. This can make it more difficult to explore and make the most of the full days you have. The cooler months in the dry season are between November and February, which means you’ll enjoy great weather and at the same time, be able to be outside more comfortably, for longer.

It gets hotter between March and June and it is more humid than other months of the year, sometimes making it more difficult to explore as it can be uncomfortable.

If you’re planning a backpacking holiday, you’ll understand the importance of being prepared for the unexpected whilst you’re away. The nature of backpacking is to explore the world, travel far and wide and sometimes just see where the wind takes you, so, this can mean that things don’t necessarily always go to plan.

Our Backpacker Travel Insurance is suitable for those that are aged 50 and under and plan on travelling a country, or bigger world adventure in one trip. For full details of the terms and conditions that apply, refer to the policy document .

Packing list for backpacking in Asia

Travelling out of a small wheelie bag or a large backpack can be challenging, but usually those who travel light find it liberating to be not have to worry too much about what to wear each day. We’ve put together a list of things you should consider packing for a trip around Asia:

• 3-4 tshirts/tops
• 2-3 light blouses/tops
• 1 evening outfit
• 1 jumper/zip up for colder weather
• 2 pairs of trousers
• 2 pairs of shorts
• 1 swimwear outfit
• 2 pairs of shoes
• 5-7 pairs of underwear
• 5-7 pairs of socks
• 1 pair leggings/tracksuit bottoms
• Phone & camera chargers
• Asian plug converters
• Any medicine you might need
• Details of your travel insurance policy
• Essentials such as Passport, money and ID

Frequently Asked Questions

Although travel insurance for your backpacking adventure through Asia isn’t a legal requirement, you should still view it as essential for your trip. When you go on a journey through a country, or several countries, unexpected things can happen.

A travel insurance policy from Allianz Assistance can help to protect you against many unforeseen eventualities from lost baggage to medical assistance all the way to covering repatriation to the UK . We have created a policy that offers you the peace of mind you deserve when you are on your adventures through Asia.

Find out more about what is covered in our Single Trip travel insurance policies below:

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Single Trip or Annual Bronze cover
• **Only available with Single Trip or Annual Gold cover
• Terms and Conditions apply.  

Our travel insurance policies can protect you all over the world*. You can select just the countries you're travelling to, which will help make sure you only pay for the cover you need. 

Check your confirmation email to make sure that all the destinations you are travelling to are listed.

*Please note that you cannot travel to a country or region that the Foreign Commonwealth and Development Office has advised against all travel or against all but essential travel. 

The best time for you to take out travel insurance is as soon as you’ve booked your trip.

Sadly, accidents do happen and there might be a reason why you can no longer travel. But, if you’ve taken out travel insurance, you’ll have cover for cancellation. Your cover starts as soon as you buy your policy, and we’ll pay up to the amount shown in your policy documents for unused accommodation, transport, excursions and other travel expenses you have paid or will have to pay, and that you cannot recover from anywhere else.

Terms and Conditions apply .

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Looking for more cover? Here’s what else we offer

Winter Sports & Ski Travel Insurance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Collision Damage Excess Waiver Insurance

Sports & Leisure Insurance

Our other types of insurance you may be interested in.

Worldwide Travel Insurance

Travel Insurance for Thailand

Read our blogs, the latest travel advice and news from allianz assistance uk..

Top expat destinations for UK employees

Will travel insurance cover strikes?

10 Inspirational women who shaped how we travel

Best time to visit Australia and New Zealand

Staying safe whilst backpacking

The world's longest and greatest road trips

Things to do in the Dominican Republic

Where and how best to see the Northern Lights in Europe

Make A Claim?

Policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

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11 Best Travel Insurance Companies in June 2024

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

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

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

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

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

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

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

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

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

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

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

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

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

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

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

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

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

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

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

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

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

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

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

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

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

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are 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

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