travel care assistance

PLANES EUROPA

PLANES AMÉRICA

PLANES MUNDIALES

SOMOS TRAVEL CARE ASSISTANCE

Nos enfocamos en la calidad de servicios de asistencia en viaje, como tarjeta de asistencia, ofrecemos protección y seguridad, con productos y servicios innovadores diseñados para ajustarse a las necesidades de nuestros Clientes, aportando valores agregados y beneficios de asistencia de alta calidad. Contamos con el esfuerzo de un equipo multidisciplinario y de aliados estratégicos, con más de 20 años de experiencia, que representan la garantía del servicio en los productos que ofrecemos. Nuestra calidad y desarrollo tecnológico, nos permite proveer servicios en tiempo real y de manera óptima, orientados a satisfacer a nuestros usuarios.

Valores y Objetivo

Innovación & actualización

Solución & Coordinación

Transparencia & Coherencia

Nuestros servicios.

Asistencia en Viajes

Cubrimos gastos médicos en caso de accidente y/o enfermedad, ofrecemos soluciones en casos de urgencia y/o emergencia, retrasos o cancelación de vuelos, pérdida de equipaje o asistencia legal.

Nuestra red está consolidada con proveedores directos, lo que nos permite mantener el balance entre la calidad y el costo, negociamos los servicios antes de la prestación, para tener un mayor control de la asistencia.

Contact Center

Dos centros multilingües diseñados para manejar las consultas, peticiones y solicitudes de asistencia de nuestros usuarios; con analistas de servicios que proporcionan ayuda 24/7 en cualquier parte del mundo, supervisando los casos en tiempo real.

Obtén tu Tarjeta de Asistencia

¿Deseas adquirir y contratar una asistencia para tu próximo viaje? Dale click y ponte en contacto con nosotros, nuestros asesores te brindaran toda la información que necesitas y te ayudarán con el Plan de asistencia que más se adapte a tu viaje.

Planes de Asistencia

Nuestros planes de asistencia satisfacen las necesidades de todos los viajeros. Ofreciendo un precio razonable y al alcance de todos nuestros usuarios obteniendo y generando excelentes propuestas competitivas en el mercado, ofrecemos productos de distintos montos de cobertura, ideal para elegir el que más se ajuste a cada viaje. Estos planes incluyen cobertura médica, de equipaje y traslado. Nuestros planes ofrecen productos de corta estadía para todas las edades sin contar con límites de edad para viajes vacacionales, de turismo y familiares, como también planes de asistencia de larga estadía, especialmente diseñados para el viajero joven, que busca salir a descubrir y aprender del mundo, realizar viajes de estudios u aprovechar las oportunidades de ofertas laborales en el extranjero. Esta gama de productos dispone de tarifas accesibles y competitivas para que puedas vivir tu viaje protegido sin gastar de más!

Planes América

Cobertura en Caribe, USA, Canadá y resto de Latinoamérica.

Planes Europa

Ideal para todo tipo viajes a los paises de Europa.

Ideal para viajar tranquilo a cualquier destino del país.

Planes Mundiales

Plan para sentirse seguro en todas las rutas de viaje.

Planes de Larga Estadía y Estudiantes

Un plan acorde a tu periodo de viaje.

Planes Anuales Multiviajes

Plan para sentirse seguro en tu destino de viaje.

Nuestros UPGRADES

Aplica en todos nuestros planes de asistencia con destino mundial. Si desea conocer mayores detalles y especificaciones de los beneficios (Up grades) consulte y solicite a su asesor de asistencias y/o de viajes por nuestro condicionado general de los servicios de asistencia.

Cancelación De viajes multicausa

Aumenta tu cobertura y protege los gastos de tus programas turísticos, excursiones, boletos aéreos y cruceros que hayan sido organizados por una agencia de viajes o empresa naviera profesional debidamente acreditada en el destino de viaje con una cobertura de hasta USD 2,000 por cancelación anticipada de viaje contratado y pagado en su totalidad, consulta con tu asesor de asistencia las 12 razones de causa justificada de este beneficio.

Futura Mamá

Protege todas las asistencias médicas por emergencias hasta la semana 26 de embarazo, controles de emergencia, ecografías y parto de emergencia. Este beneficio te brindara hasta USD 10,000 de asistencia para toda futura mamá hasta los 40 años de edad.

Enfermedades Pre-existentes

Aumenta tu asistencia médica por enfermedades pre-existentes hasta USD 2,000 y protégete ante un episodio agudo o evento no predecible, de descompensación por enfermedades preexistentes, crónicas y/o epidémicas conocidas o previamente asintomáticas.

Protección Tecnológica

Protege tus cámaras de fotografía, filmadoras, teléfonos inteligentes, tabletas y computadores con una cobertura de hasta USD 2,000 tus objetos tecnológicos comprados o llevados desde el país de procedencia que hayan sido robados mediante el uso de violencia física en la vía pública en el país de destino durante su viaje.

Deportes Amateur

Protégete de cualquier lesión al practicar deportes que disfrutes realizar como carácter de actividad recreativa (amateur) hasta el tope de asistencia médica por accidente, sin exceder USD 10,000 y/o del monto máximo indicado en el plan contratado.

Cobertura COVID - 19

Si como consecuencia de un diagnóstico positivo por COVID-19 debe guardar reposo o aislamiento forzoso y se viera imposibilitado de volver a su país de residencia al finalizar la vigencia de su voucher de asistencia, este UP GRAGE le brinda una cobertura de hasta USD 1,000 por concepto de gastos de hotel por cuarentena médica y/o penalidad de su ticket aéreo. Consulte a su asesor de asistencia y/o agente de viajes mayores detalles y características de este beneficio.

Travel Care

Nos enfocamos en la calidad de servicios de asistencia en viaje, como tarjeta de asistencia ofrecemos protección y seguridad.

Calle porta #170 oficina 507 Miraflores - Lima

[email protected]

+51 965 762 631

01 725 3962

NEVER assume your health plan provides protection when you travel internationally.

Understand your risk. Not sure? Read the FAQs below!

• $1,000,000 Emergency Medical Evacuation
• $150,000 International Medical Health Coverage
• Trip cancellation, delay and interruption
• COVID-19 health and quarantine coverage
• Underwritten by Nationwide ®

Affordable Peace of Mind for the International Traveler

The world of travel insurance can be confusing. Too many choices with plans that offer inadequate coverage for health and safety emergencies or are simply too complex or expensive. At TravelCare, we've done the work for you. You can buy with the confidence that comes from TravelCare's over 20 years of experience in the travel health industry and our relationship with one of the most trusted brands in insurance, Nationwide ® . 

Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company.

TravelCare plans cost around $5 per day. Coverage highlights are as follows. Scroll down for more FAQs and to see full plan details.

TravelCare's Emergency Evacuation and Assistance and Travel Medical plans are underwritten by Nationwide combining the strength of TravelCare's experience with Nationwide's financial strength to offer unparalleled peace of mind for the International traveler.

Frequently Asked Questions

General questions  (16).

All you need to know to understand why you should never leave the U.S. without a TravelCare protection plan.

• Many U.S. health plans do not provide adequate – if any – coverage overseas.
• U.S. health plans generally do not cover emergency evacuations, which can cost you up to $200,000 or more, depending upon your circumstance and location.
• Medicare does not provide coverage for hospital or medical costs outside the United States (except in rare emergency circumstances on our borders with Canada and Mexico) or emergency evacuations.

Yes. If medical treatment or evacuation is necessary for an insured with COVID-19 during their trip, the plan covers related expenses. Make sure to purchase both the TravelCare evacuation plan and the optional medical plan to cover both evacuation and medical expenses.

Unfortunately, that situation is not uncommon. Here in the U.S., where most our healthcare is financed by private insurance, people can receive medical treatment and admission to a hospital by presenting their health plan ID card. In other countries, where healthcare is generally provided under state-financed or state-provided health systems, that is not the case. Their financial infrastructure is not set up to provide care and then send a bill to a third-party to pay the costs after-the-fact. That is why it is common for foreign hospitals to require an up-front payment – often ten thousand dollars or more – or a "guarantee of payment" from a travel insurance provider they are familiar with, like Nationwide. You do not want treatment delayed or denied because you are having difficulty quickly coming up with the cash or sufficient credit balances on your credit cards.

It is highly unlikely that your regular medical plan will:

• know the best place to get treatment in your foreign location;
• pay a hospital in advance if necessary to assure your admission or treatment;
• immediately speak with your treating doctor in his/her language to assess your condition, your treatment plans, and their ability to provide appropriate care;
• pay tens (or even hundreds) of thousands of dollars to evacuate you to a higher level of care if you cannot receive adequate care where you are;
• accept medical records in a foreign language or pay claims in foreign currencies;
• be available 24/7 to receive calls to assist you and advocate for you in any language.

Most people need emergency travel assistance and evacuation services, and Travel Medical insurance, to get proper protection – even if they have great health coverage here in the U.S.

Medicare does not cover medical expenses incurred while traveling abroad except in rare circumstances. (Medicare may cover you if you're in the U.S., but the closest hospital is across the border, or if you have a medical emergency while traveling through Canada between Alaska and another state).

Only some Medicare Supplement plans cover emergency health care provided in a foreign country. For those that do, the coverage: (1) is limited to 80% of $50,000 after you pay either a $250 or $2,000 deductible, (2) does not apply for emergencies after you have been on a trip for 60 or more days, and (3) does not provide any coverage at all for emergency medical evacuations.

The government does not take financial responsibility to cover the costs of Americans that become ill or that are seriously injured abroad. While a consular officer can assist in the transfer of funds from the United States, payment of emergency services including evacuation, repatriation, hospitalization and other expenses is the responsibility of the traveler.

Before selecting Nationwide as our preferred carrier, we considered most of the top U.S. providers of international travel medical insurance. We feel Nationwide offers the best combination of broad benefits, affordable rates, financial strength and high-quality customer service. People know and trust the Nationwide brand.

We selected United Healthcare Global as our preferred travel assistance provider as they are a worldwide leader in their field and provide services to many of the U.S. leading multinational and global companies. We feel UHG offers the best combination of financial strength, operational excellence and medical and security expertise to manage any situation that a traveler may experience while in a foreign country. People know and trust the United Healthcare brand.

United Healthcare Global is a global medical, safety and security travel assistance company that delivers:

• a fully integrated solution focused on prevention, intervention and response
• a world-class, worldwide assistance infrastructure
• first-world standards of primary and emergency medical care in remote and hazardous locations
• a strengthened global network of practicing medical specialists and resources
• robust medical, safety and security protocols
• emergency medical and security evacuation and crisis response capabilities
• extensive travel intelligence, insurance and protection services
• specialized technical and operational health and safety expertise

Nationwide Mutual Insurance Company, based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor's. The company provides customers a full range of insurance and financial services, including auto insurance, motorcycle, boat, homeowners, pet, life insurance, farm, commercial insurance, annuities, mortgages, mutual funds, public and private sector retirement plans, long-term savings plans and specialty health services.

The assistance company is a 24/7 multilingual service available to assist you when you are traveling internationality. They have the expertise and resources to help you when you are faced with travel, medical, legal, personal security and other emergencies or concerns when traveling internationally, regardless of the severity. You simply call a toll-free phone number from within the country (or you can call them collect from anywhere in the world), and they will assist you.

It is important that the assistance company is notified as soon as possible. They will monitor your care and work through the complex details of foreign hospitalizations. They will immediately speak with your treating doctor to assess your condition, your treatment plans, and whether or not an evacuation is necessary. They will update your family, employer and personal physician as appropriate. In addition, they will coordinate all insurance verifications and admission details.

The assistance company can direct you to the hospital in your locale that is most capable in getting you treatment. If you elected to purchase the TravelCare Travel Medical Insurance, they will coordinate all Nationwide insurance verifications and billing, including making advance payment arrangements with the hospital, like issuing a "guarantee of payment" on behalf of Nationwide. This ensures that there is no delay or denial of medical treatment because you are unable to make the up-front payment or because your regular insurance is not recognized. The assistance company will settle any guarantees of payment with the hospital on Nationwide's behalf.

The assistance company has expertise in knowing the capabilities of international hospitals and clinics. That information, in conjunction with their assessment of the treating physician's diagnosis and treatment plans, will enable the assistance company's physicians to make an evaluation of whether the local hospital is capable of providing you the treatment you need. If the assistance company's doctors are of the opinion that you cannot receive appropriate care there, they will make arrangements to have you evacuated to either: (1) the nearest hospital where adequate treatment can be obtained or (2) to a hospital of your choice near your home in the U.S. to obtain further treatment or recover (or both). The assistance company will consult with all parties involved and fully manage all logistics of the evacuation.

In the event of a security situation, you can call the assistance company for help at any time. Additionally, if the situation is deemed to require Non-medical Emergency Evacuation, you are covered up to $100,000.

You can call the assistance company for help at any time. They will assist you with lost or stolen passports, legal referrals, translation services, emergency transfers of funds and a variety of other travel related issues.

Questions About the Plan  (12)

Answers to the most common TravelCare plan questions are below. More plan questions? Call (866) 223-2835 option 4. (M-F 8:30AM to 5:00PM EST)

As a natural extension of our health and safety expertise, it became increasingly apparent that we also needed to make it easier for the medical community to convey the importance of securing Emergency Evacuation services and Travel Medical Insurance to ensure that our travelers are not left:

• stranded without access to appropriate resources in the event of a medical or security emergency, or
• unable to secure medical treatment or admission to a hospital because their primary insurance at home does not provide adequate coverage or services when overseas

Sure, in plain English, here's a summary of what TravelCare plans cover:

If you need to be evacuated for emergency medical reasons, the Emergency Assistance Services will make all the arrangements and cover the costs of transporting you with appropriate medical supervision to the nearest appropriate medical facility and/or taking you home. Costs for air ambulance services can run over $200,000 depending upon your location and circumstance.

In addition, if you need to be evacuated for political or emergency security reasons, the Emergency Assistance Services will make all the arrangements and cover the costs up to $100,000 to transport you in a secure fashion to the nearest safe place, and when conditions allow, then return you back to your point of origin or take you home.

There are also a variety of additional services included and available 24/7 that help you with the kind of problems international travelers often experience.  Click here  for Complete Emergency Assistance Service details.

When you purchase the optional Travel Medical Insurance, it will make advance payment arrangements to get you into the best foreign hospital in your locale (generally foreign facilities will not agree to provide care, then bill your insurance at home), and then pay your foreign hospital and medical expenses directly, up to $150,000. They deal with the medical records in foreign languages, the foreign currencies, etc., and you have no deductibles or co-pays.  Click here  for Complete Travel Medical Insurance details including plan maximums based on your age at time of purchase.

Coverage may be purchased with VISA, MasterCard or American Express.

A trip can be as short as 1 day or as long as 90 days; however the minimum premium equals 7 days of coverage.

Nationwide will pay your providers directly for your covered expenses, or will reimburse you for covered expenses if you paid the providers directly. If Nationwide then determines the benefits paid under their plan are eligible benefits under any other benefit plan, they may seek to recover expenses from the other plan to the extent the other plan would have covered as well. Any recoveries Nationwide makes helps to keep the cost of their coverage down.

All coverage will begin on the later of the Effective Date, or upon Your departure from Your Home Country

Your coverage will end at 11:59 P.M. local time on the date that is the earliest of the following: (a) upon Your return to Your Home Country; (b) when Your Trip exceeds ninety (90) days.

No. Both the Emergency Evacuation and Assistance plan and Travel Medical Insurance plan will pay 100% of the reasonable and customary charges for the expenses they cover up to the plans' maximums.

Yes. Please  click here  for a complete listing of the Emergency Evacuation Service exclusions and limitations, and all other terms and conditions of the coverage. You can also call TravelCare's insurance plan administrator, at (800) 753 1000 option 6 - Monday to Friday between 8:30 am and 5:00 pm Eastern Time. 

Yes. Please  click here  for a complete listing of the Travel Medical Insurance exclusions and limitations, and all other terms and conditions of the coverage. You can also call TravelCare's insurance plan administrator, at (800) 753 1000 option 6 - Monday to Friday between 8:30 am and 5:00 pm Eastern Time.

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6 of the best travel assistance companies in 2024

What are travel assistance companies, what should you look out for in your travel assistance solution, does my company need to use a travel assistance company, the 6 best travel assistance companies for your business.

• Evacuation capabilities: for field rescue and evacuation. You need a solution that can help to organize and successfully provide emergency assistance or medical evacuations from destinations worldwide.
• 24/7 suppor t**:** for emergencies and non-emergencies. A 24/7 emergency and non-emergency hotline that offers clients support at any point in their trip—from an early morning start to middle of the night requests.
• Destination reports: for your traveling employee’s destination. These reports will warn of any risks to consider, and offer resources for mitigating those risks when traveling.
• Concierge services: for dealing with issues with trip cancellation, travel delay, and travel documents. Unexpected issues can arise, and you need a solution that can offer personalized support for your employees.
• Visa and passport services: for employees traveling to destinations far and wide. Ensuring all documentation is correct and up-to-date is essential for smooth business travel.
• Travel insurance options: to protect you and your staff members whilst away on business travel.

Travel assistance companies provide around-the-clock support

Travel assistance companies help with travel issues, travel assistance companies help with emergencies, 1. travelperk.

• Receive 24/7 support from real humans in 15 seconds or less
• 1-1 concierge services to help cover every detail of your trip, from organizing travel to accommodation and meeting rooms
• TravelCare for risk assessment and management with COVID-19 information, pre- and during travel alerts, and destination guidelines, so that travelers fly safe, and admins know of any problems that might come up during the trip
• Real-time traveler notifications to keep employees in the loop
• Integrations available with a number of duty of care providers like Riskline, International SOS, Safeture, and others to provide you with the safest experience possible.

How TravelPerk helps you put employee safety first

• An industry-leading inventory that offers the best deals on the market–including flights, accommodation, trains, and car rentals.
• FlexiPerk offers travelers flexible travel solution by enabling organizations to get 80% of their money back when canceling up to two hours in advance
• Carbon offsetting for business travel with GreenPerk
• Ample third-party integrations, including expense management, meeting space, mobility, security, sustainability, travel and user management, enable you to integrate the platform with your existing workflow

2. Global Rescue

• Global rescue team that specializes in supporting and rescuing employees in need of assistance
• Destination reports and event alerts to provide guidance for those who need it when traveling to unfamiliar destinations

3. Travel Guard

• Translation services available in other 40 different languages
• Wide range of insurance coverage and plans to suit your needs

4. Allianz Travel Insurance

• 24/7 award-winning assistance worldwide
• A network of prescreened medical facilities to help ensure you find the right medical providers for your needs

5. Generali Travel Insurance

• Receive ID Theft Resolution and Concierge Services for all travel
• Three separate insurance plans to cater to affordability and provide ample coverage for your needs

6. AMEX Global Business Travel

• 24/7/365 customer support services to handle issues whenever they occur
• Personal travel assistants to help provide a unique and tailored experience to every client who books business travel

Click below for a more detailed comparison between Amex GBT and TravelPerk:

Improve your travel experiences with travel assistance companies.

Make business travel simpler. Forever.

• See our platform in action . Trusted by thousands of companies worldwide, TravelPerk makes business travel simpler to manage with more flexibility, full control of spending with easy reporting, and options to offset your carbon footprint.
• Find hundreds of resources on all things business travel, from tips on traveling more sustainably, to advice on setting up a business travel policy, and managing your expenses. Our latest e-books and blog posts have you covered.
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11 Best Travel Insurance Companies in April 2024

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.

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 no extra cost.

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.

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.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• 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.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

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

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

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

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

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

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

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

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 our picks for the best travel credit cards of 2024 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

June 1, 2020

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

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

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

Why do I need travel insurance?

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

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

Travel delays leave you stranded.

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

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

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

Fender-benders are unavoidable.

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

You need help in a hurry.

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

Why go with Allianz Travel Insurance?

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

We're Protecting You

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

We're There For You

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

We're Built For You

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

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

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

More Travel Resources »

LATEST COVERAGE ALERTS

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

More Coverage Alerts »

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

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

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The right insurance cover for your trip.

Protect your trip with the insurance cover of our partner AIG. Our individual insurance packages already include all the important Covid-19 benefits and so protect you comprehensively even in the event that you fall ill with Covid-19.

With our insurance partner AIG Europe S.A. we offer you two individual packages for your protection. These can be purchased partly during booking and partly after booking. 

Please note:

to use Cash & Miles, redeem promotional codes or take out insurance – use your computer, notebook or your tablet for your request.

AIG Travel Care

The insurance package Travel Care is valid in connection with a flight booking and, in addition to travel cancellation and travel interruption insurance, also includes additional Covid-19 benefits such as a compensation payment should you have to go into quarantine because of a Covid-19 infection at your destination.

• Travel cancellation insurance
• Travel interruption insurance
• Refund of hotel accommodation and rebooking costs due to quarantine
• Pre-travel information and assistance in the event of any entry problems related to Covid-19
• Costs dependent on travel dates

AIG Travel Care Plus

In addition to the benefits of Travel Care, medical expenses are also covered in the Plus package in the event that you fall ill with Covid-19. Any medical emergency return transport is covered as well.

• Medical assistance and worldwide access to German- and English-speaking doctors
• Cover for medical expenses in connection with a Covid-19 infection or treatment abroad, incl. return transport

Terms and conditions of insurance

The insurance packages AIG Travel Care and AIG Travel Care Plus can be booked with the Lufthansa Group insurance partner AIG Europe S.A. via the direct sales channels for passengers residing in Germany, Austria, Switzerland, Belgium, France, Spain, Italy, the Netherlands and Portugal*.

* Customers receive different products when making bookings involving Denmark, Finland, Greece, Ireland, Kuwait, Norway, the Netherlands, Poland, Portugal, Romania, Sweden, South Africa, the Czech Republic, Hungary, the United States of America, and the United Arab Emirates.

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Travelling safely

We are doing our utmost so that you can travel safely without having to worry. You can find an overview of our guidelines for travelling safely and other services here.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

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

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

Best cheap travel insurance

Top-scoring plans

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

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

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

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

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

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

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

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

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

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

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

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

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25 Great Ways to Save on Travel

Your guide to saving on epic getaways — without skimping on fun.

Stephanie Vermillion,

Your travel bucket list doesn’t have to break the bank. To help you fulfill your globe-trotting goals — sans the high spending — we talked with travel industry professionals and writers about their favorite cost-saving tips. Here are 25 of the best ways to save on travel, and don’t forget to share your own budget-travel tips in the comments section at the bottom of the page.

1. Try a price prediction tool

Some budget travelers swear by only booking their flights on Tuesdays. Others suggest booking on Saturdays. But according to Nick Ewen, senior editorial director for The Points Guy, “that ‘day to book’ thing is largely a myth.” What could matter? The day of the week, or the time of day, you actually fly. Tuesdays, Wednesdays and Saturdays are often cheaper days to fly than Fridays or Sundays. Because prices fluctuate, Ewen recommends using tools such as Hopper , Google Flights or Kayak to track and monitor when a flight is a good deal and when it’s not. “Price prediction tools will essentially say, ‘Right now, prices on this route are high, but we expect them to drop within the next 30 to 45 days,’” he says, noting it’s not always a guarantee — but “these tools can help you make a more informed decision.”

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2. Cash in those airline miles

If you’ve built up miles with a specific airline, use them, says Ewen. “Any opportunity to use your miles to keep cash in your pocket is a good redemption,” he says. “I often see people who are new to the world of loyalty programs, points and miles, and they’re afflicted with analysis paralysis.” Instead of using their perks, they sit on them — but doing so could be costing you. “Points and miles are terrible long-term investments; they only lose value over time,” Ewen says. If you want to double-check the miles-to-money conversion before booking, try online calculators that tabulate this equation, including NerdWallet , Omni Calculator and The Point Calculator .

3. Track and modify your trip

Here’s even more incentive to book: In recent years, a growing number of U.S. airlines, including United, Delta, American and Alaska, have removed change fees. That means if you book a ticket, then see a better flight deal, you can modify your reservation and pocket the difference. This goes for not only flights booked with dollars, but also miles. “Since the pandemic, just about every airline, aside from basic economy status, has made award tickets, generally speaking ... are now fully refundable,” Ewen says. 

4. Keep tabs on your credit card discounts

If your credit card comes with a steep annual price, know that “oftentimes there are many ways to offset that fee,” Ewen says. Many cards offer travel credits, complimentary companion passes and other lifestyle perks. But to benefit, you need to actually use them. “Credit card issuers rely on people to not be informed; that way they can offer a perk that [would] cost them money, but they’re not actually going to have to fork that money over,” he says. To keep tabs on your card’s perks, which include everything from rideshare and TV subscription credits to grocery discounts, Ewen suggests checking your account every month and creating a spreadsheet of all available offers.

5.   Look into living the lounge life 

Airport lounges can help you save on overpriced terminal fare, and typically offer complimentary food and drink (in many cases alcoholic beverages), showers, less-crowded bathrooms, numerous charging ports and comfortable seating. Lounge life can improve the air transit experience, but there is a cost. Many airline lounges require a paid membership or can be accessed by paying annual fees on travel credit cards. These several-hundred-dollar annual fees come with a variety of perks, such as the opportunity to bring one or several guests free of charge. To determine if lounge membership fees are worth it, Ewen suggests crunching the numbers to see how often you plan to travel and how much you and your potential airport lounge guests could save on amenities. Additionally, if you do decide to obtain lounge membership, make sure your home or go-to airport has that specific airline lounge, he says.

6. Don’t shrug off shoulder season

Want to cut spending and dodge congestion? Travel journalist, photographer and founder of the blog Camels & Chocolate Kristin Luna has some advice: “Traveling in [the] off-season, or shoulder season, is my favorite way to travel — not only do you save money, but you avoid the crowds,” she says, noting that, on a November trip to Iceland — well outside the summer high season — she and her family saved big: “We paid roughly half of what we would have had we decided to travel in summer months.” They also saw a fraction of the crowds. Of course, traveling in the shoulder season can come with a downside, like seasonal closures or bad weather. Before booking a shoulder-season adventure, make sure the restaurants, attractions and experiences you hope to enjoy are still available.

7. Skip the gas pump 

Another way to save on rental cars: Go electric. “It may wind up being cheaper than filling up with gas, especially if you’re outside the U.S.,” says Ewen, noting gas in many destinations across Europe can be “incredibly expensive.” That said, an EV isn’t always the best option. “The big thing is going into it knowing exactly how you’re going to charge the car,” Ewen says. If you’re largely in the countryside, where there are minimal EV charging stations, you could end up in trouble. But if you’re mostly traveling between cities or large urban areas, you should be in the clear — although it’s smart to research EV guidelines for specific countries and regions before you book. For that, EV-focused websites like Chargemap , Electromaps and PlugShare can help.

8. Use credit card rental car insurance

If you have a travel credit card, odds are it includes rental car insurance — but you have to follow a few important steps to use it. First, decline all of the rental car company’s protection offerings, Ewen says. This includes roadside assistance, collision damage waiver — any and all protections. If you do have an issue during your trip — say, a cracked windshield — you can submit the claim by contacting your credit card company. Before you rely on this method, it’s important to know what’s included with your card’s insurance. “Coverage on car rentals through credit cards is limited to damage and theft,” Ewen says. If you have questions, call your credit card company (via the phone number on the back of your card) to confirm. When you prefer more coverage than what’s offered through your credit card — or you’d rather avoid dealing with the potential claims process — consider the rental car company’s options, but do your research ahead of time to avoid being pressured into any decisions.

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9. Take advantage of public transit

In many cities, using public transportation instead of a rental car or rideshare service can keep money in your pocketbook. Katie Holden of the blog Katie’s Travel Tricks suggests using an app, such as Google Maps , to navigate safely. “Just toggle over to the public transportation icon after you enter in your destination,” Holden says. “In some countries it even includes detailed instructions on which [station] exit to use.” To help with comparison, Google Maps will often provide an estimate of what a rideshare price would be for the same trip. Other public transit map options to consider include Moovit and Transit . Additionally, in places with robust train infrastructure, like Europe, you can save (and reduce your carbon emissions) by opting to train between destinations instead of flying.

10.   Check out deals for your wheels 

Before you book a rental car, Ewen recommends checking a website like AutoSlash (alternatives include Expedia or Momondo ) to look for deals. These kinds of services incorporate your memberships, such as a Sam’s Club, AAA or AARP, then make recommendations on the best rental-car deals and saving options. Additionally, if you’re booking a rental car, always join the company’s loyalty program, Ewen says. These memberships, which are typically free, can help you skip the line and expedite the check-in process. Another way to save: Try an alternative transit mode. If you’re visiting only one city, consider renting a bike; many bicycle shops offer e-bike and regular bike rentals for either a few hours or several days — helping you save on not only rental cars and parking, but also gas.

11. Buy one, get one free with a stopover

Several airlines offer stopover programs that let you experience a city for a few days while en route to your final destination. This is a great way to get more bang for your travel buck, says Luna, who has used stopover offerings for a stint in Doha en route to Bangkok, a stop in Iceland while traveling to Germany, and a visit to New Zealand on the way to the Cook Islands. Since you don’t have to purchase additional flights in a stopover program, “it doesn’t cost more money, so it’s basically buy-one-get-one-free flights to see two places instead of one,” she says. 

12. Search for a seasonal deal

End-of-year savings aren’t just for holiday gifts. Many companies in the travel industry offer major discounts timed to Black Friday and Cyber Monday. The cruise industry also extends this savings potential with “wave season” (typically January through March), which is “when cruise lines do big pushes to get sales up,” says writer Mikkel Woodruff of the cruise website Sometimes Sailing. In addition to saving on your cruise booking itself, you may also snag goodies like free internet or discounted airfare. Additionally, during the spring, many car rental services need to move their vehicles in the south back north, which means it’s a great time to grab a deal on a one-way rental car if you’re looking for a spring road trip from, say, Florida to New England. 

13. Stay ahead of cell-service charges

International data charges can add up quickly. That’s why Holden recommends going into your trip armed with connectivity options. For example, apps like WhatsApp , Viber and Signal will help you text or call via Wi-Fi. It’s also helpful for booking dining or inquiring about tours. “Internationally, many businesses will have an option to contact them via WhatsApp,” says Holden. She also uses a cell plan that comes with international data and texting, which you can inquire about with your carrier pre-trip. And, if you know you’ll need faster data service, Holden recommends buying a local eSIM card.

14. Save big with senior passes

Memberships and passes can help you save big on your adventures, whether it’s using your AARP membership to get deals on car rentals, cruises or train travel, or taking advantage of senior discounts for museums. Additionally, if you’re planning a national parks trip, travel writer Emily Pennington shares some advice: “The number one thing to do is get the America the Beautiful Pass ,” she says. America the Beautiful covers the entrance fee for any National Park Service park, as well as lands managed by the U.S. Fish & Wildlife Service and several other federal organizations. Travelers age 62 and older can buy an annual pass for $20, or a lifetime pass for $80 (the price for a standard annual pass alone is $80). For another cost-saving trick, Pennington suggests volunteering with the park service for free park admission. “If people want to spend no money on the park pass, they can do a certain amount of volunteer hours and earn a free park pass that way.”

15.   Stock up at a grocery store 

Dining out can take a major bite out of your travel budget. To avoid this — without skimping on the joy of travel cuisine — Luna suggests hitting the grocery for small meals and snacks. “If we’re staying somewhere multiple days in a row, the grocery store will be our first stop. We stock up on yogurt, fruit, other breakfast items, coffee and beverages,” Luna says. This way, you can save by having lunches at home, then splurge on restaurants for dinner. And, to ensure you’re not missing the cultural side of cuisine, skip the big-box grocery stores. “Street food or bodegas can be a great way to try the local flavors while not splurging on expensive meals,” Luna says. 

16. Look for budget-friendly tours

If you want to see a new destination but can’t splurge on a private guide, consider joining a “free” guided walking tour, offered through numerous services, such as Free Tour , Free Tours by Foot and GuruWalk . (Note that while there’s not a set fee for this tour, you should pay or tip what you think is appropriate.) Additionally, consider alternative tours that won’t break the bank but will help you authentically experience the culture. For that, Holden recommends options like Airbnb experiences. “These are experiences run by locals who are an expert in one area,” she says. “We learned to play Japanese card games in Nara, Japan, and dyed silk scarves in a marbled pattern in Florence, Italy.” Other locally led options include Tours by Locals and With Locals .

17. Download a free audio tour

For a more DIY budget-friendly sightseeing option, look to podcasts or audio tours. Well-known travel gurus like Rick Steves offer self-guided walking tours that use narration to immerse you in a new destination, while the app SmartGuide runs digital tours with audio guides, city maps and insider tips. The website VoiceMap also features hundreds of on-your-own audio walks, bike rides and drives, helping you see the highlights without needing to join a group or in-person guided tour.

18. Save on souvenirs

To save on souvenirs, skip the resort or airport gift shop where prices are typically inflated and consider craft markets or even grocery stores instead. According to Holden, it’s wise to go in knowing exactly what you want so you don’t overspend. “Everyone in our family has a certain small item they collect and we buy that — a statue for my daughter, a magnet for my son,” she says. “We also visit thrift stores and the local equivalent of a dollar store.”

19. Consider alternative accommodations

Options abound when it comes to booking overnights. Sure, hotels are great — and can come with great deals if booked using credit card points, says Holden — but alternative options like rental homes, hostels (many offer private rooms) and even couch surfing can help you save. Some may even help you make local connections. “We’ve used the website Couch Surfing to stay with strangers for free,” Holden says. Tripping.com also features couch-surfing rentals. For any sites, especially couch-surfing ones, be sure to read plenty of reviews. “Another budget option would be to watch someone’s pets in exchange for a free stay at their home,” Holden says. Numerous house-sitting options exist around the globe; to try it, join services like Trusted Housesitters , Nomador and Mind My House .

20.   Go   carry-on   only 

Some travel credit cards offer one or two free checked bags. If you have this perk, take advantage of it. If not — or if you want to avoid the hassle of lugging heavy bags — Luna suggests opting for carry-on only. “Nearly every [U.S.] airline charges for checked bags,” she says. “I haven’t checked a bag in more than seven years, mostly because I don’t trust the airline not to lose [it].” Luna also says the carry-on lifestyle is easier than you might think: “Ditch all the unnecessary items like multiple pairs of shoes, purses, accessories, and stick to basics in neutral tones that you can layer.” But, before you pack, make sure to check your airline’s carry-on restrictions. Many airlines — particularly those outside the U.S. — have strict guidelines and will charge you a fee if your bag is overweight or larger than the allowed dimensions.

21. Expand your outbound airport options 

Many Americans live within driving distance of not just one but several airports. If you’re unable to find a budget-friendly flight from your nearest airport, consider looking within a driving radius of a few hours. Even with a drive, this could cut your total transit time — especially if you can nab a direct flight instead of multiple connections — and also save you money. Of course, to ensure you don’t overspend on pricey garage parking, build in plenty of travel time and park away from the main airport lot. Another option is to park nearby and take a shuttle or city transit to the airport. Wally Park has 10 locations in eight cities and allows people to park and shuttle to their airport. Boston’s  Park Shuttle & Fly and The Parking Spot have similar options. Some will even offer a free car wash before you exit. Additionally, you may be able to park a few transit stops away from the airport and save money on parking, too. Always look for coupons on airport parking before you reserve.

22. Invest in travel insurance

Don’t lose your money if you need to cancel a trip; instead, invest in travel insurance. “Travel insurance is important for any kind of travel where you have nonrefundable trip costs at stake that would be subject to you forfeiting money if something disrupted the trip or you had to cancel,” says Stan Sandberg, cofounder of insurance comparison site Travelinsurance.com. “When you’re traveling internationally, it becomes even more important for the traveler because with international travel, you’re going to have a more expensive trip.”

23. Know when to be loyal

When traveling, it can pay to be loyal, whether you get free upgrades on an airline or complimentary internet access with your hotel stay. For airlines, Ewen says determining which brand you’re loyal to should stem from where you live. If your hometown airport is a hub for one specific airline, it’s wiser to prioritize that airline to reap the loyalty rewards — but know that what you’ll get back largely depends on how often you travel. Sometimes, especially for casual travelers, it’s better to keep your options open. “The valuable perks of earning elite status really come for those who travel a ton for work — like once every other week,” Ewen says. So when should you be loyal? “Ask yourself if you would be willing to pay more for a preferred airline flight, or taking a more inconvenient route to be on your preferred airline. If the answer to one or both of those is no, don’t go crazy trying to be loyal.” Additionally, always look for hotel loyalty programs, because even free memberships can come with perks like early check-in, late check-out and the chance to earn rewards for discounted future stays.

24. Rack up points and miles on everyday purchases

You can build your credit card points and miles base not only by flying, but also by strategically spending on everyday purchases, Luna says. Her first rule of thumb: Ditch debit cards. “Use credit cards for everything: home purchases, groceries, renovation and gas,” she says, noting that with many travel credits cards, such as American Express Business Gold, Chase Sapphire Preferred or the Ink Business Preferred Credit, “those small bills can add up to a lot of points.” With these cards, you earn points for your spends, so consider checking to see if you can put your property tax, home insurance, gym membership or phone bill on a card, Luna says.

25. Outsource your travel hacking

Travel hacking can open up a new world of low-cost or free jet-setting opportunities, but you have to know what you’re doing — and it can take a bit of training and time. To help, some travel experts have launched courses on the subject; others offer coaching in travel hacking. But, if you want the travel hacking perks without the time expenditure, Ewen recommends looking into outsourcing, available with companies like I Fly With Miles , Point.Me and Jet Better . “You can basically hire them and pay them a small fee to maximize your points.” 

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Southwest Airlines Accused Of Damaging Wheelchair Basketball Team's Chairs Before Tournament

• Ability 360's wheelchair team faced damage from Southwest Airlines on Friday.
• Disability rights advocates push for safe and dignified assistance for disabled passengers when traveling by air.
• Southwest promised to handle the situation better in the future.

The Ability360 wheelchair basketball team suffered a mishap when traveling on Southwest Airlines between Phoenix, Arizona, and Richmond, Virginia, where they were due to participate in the national championships on Friday. The non-profit corporation plays a vital role in the integration of disabled Americans back into society.

Ability360 offers and promotes programs designed to empower people with disabilities to take personal responsibility so that they may achieve or continue independent lifestyles within the community.

The basketball team helps disabled young people participate in a sport as a team, promoting social well-being and assisting them in living their everyday lives.

A Guide To Accessible Travel: Airports & Special Assistance Services

How the events unfolded.

According to FOX 10 Phoenix , the American low-cost carrier disassembled all their chairs, and many were damaged. In the same article, Justin Walker, a player on the affected team, said he and his teammates were stranded by the airlines. In an interview with the news outlet, he explained his frustration.

If you must take a wheel off to get it through the door, put the wheel back on before it goes under the plane. If you take all those wheels off, what do you think will happen?

You’ve got like a hundred wheels. You got 50 chairs. You don't know who goes to what. You don't know which wheels match, and the only person that knows is on the plane.

Even Christopher Rodriguez, the CEO and chairperson of Ability360, the charity that runs the team and other services, commented on Phoenix journalists, reportedly saying this was not the first time it happened when their sports teams traveled by air. He called on airlines to better care for customers requiring special assistance.

In a statement to FOX 10, Southwest commented on the situation.

We have reviewed the situation and addressed it with the appropriate parties so we are able to provide a better experience for our customers the next time they fly with Southwest.

Traveling with a disability in the USA, what are your rights?

The US Department of Transportation recently proposed an extensive set of rules to improve the experience of travelers with mobility limitations .

• Safe and dignified assistance: Proposes are required to ensure that all airline assistance provided to individuals with disabilities is secure and dignified. Disability rights advocates have reported to the Department that airlines frequently provide unsafe and undignified aid that results in physical injuries and emotional distress to passengers with disabilities.
• Prompt assistance: Proposes to require airlines to provide prompt assistance to passengers with disabilities, including the following
• Personnel and boarding wheelchairs are available to deplane the passenger when the last passenger not requesting assistance deplanes the aircraft.
• The passenger’s wheelchair is available as close as possible to the aircraft's door.

US Airlines Could Be Fined For Mishandling Passenger Wheelchairs Under DOT Plans

• ALL MOSCOW TOURS
• Getting Russian Visa
• Top 10 Reasons To Go
• Things To Do In Moscow
• Sheremetyevo Airport
• Domodedovo Airport
• Vnukovo Airport
• Airports Transfer
• Layover in Moscow
• Best Moscow Hotels
• Best Moscow Hostels
• Art in Moscow
• Moscow Theatres
• Moscow Parks
• Free Attractions
• Walking Routes
• Sports in Moscow
• Shopping in Moscow
• The Moscow Metro
• Moscow Public Transport
• Taxi in Moscow
• Driving in Moscow
• Moscow Maps & Traffic
• Facts about Moscow – City Factsheet
• Expat Communities
• Groceries in Moscow
• Healthcare in Moscow
• Blogs about Moscow
• Flat Rentals

Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

Our Private Tours in Moscow

Moscow metro & stalin skyscrapers private tour, moscow art & design private tour, soviet moscow historical & heritage private tour, gastronomic moscow private tour, «day two» moscow private tour, layover in moscow tailor-made private tour, whole day in moscow private tour, all-in-one moscow essential private tour, tour guide jobs →.

Every year we host more and more private tours in English, Russian and other languages for travelers from all over the world. They need best service, amazing stories and deep history knowledge. If you want to become our guide, please write us.

Contact Info

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119019 Moscow, Russia, Filippovskiy per. 7, 1

Mon - Sun 10.00 - 18.00

Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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• Bureaus and Offices
• Contact HRSA
• Continuation Funding
• Apply for Transitions in Care for Justice-Involved Populations (QIF-TJI)

QIF-TJI Sample Budget Narrative and Personnel Justification Table

You must include a budget narrative and a personnel justification table when you apply for Quality Improvement Fund – Transitions in Care for Justice Involved Populations (QIF-TJI) funding. Your budget narrative shows how you will use the funds you request. Your personnel justification table(s) show how much staff and contractors will be paid from the federal funds.

These samples are for reference only. You may use them to help you write your application. 

The Budget Narrative section of the Notice of Funding Opportunity (NOFO) will tell you what to include. Find the NOFO on QIF-TJI Technical Assistance webpage.

On this page:

Sample budget narrative

Sample personnel justification tables.

Include budget details for each staff position in the Personnel Justification table(s).

Fringe benefits

Include details for both local and long-distance travel.

Include items of movable equipment that cost $5,000 or more and will last one year or more.

Include items that cost less than $5,000 each per unit and other supplies.

Contractual

Clearly explain the purpose of each contract/subaward, how you estimated the costs, and the specific contract/subaward deliverables.

Include justification of costs that do not fit into any other category. In some cases, rent, utilities, and insurance may fall under this category if they are not included in an approved indirect cost rate.

Total Costs

Provide information for all personnel paid with federal funds. 

Do not use federal funds to pay anyone more than Federal Executive Level II of the Federal Executive Pay scale (PDF - 3 KB) . This amount may change annually ($221,900, as of January 2024). This applies to the base salary. It does not include fringe benefits or outside income. 

Refer to the NOFO for further guidance.

Table 1: Year 1 personnel justification table

Total: $391,930 *Use this column only when the salary is over the $221,900 limit.

Table 2: Year 2 personnel justification table

Total: $340,680 *Use this column only when the salary is over the $221,900 limit.