breeze travel insurance reviews

Suggested companies

Breeze esim.

Breeze   Reviews

In the Disability Insurance Company category

Visit this website

Company activity See all

Write a review

Reviews 4.8.

Most relevant

Highly Recommended

As a solo practitioner, Sophie took the time to listen to my needs and then offered me several products without sales pressure. I ended up going with Breeze because their products offered me the best options at the best price. Everything was clear, quick, and easy.

Date of experience : 15 March 2024

Quick, easy and helpful!

Having such a quick, easy process to get myself the coverage I needed was SO much less stress than I thought! The Breeze team was fast to help answer any questions I had with my policy, and I loved being able to modify my plan to suit my needs. I've already recommended Breeze to friends in need of personal coverage!

Date of experience : 13 March 2024

I highly recommend using the Breeze to help you decide on the best insurance/disability plans!

I highly recommend using the Breeze to help navigate any of your insurance and disability needs. The Breeze team were quick to answer my questions and address my concerns regarding the right policy to choose based on my current needs. Their texting feature made it easy to have my questions answered promptly and they were responsive and helpful! Their easy to use quote calculator on the website is what sold me to reach out!

Date of experience : 12 February 2024

Great staff, easy experience

Everyone I spoke with at Breeze was friendly, quick to reply, and guided me through the process. This is the easiest experience I have had purchasing insurance

Date of experience : 27 February 2024

Great experience

It was a great experience and easy way to register without any complicated. the employees was helpful and professional. I wish you a good luck.

Date of experience : 25 February 2024

Fantastic Experience

We had a fantastic experience with Breeze. I would give it a 5 out of 5. Everyone we spoke with and worked with was on top of everything. They did a phenomenal job in communication. And we are very pleased with the rates they found for us. We appreciate how timely they were with everything too.

Date of experience : 09 February 2024

Very pleased with my Breeze Experience

Breeze helped me figure out the right "level" of disability insurance to get. When looking through the system, I THOUGHT I knew what I needed, but after receiving my policy, I had additional questions. I called and spoke with Shay, who was extremely thorough and helpful answering questions about every aspect of the insurance - which really helped me to determine the right policy for me. After that conversation, I was happy to spend $20 more per month than I originally thought, and now I feel more comfortable with the investment I'm making. Additionally, Maria and Riza also were very communicative when my policy came back from Underwriting. I'm very pleased with my interaction with everyone.

Date of experience : 17 January 2024

Excellent Customer Service

I just got a disability insurance plan with Breeze. Everyone at Breeze has been very helpful and quick to respond. It was easy to ask questions and get signed up because of the excellent communication. I have been very happy with my experience so far.

Date of experience : 01 February 2024

Sophia was great

Sophia was great! She gave me all the information I needed and some about short and long term disability plans. It was very helpful and I felt able to make the best decision for what I needed based on the phone call. Thanks

Date of experience : 20 February 2024

Simple and straightforward

I appreciated that it was a simple, straightforward process. The tools to understand monthly payment vs overall coverage were helpful in making the decision that was best for me. I received a response about my application status quickly.

Date of experience : 31 January 2024

The experience was above and beyond…

The experience was above and beyond amazing! I came across Breeze by accident and went on a wim and decided to apply for coverage, little did I know about y'all and ended up getting cheaper coverage than I thought. Navigating the website was very easy and not complex at all. Thank you for your amazing website and help getting me covered! Sincerely Janelle Cruz

Date of experience : 04 November 2023

Don’t Waste Your Time

Got denied coverage after spending two hours on an application because I was diagnosed with anxiety nearly ten years ago (which I no longer struggle with that much). Otherwise in perfectly good health. I’m in my 30s, don’t smoke, perfect weight, never been in an accident, never had any other health conditions. Total scam.

Date of experience : 22 June 2023

Simply the best!

A friend told me about Breeze and how easy it was to sign up. Once i checked the website out i was blown away!! It was so simple, fast approval and affordable pricing. They are doing everything right and I will definitely tell my friends and family about them.

Date of experience : 16 January 2024

One of the only companies to provide a FMLA Family Care Rider to Short Term Disability

It was really easy to apply for short term disability with Breeze. I chose this company because they have a unique family care rider, which can provide some compensation if you need to take maternity leave or leave to take care of your family, are covered under FMLA but your employer won't provide any compensation. I have not had to file a claim, but I'm hoping that process is just as simple.

Date of experience : 17 February 2023

Easy Process with Real Humans

This was a very easy process and every time I had to contact Breeze or Assurity via phone or email, I was met with prompt responses and never had a long hold time on the phone. Everyone I talked to was very helpful and it felt like connecting with a real human, not a robot.

Date of experience : 16 October 2023

Very professional and hospitable.

Very professional and hospitable.. Each rep would acknowledge me and explain if there was any hold up in the process as my application was being reviewed and confirmed. They moved fast and efficient. From the 1st person to the last "CEO"👍🏼 excellent service . That's rare to have quality customers service like that these days. Thanks Breeze team!

Date of experience : 04 May 2022

I’ve decided to try Breeze for my…long term disability policy

I’ve decided to try Breeze for my insurance needs. Couldn’t be more satisfied. Rates are great. Customer service is top notch. Recommend for anyone out there looking for an easy online process and customer support. Able to receive text messages with quick response has been a plus. 5 star company

Date of experience : 17 March 2022

Just what I was looking for!

The process from start to finish was smooth and easy. Everyone was extremely nice and professional. I would definitely recommend to anyone including family and friends.

Date of experience : 21 January 2024

Easy to use

Compared to other online options for disability insurance, Breeze was the easiest to get rates and sign up for. It was very easy to fill out the application and I received a response within a few days. Communication on the phone for follow-ups was easy and quick, too.

Date of experience : 27 October 2023

Easy and knowledgeable

Easy and knowledgeable! Due to a co-worker becoming pregnant at my work - I learned we do not have short term insurance included in my office and immediately set out to find a plan. My husband and I have one son and I work full time / he owns his own business. If something ever happened to me we would be in a financial pinch as most of our income is from me. They helped me pick a plan that is perfect for my (hopefully) growing family, help me get covered and answered all my questions as I read through the fine print of the policy. I'm very happy with what is covered and the plan. I feel like I'm in good hands! 10/10 would recommend.

Date of experience : 25 October 2023

Breeze review

For most, disability insurance is just something that you anticipate is included through your employer and you don’t think much about unless you actually know you need it.

But, if you are self-employed or make a lot of money, it might make a ton of sense to have disability insurance.

It takes less than 20 minutes to get a free quote online, and there’s no obligation. Below I’ll break down Breeze completely, so you can determine if it’s right for you or not.

What is Breeze?

Breeze is an insurance company that was founded in 2019 that offers disability insurance, and they operate entirely online. They named the company Breeze because going their application process is supposed to be a breeze (more on this below).

According to their site, “Breeze is the first insurtech company to modernize disability insurance – an old, confusing product that desperately needed it.”

Breeze works with a company called Assurity Life Insurance, which has been around since 1890 and has close to $18 billion already written in life insurance alone. 

How does Breeze work?

Breeze claims their process for getting a quote is a breeze – so let’s find out if that’s true.

From their homepage, you’ll click “Check My Price” in the upper right corner.

The first step is basic – I need to enter my birthdate and gender.

Note that if you’re female, they’ll ask if you want maternity leave coverage, too.

Next, I need to tell Breeze what kind of worker I am. For the sake of this example, I’ll say I am a small business owner.

Then, I need to categorize the work I do and say if I work at least 30 hours a week or not.

If I say yes to working 30+ hours, I need to specify my income (otherwise it goes to the next step). Then,  I enter my zip code and n eed to say whether or not I use nicotine.

N ext, I have to say what scenario best describes me.  For this demo, I am going to select “Protect My Future”.

Breeze then asks if I want quotes for life insurance, too (I am going to say no).

And after all that, I was told I wasn’t eligible for coverage, but they didn’t specify why.

Now, assuming you do qualify, this is where Breeze would display your options for disability coverage. I have to say, although I don’t qualify, the process of getting a quote was incredibly fast and simple.

Pricing for Breeze

For most, disability insurance is just something that you anticipate is included through your employer and you don’t think much about unless you actually know you need it. But, if you are self-employed or make a lot of money, it might make a ton of sense to have disability insurance.

Because Breeze is an insurance agency, their pricing is going to depend on the person applying for the insurance. And since it’s disability insurance, this can vary greatly. Meaning, some people are a much higher risk than others based on many factors, so their pricing will be higher.

Honestly, the best thing you can do is take 15-20 minutes to complete the simple online application process with Breeze. This way, you’ll know if you can protect your income against disability with a policy that is tailored specifically to you.

Breeze features

Quick application process.

Breeze has its name for a reason. The application takes very little time, and once you have a quote, you can enact the policy in as little as 15 minutes.

For most of us who have very little time to worry about things like disability insurance, this is a huge value add.

Automated underwriting

The online application process is not only quick, but it’s completely streamlined. Breeze has set up a system, through algorithms and their questionnaire, to enable automated underwriting of policy online. If you qualify for automated underwriting, this means you don’t need to wait for a human to review your file – it just works.

Affordable pricing

Breeze focuses on providing affordable disability insurance. Because they operate entirely online, their overhead is low and they can offer far more affordable prices. 

Flexible policies

One of the things that set Breeze apart is the flexibility it has within its policies. They issue policies to anyone between the ages of 18 and 60 years old with benefits ranging from $500 to as much as $20,000.

In addition, they have multiple options for waiting periods (how long you have to wait before your benefits kick in) of 30, 60, 90, 180, and 365 days.

Finally, unlike many insurers, Breeze has guaranteed renewability until ages 65 or 67.

Numerous built-in features

All Breeze policies have a number of built-in features, including things like partial disability, presumptive disability, home modification, organ donor benefits, survivor benefits, and vocational rehab. This just enhances your disability insurance policy even more.

Additional riders

On top of great pricing, flexible terms, and built-in features, Breeze includes several critical riders into their policies, including non-cancelable feature, catastrophic disability benefit, critical illness benefit, and automatic benefit increase.

Free resources

Since disability insurance is a bit obscure, Breeze also offers a resource center that not only has FAQs but a bevy of in-depth guides to better understand this type of insurance.

Some of their better guides I enjoyed were their guides on no exam disability insurance , workers’ compensation insurance , and short term disability insurance . 

Who is Breeze for?

Breeze is primarily for people who need disability insurance. Most importantly, I would say people who don’t already get disability insurance through their employer are the ones who will benefit most from Breeze.  This will typically include people who are self-employed or are gig-workers.

In addition, I would recommend people who are at a higher risk of disability take a look at Breeze. Even if your employer is giving you benefits, if the odds of you becoming disabled are a lot higher (i.e., you’re close to retirement), it might be worth checking into Breeze.

Who shouldn’t use Breeze?

If you already get disability insurance through your employer and you’re younger and generally healthy, there’s really no need to sign up for disability insurance. What you get through your employer should definitely suffice.

The problem is, finding disability insurance specifically can be a hassle. Before Breeze, I honestly wouldn’t have even known where to begin looking. But thankfully Breeze offers disability insurance online – and they make their process super simple.

Pros & cons

• Underwritten by a highly-regarded provider — Breeze has all of its policies underwritten by Assurity Life Insurance, who has been around since the 1800s. So you’re not dealing with a company that’s inexperienced.
• Great coverage — Aside from the perks, the coverage is excellent and will replace at least a portion of your income if you’re hurt or too sick and can’t go to work.
• Lots of flexibility — Breeze has not only a lot of options but plenty of perks within its coverage, including additional riders. They give you multiple options for quotes so you can choose what fits you best and what’s most affordable for what you need.
• Fast quotes — You can get an accurate quote in less than a minute on the Breeze website. So you can literally get your application submitted in about 15 minutes, instead of dealing with a mess of paperwork and waiting weeks.
• They only sell disability insurance — This may be a good thing since they specialize, but I would prefer a company that can take care of multiple insurance-related needs. At one point I was asked if I wanted life insurance, but my understanding is that it’d be offered by their underwriter.
• A brand new company — While their underwriter has been around forever, Breeze itself is only less than a year old.

The competition

Breeze vs policygenius.

Policygenius is a little different than Breeze in that it’s a full-scale insurance broker that offers a plethora of different insurance types. Bear in mind, though, that they don’t actually underwrite the policies, they work with other insurance providers to do that.

So while you can get all of your insurance through Policygenius , they don’t underwrite it – so you’ll have policies with multiple companies if you want multiple types of insurance.

Now that I’ve cleared that up, Policygenius is a pretty great platform to use if you need more than just disability insurance, but their policies for disability are great too. They work with a bunch of different insurance companies (as opposed to Breeze who uses one) to get you the best possible rate.

But with that being said, Breeze’s niche is that they only focus on disability insurance – so they have a more well-rounded system.

» MORE: Read our full Policygenius Review

My experience using Breeze

As you saw above, the information I entered wasn’t qualified for a disability insurance plan. It took me all of five minutes to enter that information, so the process really was a breeze. The next screen would have shown my options, however, if I did qualify.

The one thing that annoyed me was the fact that they didn’t stop me during the process when something I input didn’t qualify (i.e., income, age, location) and they also didn’t tell me why I didn’t qualify at the end. 

It was just a picture of someone doing the international gesture for “oh well” and a link back to their homepage. Not very user friendly in my opinion.

That said, I do like what Breeze is doing – they’ve basically cornered the disability insurance market in a positive way and are positioning themselves as experts in this one particular type of insurance.

If I were going to get disability insurance, I would use Breeze since they focus on one product. I get nervous when my insurer offers me a bunch of different types of insurance because it makes me feel as if they aren’t specialists in any one of them. That’s just my two cents though.

Overall, Breeze makes a lot of sense if you need disability insurance. Yes, they’re a new company, but they’re underwritten by a company that has been around for a very long time – so that brings some assurance. 

I didn’t like how I was “rejected” without any type of understanding as to why, but if you do go through the five minutes it takes to get a quote and you qualify, the process is amazingly simple from that point forward.

Your money deserves more than a soundbyte.

Get straightforward advice on managing money well.

Most financial content is either an echo chamber for the "Already Rich" or a torrent of dubious advice designed only to profit its creators. For nearly 20 years, we've been on a mission to help our readers acheive their financial goals with no judgement, no jargon, and no get-rich-quick BS. Join us today.

We hate spam as much as you do. We generally send out no more than 2-3 emails per month featuring our latest articles and, when warranted, commentary on recent financial news. You can unsubscribe at any time.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Best travel insurance companies of April 2024

Amy Fontinelle

Heidi Gollub

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

Updated 3:40 a.m. UTC April 1, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options. Use this rating to compare top travel insurance plans and find the best match for your next trip.

Best travel insurance companies of 2024

• WorldTrips: Best travel insurance .
• Travel Insured: Best for emergency evacuation .
• TravelSafe: Best for missed connections .
• Aegis: Best for traveling with a pet .
• Travelex: Best for traveling with kids .
• AIG: Best for add-on coverage options .
• Nationwide: Best for cruise itinerary changes .

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Top-rated travel insurance companies , best travel insurance.

Top-scoring plans

Medical limit per person, medical evacuation limit per person, what you should know.

Two WorldTrips plans top our rating of the best travel insurance: Atlas Journey Preferred and Atlas Journey Premier.

The Preferred plan is more affordable and provides $100,000 per person in emergency medical benefits as secondary coverage, with an optional upgrade to primary coverage. Atlas Journey Preferred is also the best travel insurance for cruises .

For a little extra, you can buy the Premier plan, which 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 the 5-star travel insurance plans.
• Atlas Journey Premier has $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan includes travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Best for emergency evacuation

Travel insured.

Top-scoring plan

Travel Insured Worldwide Trip Protector travel insurance offers $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits. If you’re looking for the best travel insurance for international travel, consider the Worldwide Trip Protector plan.

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

Best for missed connections

If you’re worried that missed connections could disrupt your trip, it’s worth considering TravelSafe. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

• 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 top-scoring travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Best for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the top-scoring companies in our rating. It offers basic coverage limits with optional add-ons, such as a Pet Bundle that includes pet medical, pet kennel and pet return benefits.

• Cheapest of the top-scoring travel insurance plans.
• Optional pet bundle adds pet medical expense and pet return benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Best for traveling with kids

If you’re traveling with children age 17 or younger, you’ll appreciate not having to pay extra for their coverage when you buy a Travel Select plan from Travelex Insurance Services.

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

Best for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of optional upgrades. These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

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

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best for cruise itinerary changes

Evacuation limit per person

Nationwide’s Cruise Choice plan 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, when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

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

Compare the best travel insurance companies of 2024

Methodology

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

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

• 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.

What does travel insurance cover?

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

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

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

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

Trip cancellation insurance 

As soon as you buy a travel insurance plan that includes trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy. These reasons generally include unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 

If you cancel your trip for a covered reason, you can expect to be reimbursed for 100% of your prepaid, nonrefundable travel expenses. 

For even greater flexibility, some travel insurance plans offer a “ cancel for any reason ” (CFAR) upgrade. This optional coverage allows you to pull the plug on your trip for any reason at all, as long as you do so at least 48 hours before your scheduled departure. 

Adding CFAR coverage will increase the cost of your plan and it’s important to note that this coverage typically only reimburses 50% or 75% of your expenses, depending on the policy. 

Travel delay insurance

Once your trip is underway, inconvenient delays can be expensive. Travel delay insurance reimburses you for unexpected expenses you incur after a certain waiting period, such as five hours. If your travel is delayed longer than that time because of a reason in your policy, such as severe weather, your benefits can cover needs like airport meals, transportation and even overnight accommodation. 

This coverage usually has daily limits as well as a maximum limit. For example, a travel insurance plan may provide trip delay coverage of up to $150 per day with a $2,000 maximum.

Trip interruption insurance

If you need to end your trip early — again, for a reason listed in your policy — trip interruption insurance comes into play. 

Say a close family member back home is involved in an accident and you need to rush back to be by their side. Trip interruption benefits can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 

Travel medical insurance

Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. 

The best senior travel insurance provides ample travel medical coverage because Medicare does not cover health care outside of the U.S., except in very limited circumstances. 

The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 

Many travel insurance plans cover medical treatment for COVID-19, but not all do. The best COVID travel insurance has generous emergency medical and emergency medical evacuation benefits. 

When comparing plans to find the best medical travel insurance for international trips, check to see if the coverage is primary. If the travel medical insurance coverage is secondary, you will need to file a claim with your health insurance before you can file a travel insurance claim.

Emergency medical evacuation

If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 

Depending on your location and medical condition, emergency transportation could cost tens of thousands of dollars. Our top-scoring travel insurance plans all offer coverage of $1 million. 

Baggage delay coverage

If you arrive safely at your destination but your bags do not, this coverage can help. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you may need while waiting for your bags to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 

Baggage loss and personal effects coverage

Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics. If you’ll be traveling with your laptop or other valuables, read your policy carefully to make sure they’re covered. 

What travel insurance doesn't cover

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

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

Most travel insurance companies offer a free look period when you buy a policy. Take this time — which might be anywhere from 10 to 21 days — to carefully review the plan’s coverages and exclusions, and request a full refund if it doesn’t meet your needs.

“For trip cancellation coverage, travel insurance plans will only cover you for very specific covered reasons listed in a plan’s description of coverage,” said Stan Sandberg, co-founder and CEO of TravelInsurance.com. “If an event is not listed as a covered reason, it won’t be covered unless the consumer opts for a ‘cancel for any reason’ policy.”

“Cancel for any reason travel insurance” upgrade

For the greatest flexibility to cancel, consider adding “cancel for any reason” (CFAR) coverage to your travel insurance plan. This will increase the cost of your policy, but will typically reimburse you for 75% of your trip expenses if you decide to cancel your trip. 

A CFAR upgrade also usually has a number of requirements, such as buying it within seven to 14 days of making your first trip payment and insuring the full amount of your travel costs. But, it will give you the freedom to cancel your trip for any reason, as long as you do so at least two days before your scheduled departure. 

Adding CFAR coverage typically increases the cost of your travel insurance plan by 50%.

Make sure you’re covered: Best COVID travel insurance  

How much travel insurance should I buy?

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

Squaremouth recommends the following coverage limits for international travel: 

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

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

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

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

What is the best travel insurance? 

The best travel insurance for international travel is sold by WorldTrips , according to our analysis. Two WorldTrips plans — Atlas Journey Preferred and Atlas Journey Premier — top our rating of the best travel insurance. But the best travel insurance for you depends on the trip you are planning and the coverage areas that are most important to you. 

Make sure you’re covered: WorldTrips travel insurance review

Best travel insurance for cruises

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

Best travel insurance for COVID

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

Best travel insurance for “cancel for any reason” 

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

Best travel insurance for seniors

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

How much is travel insurance?

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

How much you pay for travel insurance will depend on how expensive your trip is, how many benefits the insurance provides and the age of the covered travelers.

Here are average costs per trip by travel insurance plan, based on our analysis of rates.

Travel insurance cost examples

Average travel insurance costs are based on rates for seven trips with a variety of traveler ages, trip costs and destinations. Travel insurance plans have different levels of included benefits, which can account for price differences.

What affects travel insurance costs?

How much you pay for travel insurance will depend on:

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

How travel insurance works

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

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

How to get travel insurance

To buy travel insurance, you’ll need to submit an online application with information about yourself and your trip, such as your name, age, permanent address, destination, travel dates and total trip cost per person. Since the application is simple, you can easily get quotes from multiple companies on your own. 

Even easier, you can get multiple quotes by submitting a single application online through a travel insurance comparison site like Squaremouth.

How to choose which travel insurance is best for you

When shopping for travel insurance, consider the coverages that are most important to you. For example:

• Travel medical insurance. If you need travel health insurance for international travel, you’ll want a high limit for medical expenses, such as doctor and hospital bills, ambulance, X-rays and medicine. The best travel insurance for seniors includes ample travel medical insurance because Medicare generally does not pay for health care outside of the U.S.
• Emergency medical evacuation. If you’re planning a trip to a remote destination, make sure your travel insurance plan has high limits for emergency evacuation. Squaremouth suggests $50,000 to $100,000 of medical evacuation coverage for most trips but recommends $250,000 for travel to remote locations.

You’ll also want to consider common exclusions , such as:

• Adventure sports. Many travel insurance plans exclude coverage for risky activities such as skiing and scuba diving. Read the fine print of a policy to see what is excluded, or look for a travel insurance company that specializes in covering adventure sports trips, such as World Nomads.
• Named storms. If a hurricane is named before you buy travel insurance, it’s too late to buy coverage and cancel your trip because of the storm.
• Normal pregnancy. Normal pregnancy typically isn’t covered by travel insurance. If you get pregnant after you buy travel insurance, you may be covered for pregnancy-related reasons, but you’ll need to provide medical proof that pregnancy started after your purchased travel insurance. 
• Pre-existing medical conditions. If you have dealt with a health issue — even allergies or asthma — look closely at this common exclusion. Travel insurance plans typically have look-back periods, which could be 60, 90 or 180 days before you bought the policy. If you had symptoms during that time, your claim could be denied if your condition flares up while you’re traveling. If you’re shopping for the best travel insurance for pre-existing conditions, look for plans that offer a pre-existing medical condition waiver. You’ll be eligible for this waiver if you meet specific terms, such as buying travel insurance within days of making your first trip deposit and insuring the full value of your trip.

When to buy travel insurance

The best time to buy travel insurance is immediately after making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. Like other types of insurance, your policy needs to be in place before something goes wrong. It won’t cost you any extra to buy travel insurance far in advance of your trip, and it will cover a longer period of time.

“Purchasing a travel insurance policy at the time of making an initial trip payment offers travelers the most peace of mind,” said James Clark, spokesperson for Squaremouth.

“Knowing they are protected if unforeseen events such as medical emergencies, inclement weather, natural disasters and other trip disruptions occur allows travelers to approach their trip with less worry and more confidence.”

You’d have a hard time buying travel insurance before booking anything because you’d have nothing to insure, Clark said. “With that said, travelers are able to purchase a policy and make modifications, such as updating travel dates or adding expenses to the insurance policy, as they continue to make their travel arrangements.” 

You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing condition waiver or to buy a “cancel for any reason” upgrade.

Where to buy travel insurance

You can buy a travel insurance plan:

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

Using a travel insurance marketplace that will give you quotes for multiple policies is a great way to compare coverage options and pricing to find the best policy for your trip. Buying a policy directly from a travel provider is convenient and might be fine, but it might not meet your needs. 

“If a traveler is heading to the Caribbean with the intention of going scuba diving, it’s unlikely that the policy offered by the airline would cover that activity,” Clark said. “Shopping around for insurance opens the door to other policy providers that may offer a policy that checks all of a traveler’s boxes.”

In addition, while flight insurance , which may be offered through a partnership with a travel insurance provider like AIG or Allianz, may cover travel delays and cancellations, it might not protect you if you get sick during your trip, Clark said. “We highly recommend travelers read the policy’s fine print before making a purchase so they know what’s covered,” he added.

Top 10 travel destinations

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past.

Here are the top destinations travel insurance customers are traveling to — and how much they’re spending on these trips — according to Feb. 2024 data from Squaremouth.

Source: Squaremouth. Based on travel insurance purchased from Jan. 14 to Feb. 13, 2024.

Travel insurance trends in 2024

Here are some key travel insurance trends in 2024:

• As spending on trips continues to rise , so will the price of travel insurance policies.
• People are planning trips further in advance and purchasing 2024 travel insurance earlier, making them eligible for perks like cancel for any reason (CFAR) coverage and a pre-existing conditions exclusion waiver.
• Emergency evacuation, medical coverage and trip interruption remain top concerns for travelers, increasing the search for comprehensive travel insurance plans with more robust coverage — even if it costs more.

“As Americans continue to spend more on vacations, they have more to lose if they need to cancel or return home early. A travel insurance policy is an efficient and cost-effective way to protect that financial investment for trips in 2024,” said InsureMyTrip senior vice president Suzanne Morrow.

Best travel insurance FAQs

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

AIG travel insurance review 2024

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

9 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

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

You might also be interested in:

Carry-on Luggage Size and Weight Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

The Best Way to Renew a Passport in 2024

Online passport renewals are still unavailable.

The Best Carry-on Luggage of 2024

Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson

Discover the best carry-on luggage for your unique travel style and needs.

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

Sponsored Content | Best Travel Insurance Companies in 2022: A…

Share this:.

• Click to share on Facebook (Opens in new window)
• Click to share on Twitter (Opens in new window)
• Click to print (Opens in new window)
• Click to email a link to a friend (Opens in new window)
• Click to share on Reddit (Opens in new window)

Today's e-Edition

• Things to Do
• Real Estate
• Marketplace

Breaking News

Sponsored content | santa clara county nurses prepare for three-day strike over wages, working conditions, sponsored content, sponsored content | best travel insurance companies in 2022: a comparison and review.

TravelInsurance.com Pros

• Provides quotes from multiple trusted providers
• Easy comparison between plans
• Instant coverage when you purchase a plan
• Guaranteed prices
• Quotes for group coverage

TravelInsurance.com Cons

• Sorting through plans can be time-consuming
• Good companies may not be on the marketplace

Travelinsurance.com is a quote and plan comparison site. The company does not offer its own coverage but provides customers a way to search for, compare and purchase plans from multiple well-known and trusted companies.

TravelInsurance.com Travel Coverage Options 5/5 This company tops our list of best travel insurance companies in large part because it gives customers an easy way to find out what range of coverage options are available from multiple providers. Once you input your trip information into the quote tool, you immediately receive your results. It also guarantees the prices it quotes. One great feature of this site is that it allows you to search for group plans .

TravelInsurance.com Customer Interface 4.5/5 The search tool is front and center on the site’s home page. It only asks for your basic trip details, current ages for each traveler and citizenship country. The only thing we wished they would offer is a way to filter coverage options at the beginning of the search, which could cut down on the time it takes to sort through the results.

Travel Insurance.com Customer Support for Travelers 4/5 Travelinsurance.com doesn’t offer its own insurance, so customers who have questions about their policies or need to file a claim must go through the insurer. Customers may be a little confused at the “Claims” menu item, but when they navigate to the page, they find contact information for all the providers on the exchange.

TravelInsurance Customer Satisfaction 5/5 This company has more than 75,000 verified reviews on shopperapproved.com. 98.5% of those reviews give it four or five stars. The company responded to all negative reviews.

Get quotes today.

2. Generali Global Assistance – Best for Emergency Services

Generali Global Assistance Travel Insurance Pros

• Offers three coverage levels
• Easy plan comparisons right on the home page
• Telemedicine is covered on all plans
• No out-of-pocket medical expenses
• Concierge services on all plans

Generali Global Assistance Travel Insurance Cons

• Premiums are higher than other providers
• Cancel for any reason only available at the premium level

Generali Global Assistance is one of the best travel insurance companies out there. Unlike Travelinsurance.com, this and the remaining companies on our list are insurance providers.

Generali Global Assistance Travel Coverage Options 4/5 The company offers three plan levels , and each has an extensive list of benefits. This company gets bonus points for offering medical coverage with no out-of-pocket medical expenses at all coverage levels. Telemedicine is also covered with every plan. Every plan provides access to concierge services. Cancel-for-any-reason protection is only available as an add-on for premium plans, and the coverage is 60% of non-refundable expenses.

Generali Global Assistance Travel Insurance Customer Interface 5/5 Navigating the company website is a breeze. Every page is laid out in a user-friendly format, making it easy for customers to find what they’re looking for. The plans are clearly defined, presented in an overview table and a table that provides more detailed information for closer comparisons.

Generali Global Assistance Travel Insurance Customer Support 4/5 Generali has a 24/7 traveler support hotline with access to around 425,000 service providers in 208 countries, including telemedicine services, providing customers with easy access to help when it’s needed most, an essential feature of the best travel insurance plans. You can also file a claim right from the website. The company has an app for many of its other products, but it doesn’t have one for travel insurance.

Generali Global Assistance Travel Insurance Customer Satisfaction 3.5/5 Rankings vary widely across various review sites, with a low average of 3.3 from Google Reviews (76 reviews) to a high of 4.8 on the company’s website (18,519 reviews). It received an A+ from the Better Business Bureau, but it also had 563 complaints filed against the company with the BBB in the last three years. Customer complaints do not figure into the Bureau’s rating calculations.

Get a free quote .

3. Seven Corners – Best for Budget Travelers

Seven Corners Travel Insurance Pros

• Specialized plans for students and faculty
• Group plans for 10+ travelers
• Discounts on travel-related services
• Five insurance products to choose from for U.S. travelers

Seven Corners Travel Insurance Cons

• It isn’t easy to compare plans
• Trip protection and medical coverage are separate plans

Seven Corners has been in operation for more than 25 years. It provides insurance coverage for U.S. travelers and non-residents visiting the U.S., a unique service on our list of the best travel insurance companies.

Seven Corners Travel Coverage Options 3.5/5 There are five plans available for U.S. citizens, divided into trip insurance and medical insurance, with some services overlapping. However, you have to choose your priority coverage. Seven Corners provides specialized coverage for students, faculty, scholars and their family members, as well as for groups of 10 or more. Some plans have the option to add hazardous sports and cancel-for-any-reason protection.

Seven Corners Travel Insurance Customer Interface 3.5/5 The website is a little cumbersome to navigate, with no easy way for browsers to compare plans. If you are a U.S. citizen, you must choose your state each time you navigate to a new plan before you can see what benefits are included and optional coverages. However, once you do, you are shown a table with very specific details about the plan, helping customers determine which policy offers the best travel insurance coverage for them.

Seven Corners Customer Support for Travelers 3.5/5 Like the other companies on this list of the best travel insurance providers, Seven Corners offers 24/7 assistance worldwide. It has multi-lingual operators who can help with translation services. The company also has a mobile app for Androids and iPhones, though with few reviews posted, it’s difficult to determine how functional the app is.

Seven Corners Travel Insurance Customer Satisfaction 4/5 Out of 3,469 reviews posted through TrustPilot, the company received 81% four- or five-star reviews. 13% of its reviewers gave the company one star, and 2% gave it two stars. Seven Corner’s overall rating is 4.2.

Click here for a quote .

4. Travelex – Best for Traveling with Children

Travelex Travel Insurance Pros

• Children under 17 covered in family plan at no extra cost
• Plan tailored for domestic travel in the U.S.
• Option to add additional medical coverage
• Has a mobile app

Travelex Travel Insurance Cons

• Low emergency medical expense limit for basic plan
• Fewer benefits overall than other providers

Travelex has been offering some of the best travel insurance protection for 25 years. The company keeps it simple, from the website to the claims process.

Travelex Travel Coverage Options 3/5 Travelex offers three plan levels , one of which is tailored specifically for travel within the U.S. The Travel America plan does not provide emergency medical or evacuation services. Overall, Travelex has fewer benefits than Generali, but the plans are also less expensive. Cancel-for-any-reason is an optional upgrade for the Travel Select plans.

Travelex Travel Insurance Customer Interface 4.5/5 Travelex’s website is easy to understand and user-friendly. The home page displays an overview of plan options and a table for easy plan comparisons. An insurance drop-down menu sends customers to the specific information they desire, making it easy for you to find what you’re looking for.

Travelex Customer Support for Travelers 5/5 This company gets kudos for its app, Travel On, which has a 4.5 rating in the Apple Store and allows users to access 24/7 assistance right from the app. It’s one of the standout features that put this company on our list of best travel insurance companies. You can also file a claim, request your policy documents or change your plan right from the website.

Travelex Travel Insurance Customer Satisfaction 3.5/5 Reviews for this company are posted on Reseller Reviews. The company’s average rating is 4.29, with 2,668 reviews. 93% of its customers give the company four or five stars, while 3% give them a one- or two-star rating.

Click here for more information .

5. Arch RoamRight – Best for Frequent Travelers

Arch RoamRight Travel Insurance Pros

• Six plan levels
• Multi-trip plans available
• Medical coverage is the only option
• Cancel for work include on Pro Plus plan

Arch RoamRight Travel Insurance Cons

• Difficult to compare plans
• Website is not as user-friendly as other company sites
• No cancel for any reason option

Arch RoamRight launched in 2012, providing customers with direct access to travel insurance. They offer typical travel insurance plans and stripped-down plans for medical expenses or rental car coverage only.

Arch RoamRight Travel Coverage Options 4/5 You have a few plan choices with Arch RoamRight, which is one of the reasons it made it on our list of best travel insurance companies for 2022. There are six options for coverage , but it doesn’t have many upgrades, nor does the company offer cancellation for any reason. It does have cancel-for-work coverage on the Pro Plus plan, and there is the option to get hazardous sports coverage.

Arch RoamRight Travel Insurance Customer Interface 2.5/5 The website is not as user-friendly as other companies on this list. Customers have no easy way to compare detailed coverage information between plans. The quote tool is on the home page, and it does have a page that summarizes each plan. Filing a claim online is easy, and the company provides the option to choose electronic payment for faster payment.

Arch RoamRight Customer Support for Travelers 4/5 Travelers have access to 24/7 support when traveling, including language translation assistance. Adequate customer support is essential for the best travel insurance coverage. Arch RoamRight also has an app for both iPhone and Android users. In both cases, there aren’t many reviews to gauge how well the app works.

Arch RoamRight Customer Satisfaction 3.5/5 RoamRight uses TrustPilot for its reviews. Out of 1,373 reviews, 84% of reviewers gave the company four or five stars. It received a higher percentage of one-star ratings (9%) than many other companies on the list.

Learn more . 6. World Nomads – Best for Adventure and High-Risk Travel

World Nomads Travel Insurance Pros

• Coverage for 200+ high-risk activities
• Option to purchase coverage after you start traveling
• Allows purchasers to make a micro-donation for community development

World Nomads Travel Insurance Cons

• Policy details aren’t clear
• No policy comparison table

World Nomads is a unique insurance company designed by travelers for travelers. This aspect of the company profile is one of the reasons it made it on our best travel insurance companies list for 2022.

World Nomads Travel Coverage Options 4/5 World Nomads scores high in this category for the company’s coverage of 200 + high-risk activities . It covers everything from bungee jumping to scuba diving, camel riding to skijoring. There aren’t many other insurance companies that can boast of such an extensive list of covered activities. It has most other standard coverage options, but it lacks cancel-for-no-reason coverage.

World Nomads Travel Insurance Customer Interface 4/5 The website is appealing and informative, with much information about topics that interest nomadic travelers, making it among the best travel insurance sites for travel resources. The biggest ding here is that it takes some digging to figure out that you can set the website’s country of origin to get more detailed coverage information.

World Nomads Customer Support for Travelers 3.5/5 Through a partnership with Generali Global Assistance, travelers have access to 24/7 customer support worldwide. You can file your claim online, but the company does not have a mobile app for travelers.

World Nomads Travel Insurance Customer Satisfaction 2/5 The website does not provide detailed rating information, which is a big ding for this company. The site states that the company has a 4.0 average rating through TrustPilot, but no links or reviews are available.

Get your quote now .

7. AIG Travel Guard – Best for Travel Flexibility

AIG Travel Guard Insurance Pros

• Five plans to choose from
• Option to purchase specialty plans
• Easy to compare plans
• Last-minute and annual plans available
• Cancel-for-any-reason coverage

AIG Travel Guard Insurance Cons

• Higher premiums than other insurers on the list
• Some plans require a phone call to add optional coverage

AIG Travel Guard provides some of the best travel insurance coverage for those who need flexible options. The company offers last-minute travel plans and annual policies, along with three single-trip coverage options.

AIG Travel Guard Coverage Options 4/5 Travel Guard gives travelers five choices for coverage, many with the option to add cancel-for-any-reason coverage. In contrast, almost every other provider on the list only offers this coverage at the highest plan level. One of the great things about this company’s CFAR coverage is that customers can choose a reimbursement level of 50% or 75% . Travel Guard Plus is an additional plan that offers adventure sports coverage, but you can’t purchase the plan online. Premiums are steeper than most.

AIG Travel Guard Insurance Customer Interface 4/5 The website is easy to navigate and provides customers with coverage summaries and a comparison table. However, customers interested in any of the “offline” travel insurance packages must call to find out more information and purchase coverage, creating a hurdle for customers who want to know if these plans provide the best travel insurance coverage for them.

AIG Travel Guard Insurance Customer Support 4/5 Travel Guard customers have access to 24/7 support for help with unexpected travel events, medical emergencies and concierge services (available for some plans). You can file a claim online, but the company does not have a mobile app.

AIG Travel Guard Insurance Customer Satisfaction 3.5/5 The customer reviews on Travel Guards website give the company a 4.6-star rating, with 6,415 reviews. The poor ratings seem to be related to customer service, which is what cost this company points for customer satisfaction.

Find out your options .

8. HTH Travel Insurance – Best for Global Travel

HTH Travel Insurance Pros

• Trip, medical and ex-pat health plan options
• Medical coverage options for those with and without primary health insurance
• Cancel for any reason offered at preferred level

HTH Travel Insurance Cons

• Clunky website
• Hard to find out what customer support is offered

HTH offers medical and trip protection coverage for U.S. travelers. They also provide medical coverage for ex-pats living abroad, a service that boosts its rankings on our best travel insurance companies list.

HTH Travel Coverage Options 4.5/5 HTH has excellent coverage options for global travel. The company offers two types of medical coverage for travelers and two types for ex-pats. HGH also has three plan levels for trip protection. Cancel-for-any reason coverage is available with the preferred plan and offers 75% reimbursement.

HTH Travel Insurance Customer Interface 2.5/5 The website is clunky, making it less user-friendly than other sites on this list. You can generally find the information you need, but the layout and design aren’t appealing or intuitive.

HTH Customer Support for Travelers 4/5 HTH customers get access to healthcare professionals, including behavioral health practitioners, in 190 countries. The company pays for medical services directly, so there is no need to worry about reimbursements. The company would benefit from developing a mobile app.

HTH Travel Insurance Customer Satisfaction 2/5 This company gets a low rating for customer satisfaction because it does not provide any information on customer reviews. Reseller Reviews shows 309 reviews for HTH, with an average of 4.32 over the company’s lifetime but 3.89 over the past six months.

Find a policy .

How We Made Our Selections

When we researched the best travel insurance companies for 2022, we examined each contender based on the criteria that are most important when looking for trip protection:

• Coverage options : We included companies on our list that provided customers with multiple plan options for travelers with different needs. We looked for providers that understand travelers’ unique needs and offer upgrades and add-ons that benefit a wider range of circumstances.
• Customer interface : It is often challenging to find what you’re looking for in an insurance plan. We evaluated companies based on how easy their websites are to use and how easy it is to access information.
• Customer support : Emergencies don’t always happen during business hours, especially when traveling to different time zones. Customer support was high on our criteria for the best travel insurance. Providing customers with 24/7 emergency support is critical for travelers. Companies that offered extras such as translation services got a boost in points.
• Customer satisfaction : It doesn’t do any good for a company to offer benefits and services if it doesn’t deliver on its promise. We evaluated customer reviews for overall customer satisfaction.

Travel Insurance Buying Guide

This brief guide answers the most common questions people ask about travel insurance when considering purchasing coverage.

Do I Need Travel Insurance? While travel insurance isn’t mandatory, it’s usually a good idea to purchase it for the trip protection it provides. Travel involves numerous uncertainties, especially if you take an overseas journey.

Insurance protects you from the financial losses you may incur from canceled or interrupted trip plans, a medical emergency or lost luggage. It’s a relatively inexpensive investment for the value and peace of mind you get.

Related: Best Pet Insurance

What Kind of Protection Does Travel Insurance Offer? Coverage options can vary between and within companies. At the most basic level, the best travel insurance policies offer health care coverage for medical emergencies; reimbursement for trip delays, interruptions and cancelations; and lost personal effects.

Though these coverages are generally standard, there are differences in limits, exclusions and qualifying events. Many insurers also offer popular add-on features such as cancel-for-any-reason protection and adventure sports coverage.

How Much Does Travel Insurance Cost? The cost of a policy depends on the plan you choose. Many companies provide different plan levels that let you select the type of coverages that best meet your travel needs.

Regardless of what plan level or coverage options you select, insurance companies generally determine your premium based on the total cost of your trip. Your age factors into the equation, too. It’ll also cost you more to cover high-risk activities.

Will Travel Insurance Cover My Trip if I Cancel? The best travel insurance companies offer cancel-for-any-reason coverage. This coverage is not included in standard plans, but it is provided as an add-on or as part of premium-level plans. With this type of coverage, you get reimbursed for a percentage of your trip’s non-refundable costs, no matter what your reason is for canceling.

Without this extra coverage, insurance companies cover trip cancelations only if they meet specific criteria (such as a medical emergency that makes it impossible for you to travel). Often, they also only reimburse you for a percentage of the cost.

Does Travel Insurance Pay When You File a Claim? As with any type of insurance, your claim must meet the provisions established in your policy. Even the best travel insurance policy will only cover you for the portions of your trip that are non-refundable.

If, for example, you buy a refundable plane ticket and have to cancel your trip, the insurance company does not reimburse you for your ticket. However, if you have a non-refundable ticket and your trip cancellation meets the requirements of your policy, then you get reimbursed for the cost of your ticket.

How Do I Choose the Best Travel Insurance Policy for My Trip? When deciding on the right policy for you, it’s essential to look at your specific needs. There’s no sense in purchasing a policy that provides benefits you’ll never need. Likewise, you want to make sure you get a plan that covers the risks you face when you travel.

Once you know what you want in a policy, search for companies that offer the right coverage options for you, with easy-to-access information and quotes. You also want to know that you can get the support you need when you need it. Lastly, it’s a good idea to make sure past customers have been happy with the insurers’ services.

Related: Best Dental Insurance

Best Travel Insurance Company Comparison

TravelInsurance.com

• Ability to compare between companies
• Emergency Medical Coverage: Varies
• 24/7 Customer Support: Most companies offer with basic plans
• Cancellation for Any Reason: Available through multiple companies

Generali Global Assistance

• Assistance for travel companions and pets
• Emergency Medical Coverage: $50,000 – $250,000 per traveler
• 24/7 Customer Support: Yes
• Cancellation for Any Reason: Available with the premium plan

Seven Corners

• Has options for budget travelers
• Emergency Medical Coverage: $10,000 – $1,000,000 per person
• Cancellation for Any Reason: Option for Round Trip Elite Plan
• Under 17 dependents covered at no added cost
• Emergency Medical Coverage: $15,000 – $50,000 per person, upgrade options
• Cancellation for Any Reason: Available as an upgrade

Arch RoamRight

• Offers an annual plan for multi-trip coverage
• Emergency Medical Coverage: $25,000 – $500,000 per traveler
• Cancellation for Any Reason: No, but cancel for work reasons option available

World Nomads

• Coverage for 150+ high-risk activities
• Emergency Medical Coverage: Up to $100,000 per traveler
• Cancellation for Any Reason: No

AIG Travel Guard

• Option for last-minute travel
• Emergency Medical Coverage: $15,000 – $100,000

HTH Travel Insurance

• Offers discounts for groups of 5+
• Emergency Medical Coverage: Up to $1,000,000
• Cancellation for Any Reason: Option for TripProtector Preferred

The Best Travel Insurance Companies Offer Something for Everyone

Our list of the best travel insurance companies for this year provides stellar coverage for every type of traveler. The right company for you depends on what you need from your provider. Whether you need annual coverage for multi-trip protection or a policy that covers you for your wildest adventures, one of these companies has what you’re looking for.

The news and editorial staffs of the Bay Area News Group had no role in this post’s preparation.

More in Sponsored Content

Sponsored Content | The most efficient BEV, HEV, and PHEV of 2024

Sponsored Content | Elite 2024 BMW XM SUV pushes limits of rogue fun

Sponsored Content | The 2024 Volkswagen Atlas Cross Sport SEL Premium R-Line SUV

Sponsored Content | Sponsored: You can get what you want, but buyers need to take charge

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Allianz Travel Insurance Coverage Review — Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3062 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

Allianz epidemic coverage endorsement, onetrip plans — for affordability and select coverages, alltrips annual plans — cover all of your trips for a 12-month period, how to obtain a quote with allianz, onetrip emergency medical plan, onetrip cancellation plus plan, rental car damage protector, allianz vs. credit card travel insurance, allianz vs. other travel insurance companies, allianz vs. point-of-sale travel insurance and protection, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

There are a lot of choices when it comes to travel insurance companies , so narrowing your selection to those that have a solid financial rating, offer products that provide good value, and receive high customer ratings should be baseline criteria.

Allianz Global Assistance company ( Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products. It also serves over 45 million customers in the U.S. each year with 84% of those customers giving the company a 5-star rating.

Allianz has also been around a long time. In fact, the company was there to insure the Wright Brothers’ first flight and the construction of the Golden Gate Bridge — so you know you’re working with an established organization. You’ll also find that Allianz does business in more than 35 countries.

Let’s take a look specifically at Allianz Travel’s insurance products, show you how to obtain a quote, and give you some tips on purchasing and comparing travel insurance policies.

And while our focus is on Allianz Travel coverage, much of our information can apply to purchasing travel insurance in general.

Travel insurance can protect your trip investment with coverage for disruption due to unforeseen events such as severe weather, should you become ill, for illness in your family, missed connections, medical emergencies, and more.

Deciding whether to purchase travel insurance for your trip is an option each time you make a travel booking. The coverage is commonly offered by airlines, cruise companies, tour operators and other travel providers at the point of sale. If you travel infrequently and the cost is relatively low, you may just opt for the coverage during the booking process.

However, if you’re going to be taking several trips, you may be able to save money and receive better coverage if you compare with other travel insurance policies in the marketplace. Additionally, you’ll want to determine if it makes sense to purchase single insurance coverage for each trip or an annual all-trips-included policy.

Situations where it makes sense to purchase travel insurance include the following:

• You’re booking an expensive trip that includes a lot of non-refundable upfront expenses
• Your trip includes several travel providers (i.e. airlines, hotels, and tour operators)

While travel insurance is meant to cover unforeseen events, purchasing Cancel for Any Reason coverage may allow you to cancel your trip for any reason.

Bottom Line: If you’re uncomfortable with the amount of money you have at risk when you travel, securing travel insurance can provide immediate peace of mind . You’ll have solace in knowing that if you needed to cancel your travel plans due to a covered event or if your travel is disrupted, you’ll be able to recoup most, or all, of your investment.

Travel Insurance and the COVID-19 Virus

Most travel insurance policies do not provide coverage for trip cancellation due to fear of the coronavirus pandemic . However, COVID-19 is an included illness on many travel insurance policies as it relates to certain coverages such as emergency medical care while traveling and canceling a trip if you become ill with the virus. You may also have coverage if a family member or travel companion contracts the virus and you must cancel your trip as a result.

The only way to cover trip cancellations due to fear of contracting COVID-19 is to purchase Cancel for Any Reason insurance. This coverage can be added to a comprehensive travel insurance policy (with limitations) and subsequently allows you to cancel your trip for any reason.

While Allianz does not offer Cancel for Any Reason insurance , it may cover COVID-19 related illness in the following circumstances:

• Emergency medical care while traveling
• Trip cancellation due to becoming ill with the virus

Allianz recently announced that it is adding a new endorsement to select policies that will offer limited coverage for COVID-19 . Circumstances such as becoming ill with COVID-19 and having to cancel your trip, hospitalization, and trip delays due to such illness while traveling will have coverage.

Emergency transportation coverage has also been expanded to include COVID-19-related illness. Terms and conditions apply and the endorsement is not available on all policies Allianz offers.

You can find policies that offer Cancel for Any Reason insurance at TravelInsurance.com  and Aardy.com .

Bottom Line: Travel insurance policies normally do not cover canceling your trip because of fear you might get ill. However, Cancel for Any Reason insurance allows you to cancel a trip for any reason you determine is necessary. 

Types of Travel Insurance Policies Available With Allianz

Allianz Travel offers 2 core types of travel insurance plans: single trip plans and multi-trip plans . Each plan allows you to select the level of coverage you want and subsequently, the level of premium you prefer to pay.

We’ve used criteria to obtain a quote for a traveler age 35, traveling for 1 week to Mexico on a trip costing $3,000 . All benefits are per person, per trip, unless otherwise noted.

The single trip option allows you to select from a Basic, Prime, or Premier plan. Premiums vary by plan and coverage levels.  For the example we selected, the premiums ranged from  $116 for the Basic to $192 for the Premier pla n .

OneTrip Basic Plan — the Most Affordable Plan

The OneTrip Basic plan offers basic trip protection at an affordable price.

OneTrip Prime Plan — the Most Popular Plan

Need more coverage but still want your travel insurance protection to be affordable? The OneTrip Prime plan offers higher coverage limits at a reasonable cost.

The following are the maximum coverage limits for OneTrip plans. These coverages can be found under the OneTrip Premier Plan:

• Trip Cancellation —  up to $100,000 reimbursement for prepaid non-refundable expenses; pre-existing medical conditions included
• Trip Interruption —  up to $150,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event; pre-existing medical conditions included
• Emergency Medical — up to $25,000
• Emergency Medical Transportation — up to $500,000 for transportation to the nearest medical facility
• Baggage Loss/Damage — up to $1,000 for theft, loss, or damage
• Baggage Delay —  up to $300 for delays 12 hours or more
• Trip Delay — up to $800 ($200/day for 4 days) for delays of 6 hours or more, for eligible expenses; an option to receive $100/day with no receipts required is also available
• Change Fee Coverage — $500
• Loyalty Program Re-deposit Fee Coverage — $500, covers re-deposit of points/miles due to covered trip cancellation
• 24 Hour Hotline Assistance
• Optional coverages include pre-existing medical coverage, rental car coverage, and required to work coverage — restrictions apply

Also worth noting is that kids age 17 and under are covered at no additional charge when traveling with a parent or grandparent.

Bottom Line: Allianz offers several levels of single-trip travel insurance plans that can fit every budget and level of coverage needed. 

If you’re a frequent traveler and want to ensure all of your trips are covered without having to purchase individual travel insurance policies, one of the AllTrips plans might be an appropriate choice. All of the trips you book within the 12-month policy period are covered automatically.

Coverage limits are per person, per trip, but more than 1 person can be included in the policy. Children 17 and under are covered at no additional charge when traveling with a parent or grandparent.

The AllTrips Executive plan is the most comprehensive policy and includes the maximum coverage limits listed below . AllTrips Prime and AllTrips Basic have less coverage than the Executive plan but may still be appropriate for your situation.

For example, the AllTips Basic plan does not include trip cancellation/interruption insurance but has emergency medical, evacuation, trip delay, baggage insurance, and car rental insurance.

• Trip Cancellation —  up to $10,000 reimbursement for prepaid non-refundable expenses
• Trip Interruption —  up to $10,000 reimburses for remaining non-recoverable expenses and increased cost of return transport due to trip interruption as the result of a covered event
• Emergency Medical — up to$50,000
• Emergency Medical Transportation — up to $250,000 for transportation to the nearest medical facility
• Baggage Loss/Damage —  up to $1,000 for theft, loss, or damage
• Baggage Delay — up to $1,000 for delays 12 hours or more
• Trip Delay —  up to $200 per day for eligible expenses, up to $1,600 in coverage , for delays of 6 hours or more
• Rental Car Damage and Theft — up to $45,000
• Business Equipment Coverage — up to $1,000
• Change Fee Coverage — up to $500
• Loyalty Program Redeposit Fee — up to $500
• Travel Accident Insurance — up to $50,000
• Concierge Services
• Optional Pre-Existing Medical Coverage — restrictions apply

Bottom Line: Allianz’s AllTrips 12-month plans offer affordable options to cover every trip you have booked or have yet to book within a 12-month period. 

Travel insurance is one of the easiest policies for which to obtain a quote and subsequently purchase a policy. Unlike auto or home insurance, you simply input some basic information about your trip, your age, where you reside, and your quote is instant.

You can then read through the coverages, select a policy that fits, and hit the purchase button. There is also no risk as you’ll have a free-look period where you can review the policy and decide whether to keep it or not.

If not, you can get a full refund. This period can be 10-14 days after purchase , depending on your plan and state regulations.

Additional Travel Insurance Offered by Allianz

In addition to the travel insurance packages offered by Allianz, you can purchase these additional plans and coverages available for single trips:

If trip interruption/cancellation is not important to you, you’ll find this plan with emergency medical, baggage insurance , emergency transport, travel accident coverage , and trip delay an affordable alternative.

If you need to cancel your trip for a covered reason or your trip is interrupted for a covered event, you’ll have coverage. Trip delay and 24-hour assistance are included.

For $9 per day, receive rental car damage/theft coverage, rental car trip interruption protection, and baggage loss coverage.

Hot Tip: If trip cancellation/interruption or trip delay coverage comes with your credit card is adequate for your trip but you want additional medical coverage, the Allianz’s OneTrip Emergency Medical plan may be a viable and affordable supplement. 

How Allianz Compares

When it comes to comparing travel insurance policies, it’s difficult to match apples to apples. Coverages vary widely, as well as terms and conditions. The lowest-priced policy is not always the best value for your needs. The flip side is possible, too. You may find a policy with plenty of coverage at a price that is more than you want to spend.

The best solution is when you find a balance between coverage and cost.

Here’s how Allianz’s travel insurance offerings compare with other travel insurance options.

The coverage that comes with your credit card does not compare with a comprehensive travel insurance policy . In addition to the limited travel insurance coverage credit cards offer, if you do have a claim, you’ll have the potential hassle of dealing with a third-party claims administrator.

With that being said, the trip cancellation, trip interruption, trip delay insurance, and primary rental car insurance coverages found on several credit cards may be more than adequate for your trip.

Here are some of the best credit cards for travel insurance:

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

American Express Membership Rewards

• Amex Platinum 150k Welcome Bonus Offer
• Benefits of The Amex Platinum
• How to Use 100,000 Amex Platinum Points
• Amex Platinum Card Requirements
• American Express Platinum Military Benefits
• Amex Platinum and Business Platinum Lounge Access
• Amex Platinum Benefits for Authorized Users
• Amex Platinum vs Delta Platinum
• Amex Platinum vs Chase Sapphire Reserve
• Capital One Venture X vs Amex Platinum
• Amex Platinum vs Delta Reserve

The Amex Platinum card comes with trip cancellation and trip interruption insurance with a benefit of $10,000 per trip, up to a maximum of $20,000 per account per 12-month period.

Pay for your trip with your eligible card and you, your immediate family, and eligible traveling companions are covered for non-refundable expenses paid to the travel provider. Trip interruption coverage will also reimburse for additional travel expenses incurred due to a covered loss during your trip.

Trip delay coverage is also included on the Amex Platinum card for delays more than 6 hours. Reimbursement for incidentals and eligible incurred expenses is limited to $500 per trip with 2 claims allowed per 12-month period.

The Amex Platinum card also comes with emergency medical evacuation coverage .

For more information, check out our detailed guide to the travel insurance benefits offered by the Amex Platinum card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Ultimate Rewards

• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
• Chase Sapphire Preferred Credit Score Requirements
• Military Benefits of the Chase Sapphire Preferred
• Chase Freedom Unlimited vs Sapphire Preferred
• Chase Sapphire Preferred vs Reserve
• Amex Gold vs Chase Sapphire Preferred

Pay for your trip with your eligible card for up to $10,000 in coverage per person, $20,000 per trip, and up to $40,000 in a 12-month period. You and your qualifying immediate family are covered.

You’ll also find primary car rental insurance on the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® card .

To learn more about the travel insurance benefits on the Chase Sapphire Preferred card , you’ll want to review this detailed article.

Chase Sapphire Reserve ® Card

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve

In addition to the same trip cancellation/interruption/delay coverage as the Chase Sapphire Preferred card, the Chase Sapphire Reserve card offers up to $2,500 in emergency dental and medical coverage , emergency medical evacuation .

For more information check out this guide to all of the travel insurance benefits offered by the Sapphire Reserve.

Before purchasing any travel insurance policy, it’s wise to compare — fortunately that’s an easy task to execute. With comparison sites such as the ones listed here, you can compare as many as 100 travel insurance policies very quickly and find a policy that fits your situation and budget.

Keep in mind that insurance rates and coverages are highly regulated by the states . Insurance companies file a certain policy for a certain price with the state insurance commission, then the company is allowed to offer that policy, at that price, in that state.

For this reason, you won’t find the same policy offered at different prices. However, you could find a policy that is a better fit and possibly for less money by comparing several companies’ offerings.

Not all comparison sites include Allianz but when comparing similar policies, you’ll find that the company is competitively priced (a few companies lower and many companies higher). Individual results will vary based on your criteria.

Here are 4 websites that allow you to easily compare travel insurance policies.

• Insure My Trip — With over 60,000 customer reviews, 21 highly-rated travel insurance providers, and a best price guarantee, Insure My Trip makes it easy to find the right travel insurance policy.
• Travelinsurance.com — Compare major top-rated travel insurance company policies easily with this licensed online insurance search engine.
• SquareMouth — This popular travel insurance search engine offers easy comparisons of hundreds of policies offered by dozens of highly-rated insurance companies.
• Aardy — AardvarkCompare is a licensed travel insurance company with agents on staff to help you find the right travel insurance policy. Its website allows you to compare the policies of over 30 travel insurance providers.

There are also specialty companies such as World Nomads  that do a great job providing travel insurance for active individuals. If you’re into outdoor sports, adventure activities, or even more risky activities such as skydiving, you can find coverage through World Nomads.

Bottom Line: If you’re looking to purchase a travel insurance policy, you’ll want to compare companies and policies . First, look at companies with a strong financial rating, select a policy with coverages that are a priority to you, then select a premium you’re comfortable paying. 

Allianz is actually one of the companies that provides the travel insurance you’re offered when you book a flight. An example is displayed in the above image of their offerings when you purchase a Delta Air Lines ticket.

Point-of-sale travel insurance, however, can run from inexpensive options that offer little coverage to expensive options that provide greater coverage but still have limitations, similar to stand-along travel insurance policies.

If you fly once or twice a year, the coverage is adequate for your needs, and the cost is reasonable, you may easily choose to go this route and purchase coverage at the point of sale. However, you may fare better by securing a separate travel insurance quote to compare coverage/cost.

Always read the fine print before purchasing any coverage to ensure you’re getting the coverage you expect. For example, one might assume by looking at this example that canceling the trip would be covered, when in reality the covered reasons are limited.

Bottom Line: Even for point-of-sale travel insurance to cover a single travel purchase, it’s good to get a comparison quote. Securing a quote may save you money while offering broader coverage that could cover your entire trip versus just a portion of it. 

Allianz is a solid, established, company offering a nice selection of packaged travel insurance products. Its website is easy to use with a quick quoting function and a simple purchase process. The site is also easy to understand as it is clearly written in plain language rather than legal verbiage.

One downside of Allianz is that the company does not sell Cancel for Any Reason Insurance . This is not an issue if you understand this up front and know that your policy does not allow you to cancel a trip for just any reason. After all, this is the case with most travel insurance — there are specific covered reasons for being able to cancel a trip and have coverage.

Cancel for Any Reason insurance can also result in a premium as much as 70% more than a standard policy, so many travelers may not consider it due to its cost.

If money is not a concern, you can purchase as much insurance as you’d like to have. However, in reality, purchasing travel insurance that works for you involves finding a balance between the coverage you want and the maximum premium you’re willing to pay.

Allianz is a respected company that offers a variety of policy choices with appropriate coverage for the majority of travelers at price points that fit most budgets.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

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

Frequently Asked Questions

Is travel insurance worth it.

Yes, it can be worth it. If you are uncomfortable with the amount of money you would lose or be forced to pay in the event you had to cancel your trip or if you incurred disruption while traveling, you should purchase travel insurance.

An inexpensive trip or single flight may not warrant purchasing travel insurance, but insuring an expensive or complicated trip where you have a lot of non-refundable prepaid expenses at risk makes economic sense.

Travel insurance also provides the intangible benefit of peace of mind, knowing you are protected if you have to cancel due to a covered event or your trip is disrupted once in motion.

What is covered for trip cancellation?

There are limited covered reasons for receiving a benefit from trip cancellation insurance. The number 1 reason most travelers cancel their trips, according to InsureMyTrip.com , is the unforeseen illness of the traveler or of family members.

Fortunately, this is a covered reason for trip cancellation, although the level of coverage varies by company and policy.

Additional covered reasons can include death, hospitalization, or accident to you or covered family, legal obligations, your home becomes uninhabitable, the default of the travel provider, or natural disaster.

Deciding not to take a trip is not a covered reason for trip cancellation. Cancel for Any Reason insurance must be purchased in order to cover canceling a trip for a reason you personally deem necessary.

Does travel insurance cover flight cancellations?

Yes, travel insurance can cover flight cancellations in certain circumstances and depending on the policy purchased.

However, if an airline cancels your flight, whether prior to travel or during your travels, you would first contact the airline or the agency where you purchased your ticket for rebooking, a refund, or travel credit.

If you are not made whole, you could then look for coverage in your travel insurance policy.

If a flight is canceled due to weather during your travels, for example, and you are forced to incur unexpected expenses as a result, you could have coverage under a travel insurance policy if these expenses are not covered, or insufficiently covered, by the airline.

There could also be coverage under trip interruption/delay insurance if an airline cancels a flight and it causes you to miss ongoing travel which has been prepaid and is non-refundable.

Which is the best travel insurance company?

The best travel insurance company will have a high financial rating from a respected insurance industry rating company such as A.M. Best, offer a selection of coverages that matches your protection priorities, and does this at a price you’re willing to pay.

You should check reviews as well, keeping in mind that most consumers want to pay the least amount of money they can at the time of purchase and by doing so, coverage can be sacrificed. When there’s a claim, it’s natural to want the highest degree of coverage, although that may not have been the level purchased.

Was this page helpful?

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Personal Finance Accounts Best Credit Cards Best Financial Advisors Best Savings Accounts Apps Best Banking Apps Best Stock Trading Software Robinhood Alternatives TurboTax Alternatives Brokers Brokerage Account Taxes Brokers for Bonds Brokers for Index Funds Brokers for Options Trading Brokers for Short Selling Compare Online Brokers Forex Brokers Futures Brokers High-Leverage Forex Brokers MetaTrader 5 Brokers Stock Brokers Stock Brokers For Beginners
• Insurance Car Best Car Insurance Rental Car Insurance Motorcycle Best Motorcycle Insurance Seasonal Insurance Vision Best Vision Insurance Types of Vision Insurance Vision Insurance For Kids Vision Insurance For Seniors Health Affordable Health Insurance Best Health Insurance Companies Individual Health Insurance Self-employed Health Insurance House Earthquake Insurance Flood Insurance Homeowners Insurance Mobile Homes Moving Insurance Renters Insurance Sewer Line Dental Affordable Dental Insurance Best Dental Insurance Dental Insurance With No Annual Maximum Dental Insurance With No Waiting Period Kids Dental Insurance Medicare Compare Medicare Plans Cost of Hospital Stays Life Term Life Insurance Business Best Business Insurance Pet Best Pet Insurance
• Investing Penny Stocks Best EV Penny Stocks Best Penny Stocks Penny Stocks Under 10 Cents Penny Stocks With Dividends Futures Best Futures Trading Software Futures to Trade Futures Trading Courses Strategies Trading Platforms for E-Mini Futures Stocks Best Stock Charts Best Stocks Under $50 Best Stocks Under $100 Best Swing Trade Stocks Best Time to Trade Cash App Stocks How to Invest Stock Market Scanners Stock Market Simulators Stocks to Day Trade Forex Forex Demo Accounts Forex Robots Forex Signals Forex Trading Apps Forex Trading Software How to Trade Forex Making Money Trading Forex Trading Courses Trading Strategies Options Options to Buy Options Trading Apps Options Trading Books Options Trading Courses Paper Trading Swing Trading Options Trading Examples Trading Simulators Trading Software Trading Day Trading Apps Day Trading Books Day Trading Courses Day Trading Software Day Trading Taxes Prop Trading Firms Trading Chat Rooms Trading Strategies Alternative investing Alternative Investment Platforms Best REITs Best Alternative Investments Best Cards to Collect Best Gold IRAs Investing in Precious Metals Investing in Startups Real Estate Crowdfunding ETFs Commercial Real Estate ETFs International ETFs Monthly Dividing ETFs
• Mortgage Best Mortgage Companies FHA Lenders First Time Buyers HELOC & Refinancing Lenders for Self-Employed People Lenders That Do Not Require Tax Returns Online Mortgage Lenders
• Crypto Best Crypto Apps Business Crypto Accounts Crypto Day Trading Crypto Exchanges Crypto Scanners Crypto Screeners Earning Interest on Crypto Get Free Crypto How to Trade Crypto Is Bitcoin a Good Investment?

Breeze Insurance Review

Disability insurance is a critical, but sometimes overlooked, coverage for anyone who earns an income. Many employees secure disability insurance through employers, but not every employer offers the coverage. Sometimes employer coverage may not be enough to cover your needs in the event of a disability. 

Shopping for disability coverage can be time-consuming. The application process can be lengthy and underwriting, the process insurers use to decide whether to approve an application, can be involved.

Breeze simplifies the disability insurance process by offering an online application, streamlined underwriting and educational information to ensure you understand your coverage. Breeze also offers critical illness insurance, which provides a cash benefit in the event of a serious illness like cancer or a heart attack. 

Breeze’s policies are underwritten by Assurity Life, which has an “excellent” rating from AM Best, an insurance rating company. You can feel secure in knowing that your policy is issued by a reputable company. 

Breeze is a good choice if you don’t have access to disability coverage through work, especially if you’re a business owner or self-employed . The downsides to Breeze include its limited product selection and lack of information around claims and customer service. If you need other types of coverage, you’ll need to shop for those separately, and some find it convenient to have all their insurance coverage with the same provider.

• Employees without disability insurance
• Self-employed
• Business owners
• Easy to get quotes
• Fast application
• Online application
• No mobile app (but is mobile-friendly)
• Limited product selection

breeze review Ratings at a Glance

Disability insurance is one type of insurance product that is not often talked about, but it is important. After all, if you are injured or become disabled, your bills will not stop. And that's where you need an insurance carrier that can help you until your medical conditions have improved.

People with disabilities may not qualify for social security disability insurance, and that's when you need disability benefits from disability insurance policies. Benzinga reviews Breeze Insurance below for its disability insurance policies.

Breeze Insurance Product Offerings

Breeze customer service, breeze claims support, breeze pricing and value, breeze insurance mobile app, breeze insurance overall rating.

While Breeze’s product offerings are limited, it does offer a range of options for those products. Here’s a closer look at the products Breeze offers: disability and critical illness insurance. 

Disability Insurance

Disability insurance is insurance that provides a benefit if you’re no longer able to earn an income due to a disability. It’s a benefit offered by many employers, but not all. If your employer does offer disability insurance, learn whether it offers short-term disability, long-term disability or both. 

Short-term disability typically offers benefits for up to 2 years. Long-term disability offers benefits for a few years to the rest of your life, depending on the terms of the policy. Breeze offers long-term disability insurance with a range of benefit options. 

Even if you have workers’ compensation benefits through your employer, it’s a good idea to have disability insurance. Workers’ compensation only provides a benefit if you have a work-related illness or injury. Disability insurance pays a benefit if you meet the policy’s requirements regardless of where the disability occurred. In other words, if you’re disabled from an accident or an illness not related to work, a disability policy may pay benefits but workers’ compensation won’t. 

Why Disability Insurance is Important

Many people will be faced with a disabling event at some point in their working life. That could mean months of not being able to work. While you may have sick leave, that may be exhausted quickly. If you work for yourself, you won’t have access to sick leave. 

Disability insurance makes up for the loss of income. It typically pays 60% to 70% of your taxable income. The lower benefit is because disability benefits that you pay for aren’t taxed, so it’s meant to reflect your income after taxes. 

How Disability Insurance Works

Disability insurance has several factors that impact the premium and the benefits you receive. Breeze allows you to adjust some of these so you can purchase an affordable policy that meets your needs. 

Policy factors to consider include:

• The benefit period: This is how long your policy pays benefits. You can typically choose from 5 or 10 years to lifetime benefits. Most people will qualify for Social Security retirement benefits at age 65 as long as they’ve worked at least 10 years, so you may want to choose a benefit period that will cover you until then. 
• The waiting period: This is how long you have to wait until your benefits start. If you have access to a short-term disability policy, you could opt for a longer waiting period. A waiting period of 60 to 90 days is standard. 
• The benefit amount: Opt for a benefit amount that’s 60% to 70% of your pre-tax income. If that’s not affordable, consider a lower benefit amount or a longer waiting period to bring down your costs. 
• Cost of living increases: A disability policy may pay benefits for 10 years or more. Consider opting for a policy that includes cost of living increases to keep up with inflation. 

Critical Illness Insurance

Breeze's critical illness coverage pays a one-time lump sum benefit if you experience a covered condition. Breeze’s policy covers several conditions, including:

• Major organ transplant
• Kidney failure
• Advanced Alzheimer’s disease

You can choose your benefit amount. Given how expensive hospital bills can be, consider a benefit amount that will cover your deductible plus potential coinsurance costs. 

You want excellent customer service while you buy a policy and after you have one in place. Breeze makes it easy to get a quote and apply for a policy. 

To get a quote, you enter basic information like your birthdate and gender. You also select the type of work you do and enter your annual income. Once you do, you’re given a few quotes with the option to review more coverage options. 

If you decide to move forward with an application, you start with a few screening questions and set up an account. At that point, you also can see the customer service number (402-256-5230) at the bottom of your screen. The customer service hours are somewhat limited: 8 a.m. to 5 p.m. CST. 

Once you have your account set up, you answer questions about your health and lifestyle to find out whether you qualify for a policy. 

While Breeze makes it easy to get started with a policy, your options for getting in touch are limited, especially if you’re applying or need assistance outside normal business hours. 

Breeze doesn’t have any information about claims publicly available on its website. You can use the same number as customer service (402-256-5230) to file a claim by phone. Breeze is underwritten by a reputable company, so it should have the financial ability to pay claims in the future. You may receive more information about the claims process when you purchase a policy. 

Breeze offers competitive rates and multiple plan options. You can choose a benefit amount, benefit period and waiting period that make sense for you and your budget. It’s easy to compare plans and make an informed decision. 

Breeze doesn’t have a mobile app. The website is optimized for mobile browsing, and you can complete an application via your phone’s web browser. However, it doesn’t have an app or the features that may come with an app, like access to chat.  

Breeze’s strength is in its focused product offerings and easy application process. Finding and applying for disability can be an involved process, and Breeze makes it easy. You can complete the application in less than 20 minutes and in most cases, know whether you’re approved for a policy right away. 

Breeze also provides extensive resources about how disability and critical illness insurance work. Good insurance providers want their policyholders to understand what they’re buying and how it works. 

Breeze doesn’t provide much insight into how it handles claims or its customer service options. Its customer service hours are also limited, which can make it challenging for someone to get in touch if they aren’t available during business hours. 

This provider also has limited product offerings. If you prefer to have all your policies with 1 provider, that isn’t possible with Breeze. It also focuses on individual policies, so if you’re looking for group coverage for your business, you’ll need to work with another provider.

Breeze is best for those who prefer an easy, seamless application process without any pushy salespeople. 

To make the most of what Breeze has to offer, compare its quotes to other disability insurance providers. Choose your coverage based on service, policy options and price. 

What does private disability mean?

A private disability insurance policy is a contract between the insurance company and an individual that states if the individual becomes disabled and unable to work, the insurance company will pay a portion of thier income.

What are the cons of disability insurance?

Some of the cons of disability insurance are that it can be costly and may not cover pre-exisiting conditions.

Why should I buy disability insurance?

A private disability insurancd policy will replace a portion of your income in the event that you cannot work. It can be good protection against unforeseen events.

Submit Your One Minute Opinion

How do you like breeze review, about melinda sineriz.

Breeze Insurance Review

I'm a Fintech, personal finance, investing, alternative investments, credit, small business, careers, loans, money mindset, retirement and debt writer.

Breeze is the easiest way to get disability insurance online. No doctors visits, fully online and coverage in as little as 15 minutes. Because buying insurance should be simple.

Our Partner

Disability Insurance

AT A GLANCE

• Affordable policies
• Simple online process
• Stellar customer support
• Outstanding customer reviews

Best Disability Insurance

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Read our  Advertising Disclosure .

Pros & Cons

• Affordable options with various options
• No need to complete a medical exam
• Get approved in as little as 15 minutes
• Backed by a reputable insurance provider
• Tends to be more expensive than other carriers
• Offers limited online support

There are lots of financial products to consider when thinking about protecting your family - but  disability insurance should be on top of your list.

Sure, you may have already gotten it through your employer, but for those who are self-employed or earn significant income, getting a disability insurance policy can be crucial.

Just like life insurance , getting a disability insurance policy is easier than ever using Breeze — you can do it online, using much of the same technology other insurance carriers.

 If you’re not sure whether Breeze is for you, keep reading - because we’ll go more in depth as to what the company can do for you, approximate costs and whether you even need a disability insurance policy.

Quick Summary

Offering: Disability Insurance

Fees: as low as $9 per month

Promotion: No current promos

About Breeze

Although Breeze is a new insurance company (founded in 2019), it’s currently one of the only disability insurance companies where you can apply completely online for all 50 states, except New York. 

The company offers long-term disability insurance which is underwritten by Assurity Life Insurance . The Assurity Life Insurance company has been around for 130 years — offering disability and life insurance policies since 1890. 

Since everything is underwritten by Assurity Life, you can be confident Breeze is a company you can trust.  It’s rated by A.M Best as Excellent and terms range from one year to when the policyholder is 67 years old.

Features 

Buying long-term insurance for individuals is done directly through Breeze plus Assurity, its underwriter.  You can complete the application process all online in as little as 15 minutes.

Breeze disability insurance underwriting is totally automated through AI technology which means that most people who apply won’t need to go through a medical exam.

So far, it’s the only company that offers this technology.  You can get a personalized quote with different coverage options if you’re at least 18 years old.

For example, you can change your coverage — anywhere from one year up to you’re 67 years old — or your elimination period (how long you have to wait until benefits kick in).

This period can be either 30, 60, 90 or 180 days.  Applicants can choose payout amounts ranging from $500 to $20,000 per month and plans start as low as $9 per month. 

Plus, in many cases Breeze doesn’t require to prove your income if you’re self-employed.  Breeze also offers few optional paid riders (for an additional cost) you can add in order to enhance your coverage:

• Own-occupation  - this means you’ll still be covered even if you’re disabled and can’t work in your current occupation even if you can work in other ones.
• Automatic benefit increase - The automatic benefit increase function will increase your base monthly benefit by a certain percentage of the original one starting after the first year any benefits have been paid out.
• Guaranteed insurability  - Purchase additional insurance without underwriting.
• Supplemental DI rider  - You’ll still receive benefits from Breeze even if you qualify for Social Security Disability benefits.
• Critical illness benefit  - Covers you in the event you’re diagnosed with a critical illness like cancer.
• Non-cancellable  - Breeze can’t cancel or increase the premium on your policy as long as you’re still paying your premiums.
• Catastrophic disability benefit - Receive additional income so you can use the cash to pay for items that are typically not covered by your health insurance. 

Here are a few other benefits you can receive with Breeze:

• Presumptive disability - Certain disabilities that are considered serious impairments that the policyholder qualify as being disabled.
• Partial disability - Also called a residual disability, you’ll be covered even if you can only work in a limited capacity.
• Survivor benefit  - Your surviving spouse or children may be able to still receive a pay out.
• Home modification  - Funds to modify your home to increase your mobility like a wheelchair ramp.
• Organ donor benefit  - Receive disability benefits after receiving an organ transplant. 
• Vocational rehab - You may qualify for things like job training and placement.

What is Disability Insurance?

Disability insurance is there to replace lost income you may experience because of an illness or injury that prevents you from being able to work. 

There can be different coverage levels and riders, but in general if your claim is approved you’ll be paid out each month. 

 Coverage for disability insurance can differ in terms and how much of your current income it’ll cover — it can be available for as little as a year, up to age 65 or 67 (the typical retirement age).

The payout amount will depend on whether you’ve elected to replace all or part of your income — your premium will cost more the more coverage you want, plus other factors like your age and occupation.

As for Breeze, here are a few occupations the company covers (there are more):

• Self-employed individuals
• Accountants
• Contractors
• Entrepreneurs
• Software engineers

Why Should I Get Disability Insurance?

Disability insurance isn’t for everyone but given the right circumstance sit can help protect you and your family in case you’re not able to work anymore.

For example, if you’re the breadwinner or your family depends on your income, it’s probably a good idea to have a policy so you’re not left scrambling if something does happen, especially if you are a high-income earner. 

Something else to consider is whether you’re a more dangerous profession, where the chances of you getting injured can be higher.

Whether that’s the case or not, consider whether insurance offered through your employer (if any) is enough. Or, whether you can draw on other sources of income instead of taking out a policy. 

Think carefully, because if you and your family can’t pay for the essentials like your mortgage, you could be at risk of losing your home.

Not to scare you, but it’s an opportunity to think carefully about whether a small investment each month will help you when you can’t work. 

If you decided to take out disability insurance, you’ll want to determine how much you’ll need.

Whenever you look at a policy, consider the following:

• What is the insurance policy’s definition of a disability?
• How much will you need to replace your current income?
• Can you qualify for Social Security disability insurance?
• What if you can’t work at your current occupation but have the ability to do so in another field or type of job?

Understanding your needs is an important step before applying for a policy with companies like Breeze.

How Much Does Disability Insurance Cost?

Your individual disability insurance policy premium will depend on a number of factors, including you age, gender, occupation and any additional riders you want. 

One of the major factors that will influence your premium is your occupation. It’s safe to assume that the more dangerous or labor-intensive your job, the more you’ll have to pay each month.

For example, let’s say you’re a 35 year old male working as a freelance writer.  This isn't considered a hazardous occupation compared to someone who works as a construction working for office buildings.

In this case, the construction worker will probably pay a higher monthly premium.  If you’re a female, you’ll most likely pay more than a male.

Using the same conditions above, a female construction worker will may a higher monthly premium than her male counterpart.

As for why policies are more expensive for women, that’s because disabilities for females tend to happen more often and last longer compared to men.

Underwriters take this into consideration.  Age also affects your monthly premiums. The older you are, the more your policy will cost because the likelihood of you getting injured are higher.

Of course, other factors like your health and lifestyle habits affect how much you’ll pay.  After going through part of the application process, here are some sample monthly premium prices to give you an idea of what you could pay:

A 32 year old female making $60,000 per year (five year benefit period with a 90 day waiting period):

• $1,200 monthly benefit - $25 per month
• $2,300 monthly benefit -  $45 per month
• $3,400 monthly benefit - $65 per month

A 37 year old female making $50,000 per year in a high-risk occupation (five year benefit period with a 90 day waiting period):

• $700 monthly benefit - $6 per month
• $1,300 monthly benefit -  $65 per month
• $1,830 monthly benefit - $89 per month

A 47 year old male making $60,000 per year (five year benefit period with a 90 day waiting period):

A 37 year old male making $50,000 per year in a high-risk occupation (five year benefit period with a 90 day waiting period):

• $700 monthly benefit - $30 per month
• $1,300 monthly benefit -  $52 per month
• $1,830 monthly benefit - $72 per month

How to Get Started with Breeze

You can sign up for Breeze and get long-term disability coverage in as little as 15 minutes.  To do so, simply head over to their online application form and fill out required personal information.

This can include your gender, birthday, income, occupation, whether you use nicotine and ZIP code. 

On the next screen, Breeze will show you a few quotes that offer you personalized coverage options.

It gives you recommendations on the benefit and elimination period, plus different monthly payout amounts and the cost of your premium.

If none of these options look good to you, you can click on the blue button at the bottom of the screen and to personalize your coverage — here’s where you can choose additional riders. 

If you’re unsure of any of the riders or other terms, contact Breeze to speak with a licensed insurance agent before proceeding.  An important factor to consider is own occupation.

Breeze defaults to own occupation for the first two years but you can increase that amount, though your monthly premium can increase. 

Once you choose a policy you like, then you can move onto the next step where you’ll have to answer a detailed questionnaire, so Breeze can learn more about you to start the underwriting process.

Some of these questions include your health and lifestyle habits.  At this stage, you’ll be presented with an offer.  Take some time to look through the policy to see if it’s what you want.

In some cases, you may need to complete a medical exam to get coverage.  Here are some scenarios in which you’ll need to do so:

• You want coverage greater than $4,000 a month and you’re between 18 and 50 years old
• You want coverage greater than $2,000 per month and you’re between 51 and 55 years old
• You want coverage greater than $1,000 and you’re between 56 and 60 years old

When you’re finally approved, pay for your first month’s premium and off you go.

Should You Get Disability Insurance with Breeze?

The answer depends on whether you want to get a disability insurance in the first place.  If you're not sure, reading the company's guides can be helpful.

They offer great info disability insurance, workers' compensation insurance, and even short term life insurance.  If you do, then Breeze is a great place to start as you’ll be able to get a quote quickly to see what you might need to pay.

It also let's you see what types of riders you want to get to further protect your income.

Considering applying for any type of insurance can be complex, so it’s worth at least getting a quote since you can do it all online — you don’t have to commit to anything at this point.

In any case, you can call Breeze to speak to a licensed insurance agent to see whether you’re getting the right type of coverage. 

Breeze is the easiest way to get disability insurance. No doctors visits, fully online and coverage in as little as 15 minutes. 

You May Also Like

What is Insurance and How It Works?

PolicyMe Review

Best Life Insurance Companies

LeapLife Insurance Review

RetirementInvestments.com Picks

Precious Metals

7 Best Gold IRA Companies 2023 (Ranked by customer reviews)

Real Estate

How to Sell Your House: The Definitive Guide

Cryptocurrencies

7 Best Bitcoin IRA Companies 2023 (Ranked by lowest fees)

You are using an outdated browser. Please upgrade your browser to improve your experience.

At ConsumersAdvocate.org, we take transparency seriously.

To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Disability Insurance:  PolicyGenius ,  Ameritas ,  Assurity ,  Guardian ,  Mutual of Omaha ,  Principal ,  The Standard ,  Breeze ,  LeverageRx ,  Haven , and  MassMutual Disability Insurance .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity.

Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process,  click here.

Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services.

• Disability Insurance
• Breeze Review

Breeze Disability Insurance Review

The following companies are our partners in Disability Insurance: PolicyGenius , Ameritas , Assurity , Guardian , Mutual of Omaha , Principal , The Standard , Breeze , LeverageRx , Haven , and MassMutual Disability Insurance .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process, click here.

How is Breeze rated?

Overall rating: 4.9 / 5 (excellent), breeze policies & coverage, policies & coverage - 5 / 5, breeze flexibility, flexibility - 5 / 5, available policy riders, other riders, breeze financial strength, financial strength - 5 / 5, breeze reputation & customer experience, reputation & customer experience - 5 / 5, company profile.

Our Comments Policy   |   How to Write an Effective Comment

Customer Comments & Reviews

• Quotes from the top disability carriers to ensure you find the best rates
• Helps thousands of consumers apply for disability insurance each year
• Rated Excellent on TrustPilot
• Benefit terms range from 3 months to age 67
• Choose your waiting period
• Multiple riders add flexibility to your policy

Related to Disability Insurance

Top articles.

• Is Long-Term Disability Insurance Worth It?
• The ABCs of Disability Insurance: A Glossary

- Or via Email -

Already a member? Login

• Vacation Rentals
• Restaurants
• Things to do
• Things to Do
• Travel Stories
• Rental Cars
• Add a Place
• Travel Forum
• Travelers' Choice
• Help Center

Can Breeze Airways really do this? - Air Travel Forum

• Tripadvisor Forums    
• Air Travel Forums

Can Breeze Airways really do this?

• United States Forums
• Europe Forums
• Canada Forums
• Asia Forums
• Central America Forums
• Africa Forums
• Caribbean Forums
• Mexico Forums
• South Pacific Forums
• South America Forums
• Middle East Forums
• Honeymoons and Romance
• Business Travel
• Train Travel
• Traveling With Disabilities
• Tripadvisor Support
• Solo Travel
• Bargain Travel
• Timeshares / Vacation Rentals
• Air Travel forum

While this has never happened to me, I assumed Breeze would pay for my added costs for rebooking. These costs included last minute one way airfare , rental car extension, added meal and ground transportation as I could not get back to the airport I left from.

Breeze will not pick up any of these costs because they now say it was a weather related event. Yesterday at the airport in Charleston, as I was waiting for my new Delta flight , Breeze was announcing $200 payments for the new flight they were cancelling. When I asked Breeze why there were offering these passengers and not me, they said it was a different situation as it was not weather related.

Regarding weather, all other flights to NY that night were available for booking from the time of Breeze's cancellation all the way through travel into NY last evening.

I have contacted Breeze on FB messenger, texting, email, and social media. The only reply has been through texting and the are adamant in that no compensation is forthcoming.

My net loss because of their cancellation is $1,000. Can they really do that?

14 replies to this topic

Hopefully you purchased travel insurance for this trip - you can submit your receipts to your travel insurance company.

Weather delays don't only affect the airports of arrival and departure, and Breeze may have had airframes or crew out of position elsewhere or may not have been able to position the flight from Charleston. It's frustrating and disappointing when this happens, but delays at airport A can be affected by conditions many hundreds of miles away.

What they'll have offered in irops will be in the ticket's terms and conditions. You may be able to claim on your travel insurance, and Breeze may offer a small voucher for future travel, but I doubt they'll reimburse the cost of tickets you chose to purchase from DL.

Thanks. I was always leary of travel insurance in that I figured that no matter what happened, they would find a loophole around it. Guess I was wrong.

Thanks again.

Thanks for your reply. I guess this is a learning experience.

>>Regarding weather, all other flights to NY that night were available for booking from the time of Breeze's cancellation all the way through travel into NY last evening.<<

Looking at FlightRadar24, the Charleston flight wasn't the only flight into Islip that was cancelled yesterday, but unfortunately there's no way to know the reason(s):

https://www.flightradar24.com/data/airports/isp/arrivals

if you click "load earlier flights " you can see there were a few other flights cancelled, one seems to have diverted to another airport. With weather, it may not necessarily be weather at your departure or arrival airport, but something in between the two points causing an issue, or even a domino effect of scheduling/operational problems that it causes.

This is the type of situation where travel insurance may be helpful, to recoup losses from these types of delays that the airlines don't cover.

Breeze or febreze canceled my family round trip 5 days before which I have booked 45 days in advance new tickets for the same dates about 2000 more so I had to select the 4th of july because I couldn't afford to buy it on the same day and all what I got we so sorry

The OP was given the option for rebooking with Breeze but instead chose the refund option and rebooked with DL. I'm not sure why he would think that Breeze would pay the difference in costs to fly on DL since it was his choice to do so.

So, it's because of new circumstances after Covid that more people are having hassles, yes?

But- would this still happen now, do you think?

I'm asking because these posts have become quite regular, and like mentioned in #7, we all need a Plan B these days.And it seems that Plan B isn't as simple as 'just get the next flight .'

Thanks for the reply, Barb. Because I've only had it happen the once, and pre-Covid, I have wondered why there are so many problems reported on here.

As we're almost always flying overseas only, we ALWAYS have travel insurance, and hopefully that will always help us out.

• Do Air Canada seat sales include code share routes? 8:47 pm
• Flying 8:19 pm
• $220 just for seating choice and checked bag? 8:13 pm
• Input name with no surname in Airindia booking to Australia? 7:53 pm
• Skip Last leg of Air Travel 7:18 pm
• a review about flight hub 7:14 pm
• mytrip.com 7:11 pm
• Singapore airlines not possible to complete chcek in online 6:06 pm
• Zurich Airport connecting info 6:01 pm
• Chase Saphire travel protection is a scam. 5:40 pm
• Timing around SAS leaving Star Alliance 5:20 pm
• Emirates personal TV screens 4:41 pm
• Where to buy in USA Luggage respecting EU Airlines 4:33 pm
• Polish passport validity during renewal 4:28 pm
• ++++ ESTA (USA) and eTA (Canada) requirements for visa-exempt foreign nationals ++++
• ++++ TIPS - PLANNING YOUR FLIGHTS +++++++
• Buy now or later? What's with these screwy ticket prices?
• Around-the-world (RTW) tickets
• All you need to know about OPEN JAW tickets
• Beware of cheap business class tickets (sold by 3rd parties)
• ++++ TIPS - PREPARING TO FLY +++++++++
• TIPS - How to prepare for Long Haul Flights
• TIPS - Being Prepared for Cancellations and Long Delays
• TIPS - How to survive being stuck at an airport
• Flights delays and cancellations resources
• How do I effectively communicate with an airline?
• Airline, Airport, and Travel Abbreviations
• Air Travel Queries: accessibility,wedding dresses,travelling with children.
• Connecting Flights at London Heathrow Airport
• TUI Airways (formerly Thomson) Dreamliner - Movies and Seating Information
• ++++ COVID-19 CORONAVIRUS INFORMATION ++++
• Covid-19 Coronavirus Information for Air Travel

• HTH Worldwide Travel Insurance
• GoReady travel insurance
• Nationwide Travel Insurance
• Trawick International Travel Insurance

Affordable Travel Insurance Tips

• Why You Should Trust Us

Best Cheap Travel Insurance of April 2024

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

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel.

Best Cheap Travel Insurance

• HTH Worldwide Travel Insurance : Best overall
• GoReady travel insurance : Best for trip cancellation 
• Nationwide Travel Insurance : Best value
• Trawick International Travel Insurance : Most popular

Compare the Top Cheap Travel Insurance Plans

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Affordable Travel Insurance Reviews

So you're planning a big family vacation—if you're lucky, the trip of a lifetime. Travel costs can skyrocket quickly, leaving you feeling a bit overwhelmed. At this point, travel insurance starts to look like a potentially unnecessary cost, but is it really?

The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

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

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

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

**Enrollment required.

• Main content

Best International Travel Insurance for April 2024

Find a Qualified Financial Advisor

Finding a qualified financial advisor doesn't have to be hard. Datalign's free tool matches you with financial advisors in your area in as little as 3 minutes. All firms have been vetted by Datalign and all advisors are registered with the SEC. Get started with achieving your financial goals!

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance . Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance Companies

• Allianz Travel Insurance : Best overall
• World Nomads Travel Insurance : Best for exotic travel
• C&F Travel Insured : Best for trip interruption coverage
• Travelex Travel Insurance : Best for families
• Seven Corners Travel Insurance : Best for long-term travel

Compare the Top International Travel Insurance Plans

International travel insurance reviews, best international travel insurance overall: allianz travel insurance.

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best International Travel Insurance for Exotic Trips: World Nomads Travel Insurance

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best International Travel Insurance for Trip Interruption: C&F Travel Insured Travel Insurance

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best International Travel Insurance for Family Coverage: Travelex Travel Insurance

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best International Travel Insurance for Long Trips: Seven Corners Travel Insurance

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to Find the Right International Travel Insurance Company for You

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding International Travel Insurance Coverage Options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

International Travel Insurance Frequently Asked Questions 

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

Why You Should Trust Us: How We Chose the Best International Travel Insurance Companies

We ranked and assigned superlatives to the best foreign travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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

• Search Please fill out this field.
• Manage Your Subscription
• Give a Gift Subscription
• Sweepstakes
• Flight Deals

Breeze Airways Has 34% Off Flights Across Its Network This Spring — But You'll Have to Book Soon

The promotion, ending Friday, is celebrating the airline’s 34 different transcontinental routes, which criss-cross the country.

Matt May/Getty Images

Low-cost carrier Breeze Airways is making it easier to fly cross country with its new spring sale that has 34 percent off roundtrip flights throughout its network. 

The sale, which must be booked by 11:59 p.m. PT on March 22, is available for flights from March 27 to Oct. 1, Breeze shared with Travel + Leisure. The promotion is celebrating the airline’s 34 different transcontinental routes, which criss-cross the country. 

To book, travelers must use the promo code “SPRING” during checkout on either Breeze’s website or the Breeze app.

“Spring signals renewal and what better way to renew your spirit than to book a nonstop flight to somewhere new,” Breeze Airways’ President Tom Doxey said in a statement shared with T+L. “Our seasonal and year-round flights are perfectly tailored for peak travel demand – whether it’s a short hop or a long-distance adventure.”

The airline, which was first created in 2021 by former JetBlue founder and current Breeze CEO David Neeleman , has rapidly expanded since and plans to launch even more routes on April 30 with the introduction of five new nonstop flights from San Diego to Cincinnati, Jacksonville, Norfolk, Raleigh-Durham, and Pittsburgh.

Then on May 29, the airline will bring back its “Disney-to-Disney” route, flying nonstop between Orlando and Orange County-Santa Ana. 

And on May 16, the airline will start flying from Denver International Airport with nonstop flights to Providence. 

Finally, Breeze will bring back its longest flight between Providence and Los Angeles on June 13.

Each of these routes will be flown on the airline’s Airbus A220-300 aircraft. The airline recently committed to using an all-Airbus A220 fleet for its scheduled service by the end of 2024.

Breeze currently offers service between 51 cities across 27 states, and isn’t done growing with plans to add international flights in the near future.

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

The Guide to American Express Travel Insurance

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

Table of Contents

American Express travel insurance vs. coverage provided by AmEx cards

Complimentary travel insurance provided by amex cards, trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, premium global assist, global assist hotline, standalone american express travel insurance plans, should you use the complimentary benefits or purchase a policy, amex travel insurance recapped.

You can get AmEx travel insurance via your card or as a standalone policy.

AmEx cards typically include coverage for trip delays, interruptions, cancellations, baggage and car rentals.

Coverage tends to be secondary.

Policies vary by card.

American Express has two different types of travel insurance offerings: standalone travel insurance plans that customers can purchase and travel insurance that is included as a complimentary benefit on certain cards. 

So if you’re thinking about getting travel insurance before a trip, get familiar with American Express travel insurance benefits that are included on your credit cards. Knowing what protections you already have will prevent you from spending money on a separate policy with benefits that overlap.

A standalone travel insurance policy from American Express may offer more robust coverage, but depending on your needs, the travel insurance perks provided by your AmEx card may be sufficient. 

If you primarily want specific coverage for cancellations, delays or rental cars and baggage, it’s likely your card will be enough.

For example, The Platinum Card® from American Express includes trip cancellation protection, trip interruption coverage, trip delay insurance, rental car insurance, baggage coverage and access to a 24/7 hotline called Premium Global Assist. Terms apply.

» Learn more: How The Platinum Card® from American Express travel insurance works

If, however, you’re mainly concerned with emergency health coverage while traveling , you’re better off with a separate medical insurance policy because the benefits provided by credit cards are limited in those areas.

You can purchase this from American Express directly or shop around other travel insurance companies .

» Learn more: How to find the best travel insurance

There are six travel insurance benefits offered on many American Express cards:

Trip cancellation and interruption insurance .

Trip delay insurance .

Car rental loss and damage insurance .

Baggage insurance plans .

Premium Global Assist Hotline .

Global Assist Hotline .

Here's a closer look at each.

Trip cancellation will protect you if you need to cancel your trip for a covered reason (more below), and you will be reimbursed for any nonrefundable amounts paid to a travel supplier with your AmEx card. Bookings made with Membership Reward Points are also eligible for reimbursement. Travel suppliers are generally defined as airlines, tour operators, cruise companies or other common carriers.

Trip interruption coverage applies if you experience a covered loss on your way to the point of departure or after departure. AmEx will reimburse you if you miss your flight or incur additional transportation expenses due to the interruption. American Express considers the following to be covered reasons:

Accidental injuries.

Illness (must have proof from doctor).

Inclement weather.

Change in military orders.

Terrorist acts.

Non-postponable jury duty or subpoena by a court.

An event occurring that makes the traveler’s home uninhabitable.

Quarantine imposed by a doctor for medical reasons.

There are many reasons that are specifically called out as not covered (e.g., preexisting conditions, war, self-harm, fraud and more), so we recommend checking the terms of your coverage carefully.

If you want a higher level of coverage for trip cancellation, consider purchasing Cancel For Any Reason (CFAR) travel insurance . CFAR is an optional upgrade available on some standalone travel insurance plans. This supplementary benefit allows you to cancel a trip for any reason and get a partial refund of your nonrefundable deposit.

Alternately, if you want what essentially amounts to CFAR insurance on your flights specifically, purchase your fares through the AmEx Travel portal and tack on Trip Cancel Guard for an extra fee. Trip Cancel Guard guarantees you an up to 75% refund on nonrefundable airfare costs when you cancel at least two days before departure, regardless of why. This isn't as comprehensive as other CFAR policies, but it can add some peace of mind for people who want the cash back (as opposed to a travel credit) for flights they may not take.

AmEx cards with trip cancellation, interruption coverage

The following American Express credit cards offer trip cancellation and trip interruption coverage:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®.

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Hilton Honors American Express Aspire Card .

Marriott Bonvoy Brilliant® American Express® Card .

Terms apply.

Covered amount

The maximum reimbursed amount for the trip cancellation benefit is $10,000 per covered trip and $20,000 per year. The trip interruption benefit is also $10,000 per covered trip and $20,000 per year. Coverage is secondary and applies after your primary policy provides reimbursement. Claims must be filed within 60 days. To start a claim, call 844-933-0648.

This benefit will reimburse you for reasonable, additional expenses incurred if a trip is delayed by a certain number of hours. Examples of eligible expenses include meals, lodging, toiletries, medication and other charges that are deemed appropriate by American Express. It makes sense to use your judgment in terms of what will get approved based on your policy's fine print.

Acceptable delays include those that are caused by weather, terrorist actions, carrier equipment failure, or lost/stolen passports or travel documents. There are also plenty of exclusions, such as intentional acts by the traveler.

AmEx cards with trip delay insurance

The reimbursable amount depends on which card you hold, and you are allowed two claims per 12-month period. As expected, the more premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is offered on the following American Express credit cards:

When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is $50,000 or $75,000.

» Learn more: How AmEx car rental insurance works

In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:

Accidental death or dismemberment coverage.

Accidental injury coverage.

Car rental personal property coverage.

To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.

The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation (you may have this through your personal auto insurance policy), as these credit card-provided coverage options don't include personal liability.

AmEx cards with car rental coverage

American Express lists over 50 different cards on its site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.

The amount reimbursed is calculated as whichever is lowest:

The cost to repair the rental car.

The wholesale book value (minus salvage and depreciation).

The invoice purchase price (minus salvage and depreciation).

Here are some key exclusions to be aware of with this coverage:

These policies don't cover theft or damage that was caused by a driver’s illegal operation of the car, operation under the influence of drugs/alcohol or damage caused by any acts of war.

Policies don't cover drivers not named as "authorized drivers" on your rental agreement.

The benefit only covers car rentals up to 30 consecutive days.

Not all cars are included in the policy. Certain trucks, vans, limousines, motorcycles and campers are excluded from coverage.

Insurance protection doesn't apply in Australia, Italy, New Zealand and any country subject to U.S. sanctions .

You can file a claim online or call toll-free in the U.S. at 800-338-1670. From overseas, call collect 216-617-2500. Your claim must be filed within 30 days of the loss. Additionally, some benefits vary by state, so check the policy for your specific card.

» Learn more: The guide to AmEx Platinum’s rental car insurance

As an American Express cardholder, you are eligible to receive compensation if your luggage is lost or stolen. This benefit is in addition to what you may receive from the carrier. However, the AmEx policy is secondary, which means that it kicks in after the carrier provides any compensation for losses.

AmEx provides this insurance to "covered persons," who are defined as:

The cardmember.

Their spouse or domestic partner.

Their dependent children who are under 23 years old (there are age exceptions for handicap children).

Some business travelers (Tier 2 coverage only).

To qualify, all covered individuals need to be traveling on the same reservation and must be residents of the U.S., Puerto Rico or the U.S. Virgin Islands.

AmEx cards with baggage insurance

Naturally, the higher-end cards offer more protection — but even the basic cards have decent coverage. The compensation limits per person are as follows (note that the maximum payout per covered person for lost luggage is $3,000 on all of these cards).

Below are the limits for cardholders of the The Platinum Card® from American Express , The Business Platinum Card® from American Express , The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, Hilton Honors American Express Aspire Card , Marriott Bonvoy Brilliant™ American Express® Card, Centurion® Card from American Express and Business Centurion® Card from American Express:

Baggage in-transit to/from common carrier: $3,000.

Carry-on baggage: $3,000.

Checked luggage: $2,000.

Combined maximum: $3,000.

High-end items: $1,000.

And here are the coverage limits for cardholders of the American Express® Gold Card , American Express® Business Gold Card , American Express® Green Card , Business Green Rewards Card from American Express , Hilton Honors American Express Surpass® Card , Marriott Bonvoy™ American Express® Card, Marriott Bonvoy Business® American Express® Card , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Reserve Business American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Platinum Business American Express Card , Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card , The Hilton Honors American Express Business Card :

Baggage in-transit to/from common carrier: $1,250.

Carry-on baggage: $1,250.

Checked luggage: $500.

High-end items: $250.

As of Jan. 1, 2020, the Hilton Honors American Express Card , The Amex EveryDay® Preferred Credit Card from American Express and The Blue Business® Plus Credit Card from American Express no longer offer baggage insurance protections.

AmEx also offers limited reimbursement for high-end items (coverage varies by card), such as:

Sports equipment.

Photography or electronic equipment.

Computers and audiovisual equipment.

Wearable technology.

Furs (including items made mostly of fur and those trimmed/lined with fur).

Items made fully or partially of gold, silver or platinum.

Claims must be filed within 30 days of your baggage loss. To file a claim, call 800-645-9700 from the U.S. or collect to 303-273-6498 if overseas. You can also file a claim online.

» Learn more: Compare travel insurance options: airline or credit card?

This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.

The service can also help you figure out important travel-related details like customs information, currency information, travel warnings, tourist office locations, foreign exchange rates, vaccine recommendations for the country you’re visiting, passport/visa requirements and weather forecasts.

AmEx cards with Premium Global Assist

Premium Global Assistance is offered on the following American Express credit cards:

Marriott Bonvoy Brilliant™ American Express® Card.

Services provided by Premium Global Assist Hotline

The hotline isn’t so much a concierge as a service that provides logistical assistance, which can include the following:

General travel advice

Emergency translation if you need an interpreter to help with legal or medical documents (cost isn't covered).

Lost item search if your belongings are lost while traveling.

Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.

Passport/credit card assistance if your credit card or passport is lost or stolen.

Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.

Medical assistance

Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment (there are many conditions for this coverage; review your policy’s fine print).

Physician referral if you need a doctor or dentist (cardmember is responsible for costs).

Repatriation of remains in the event of death.

Financial assistance

Emergency wire service to get help obtaining cash (fees will be reimbursed).

Emergency hotel check in/out if your card has been lost or stolen.

Legal assistance

Bail bond assistance if you need access to an agency that accepts AmEx (cardmember is responsible for paying bail bond fees).

Embassy and consulate referral if you need help finding or accessing local embassies.

English-speaking lawyer referral if you’re traveling and need a list of available attorneys (cardmember is responsible for any legal fees).

To use this benefit, call the Premium Global Assist Hotline toll-free at 800-345-AMEX (2639). You can also call collect at 715-343-7979.

The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version (cited examples include emergency medical transportation assistance and repatriation of mortal remains).

AmEx cards with Global Assist Hotline access

The Global Assist Hotline is available to holders of the following cards:

American Express® Gold Card .

American Express® Business Gold Card .

American Express® Green Card .

Business Green Rewards Card from American Express .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

Delta SkyMiles® Gold American Express Card .

Delta SkyMiles® Gold Business American Express Card .

Delta SkyMiles® Blue American Express Card .

Hilton Honors American Express Surpass® Card .

Hilton Honors American Express Card .

The Hilton Honors American Express Business Card .

Marriott Bonvoy™ American Express® Card.

Marriott Bonvoy Business® American Express® Card .

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

Blue Cash Preferred® Card from American Express .

The American Express Blue Business Cash™ Card .

The Blue Business® Plus Credit Card from American Express .

You can call the Global Assist Hotline toll-free at 800-333-AMEX (2639), or collect at 715-343-7977.

If you don’t have any of the credit cards above and are thinking about purchasing a policy from American Express or just simply want to price compare to see if you get better perks by purchasing a policy, you can go to the AmEx travel insurance website and input your trip plans to build a quote. You’ll need to provide your departure and return date, state of residence, age of traveler, number of travelers covered by the policy and the trip cost per traveler. Then, you can select the option of choosing a package or building your own.

To see which plans are available, we input a sample $3,000, one-week trip by a 35-year-old from South Dakota. Our search result yielded four different plans ranging from $59 for a Basic plan to $208 for a Platinum plan.

Global medical protection (not included on AmEx cards)

Medical protection includes coverage for emergency healthcare and dental costs as well as medical evacuation and repatriation of remains . The limits increase as the plans become more expensive. Although AmEx cards offer an array of travel insurance benefits, medical coverage isn't included. So if medical protection benefits are important to you, a standalone travel insurance policy is what you’ll want to look for.

Travel accident protection (not included on AmEx cards)

Another benefit not included with AmEx cards is travel accident protection. This benefit provides coverage in case of death or dismemberment while traveling . Although this is a topic no one wants to think about, it's good to be familiar with this coverage. While travel accident protection isn’t offered on the Basic plan, all of the higher plans offer it.

Standalone policy benefits that are also included on AmEx cards

These elements of coverage are offered on the AmEx cards mentioned, although in some, the limits may be higher or lower.

Trip cancellation

The Basic plan only covers a trip up to $1,000, however, all the other plans cover 100% of the trip cost. To compare this with the perks included as a benefit on the cards, all AmEx cards that include trip cancellation coverage provide up to $10,000 per covered trip. Keep in mind that, all the cards included have annual fees and the card with the lowest fee is the Hilton Honors American Express Aspire Card , with a $550 annual fee. 

Trip interruption

Trip interruption coverage ranges from $1,000 on a Basic plan to 150% of trip cost on the Gold and Platinum plans. The trip interruption benefit offered by the AmEx cards is included on all the same cards that offer trip cancellation insurance, with the trip interruption limit capped at $10,000 per covered trip. 

Global baggage protection

If your luggage is lost or stolen this benefit will provide monetary compensation to reimburse you for your lost items. AmEx cards offer baggage coverage as a complimentary benefit, with the higher-end cards naturally providing higher limits. Interestingly, the cards with the lower annual fees (i.e. Hilton Honors American Express Surpass® Card , annual fee $150 ) have a high limit as well, offering a total combined limit for lost luggage of $3,000, which is higher than the coverage offered by the standalone Platinum plan.

Global trip delay

If your trip is delayed, you’re eligible for reimbursement of any necessary expenses incurred up to a specific limit. The Basic plan doesn’t offer this benefit, but all the other plans do, with the Platinum plan providing up to $300 per day (maximum of $1,000 per trip). This coverage is also included on the higher-end AmEx cards.

AmEx cards offer key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, Premium Global Assist Hotline (or Global Assist Hotline). However, they don't offer any sort of emergency medical coverage. This is pretty typical of travel credit cards, as the travel insurance perks they offer don't provide coverage for emergency health care costs.

If you’re looking for emergency medical coverage, you’ll need to purchase a separate policy, such as the standalone one offered by American Express. The other limits provided in the American Express travel insurance policy are comparable to what you get on the AmEx cards, so it makes sense to shop around to make sure that the benefits you’re paying for are sufficient for your needs.

» Learn more: What to know about American Express Platinum travel insurance

Yes, if you have one of the cards listed above. If you have a credit card that isn’t listed in this guide or the card is no longer available by American Express, call the number on the back of your card for more information. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.

Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy . If you only need emergency medical coverage , there are policies that provide that as well.

Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement.

Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.

Yes. American Express offers travel insurance as a benefit of some of its cards, but it also sells standalone coverage that you can purchase out-of-pocket. The latter tends to be more comprehensive and customizable to your needs.

No, you do not get automatic travel insurance with American Express. It is available as a benefit on certain cards. Refer to your terms and conditions to learn if you are covered.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as repatriation of remains or medical evacuation coverage .

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a

separate travel insurance policy

. If you only need

emergency medical coverage

, there are policies that provide that as well.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as

repatriation of remains or medical evacuation coverage

American Express travel insurance offers a wide array of benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. Determine whether an individual policy is a better fit for your risk tolerance than coverage that is included on an eligible card, then go from there.

All information about The Platinum Card® from American Express , Business Green Rewards Card from American Express , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Gold American Express Card , Delta SkyMiles® Blue American Express Card , Amex EveryDay® Credit Card , Blue Cash Preferred® Card from American Express , Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Platinum Card® from American Express, Business Green Rewards Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Blue American Express Card, Amex EveryDay® Credit Card, Blue Cash Preferred® Card from American Express, Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card are no longer available through NerdWallet.

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 Chase's website

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

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

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

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

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

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