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12 Best Travel Insurance Companies Of July 2024

Michelle Megna

Expert Reviewed

Updated: Jul 11, 2024, 9:34am

  • The best travel insurance companies are  PrimeCover,   Travel Insured International and WorldTrips , based on our analysis of 42 policies.
  • Travel insurance policies can compensate you for unforeseen events that can happen before or during your trip. Examples include if you have to cancel your trip for a reason listed in the policy, experience a delay or get injured during your trip.
  • Our analysis found the average cost of travel insurance is 6% of your insured trip cost.

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  • Best Travel Medical Insurance
  • Best “Cancel For Any Reason” Travel Insurance
  • Best Medical Insurance For Visitors
  • Best Senior Travel Insurance

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  • PrimeCover – Best for Evacuation
  • Travel Insured International – Best for Non-Medical Evacuation
  • WorldTrips – Great for Add-On Coverage
  • TravelSafe – Best for Missed Connections
  • Nationwide – Best for Policy Perks
  • AIG – Best for Customization
  • Seven Corners – Great for Medical & Evacuation
  • AXA Assistance USA – Best for Baggage
  • Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
  • Travelex – Best for Families
  • HTH Worldwide Travel Insurance – Best for Trip Interruption
  • Nationwide – Great for Cruise Itinerary Change/Inconvenience

How We Chose the Best Travel Insurance

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

  • 42 travel insurance policies evaluated
  • 1,596 coverage details analyzed
  • 102 years of insurance experience on the editorial team

BEST FOR EVACUATION

PrimeCover

Top-scoring plan

Average cost

Medical & evacuation limits per person

$250,000/$1 million

We recommend the Luxe policy because it has superior benefit limits for nearly all core coverage types. We were especially impressed with its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

  • Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
  • Non-medical evacuation benefits of $100,000.
  • Superior trip interruption reimbursement of 200%, which is twice as much as many competitors.
  • You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.

More:  PrimeCover Travel Insurance Review

  • Medical expense coverage of $250,000 per person is great, but some competitors provide $500,000.

Here’s a look at whether top coverage types are included in the Luxe policy.

Also included:

  • Change benefits of $300 for changing original travel arrangements, such as transferring airlines.
  • Itinerary change benefits of $500.
  • Lost golf fee benefits of $500 and lost ski/snowboard fee benefits of $150.
  • Rental property damage liability benefits of $1,500.
  • Search and rescue benefits of $5,000.
  • Sports equipment rental coverage of $1,000.
  • Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

  • AD&D flight-only choices of $100,000, $250,000 and $500,000.
  • “Cancel for any reason” upgrade.
  • Increased trip delay coverage choices of $4,000 or $7,000.
  • “Interruption for any reason” upgrade.
  • Rental car damage coverage of $50,000.

BEST FOR NON-MEDICAL EVACUATION

Travel insured international.

Travel Insured International

Worldwide Trip Protector

Average price

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

  • “Cancel for any reason” and “interruption for any reason” upgrades available.
  • Top-notch non-medical evacuation benefits of $150,000 per person.
  • Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

I have been working with Travel Insured for over 15 years, and have been using them almost exclusively. Typically, they have been quite responsive and pay their claims in a timely fashion.

– Stephanie Goldberg-Glazer, chief experience officer of Live Well, Travel Often

  • Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
  • Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

  • Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

  • Rental car damage and theft coverage of up to $50,000.
  • Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
  • Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
  • Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

WorldTrips

Atlas Journey Elevate

We like the Atlas Journey Elevate plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, medical expenses, and more. We also like that this plan has a low average cost compared to competitors.

  • Very good travel delay benefits of $2,000 per person after only five hours.
  • Good baggage insurance coverage of $2,500.

Another option is the Atlas Journey Escape plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $150,00 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

WorldTrips offers a streamlined process for purchasing insurance online and filing claims. A user-friendly interface and efficient claims handling contribute to a positive customer experience and increased satisfaction.

– Joe Cronin , advisory board member

  • Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
  • Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Elevate policy.

  • Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
  • “Cancel for any reason” and “interruption for any reason” coverage.
  • Rental car theft and damage coverage of $50,000.
  • Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
  • School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

TravelSafe

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

  • “Cancel for any reason” upgrade available.
  • Superior baggage loss coverage limits of $2,500.
  • Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

TravelSafe packs essential coverage into budget-friendly rates without skimping on key benefits, and its responsive claims handling preserves peace of mind.

– Timon van Basten, tour guide and founder of Travel Spain 24

  • $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
  • Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

  • Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
  • Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
  • Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
  • “Cancel for any reason” coverage of 75% of lost trip costs.
  • Accidental death and dismemberment for flights, up to $500,000 per person.
  • Rental car damage and theft up to $35,000.
  • Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Nationwide

Cruise Luxury

$150,000/$1 million

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

  • “Interruption for any reason” benefit of $1,000 per person is included.
  • Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
  • Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

Count me in as a believer in Nationwide’s trusted track record in insurance. Their travel policies check all the boxes, especially for cruises. My only gripe is that some of their medical limits seem lower than other guys. But the rates are easy on the wallet.

– Tim Schmidt, travel expert, entrepreneur, published travel author and founder of All World

  • Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
  • 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

  • Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
  • “Interruption for any reason” up to $1,000.
  • Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
  • Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

  • “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

AIG

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

  • Offers upgrades to meet the needs and budgets of many kinds of travelers.
  • Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
  • Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
  • Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

AIG’s TravelGuard offers an easy-to-use online platform for purchasing insurance and filing claims. A streamlined process minimizes hassle for customers, making it convenient to obtain coverage and receive reimbursement for eligible expenses.

  • The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
  • Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

  • Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
  • Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
  • Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
  • Flight accidental death and dismemberment coverage of $100,000 per person.
  • Rental vehicle damage coverage.
  • “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
  • Adventure Sports Bundle for adventure and extreme activities.
  • Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
  • Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Seven Corners

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

  • “Cancel for any reason” and “interruption for any reason” upgrade available.
  • Very good travel delay coverage of $2,000 per person.
  • Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

With over two decades of experience in the insurance industry, Seven Corners has built a reputation for reliability and customer service. Their track record of handling claims efficiently and providing support to customers in need adds to their credibility. Their Choice plan offers primary coverage, meaning they will pay all claims as if they are the primary insurer, so your claims will be processed faster.

  • Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
  • Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

  • Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
  • Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
  • Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
  • Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
  • “Cancel for any reason” coverage.
  • “Interruption for any reason” coverage.
  • Rental car damage coverage of $35,000.
  • Sports & golf equipment rental coverage up to $5,000.
  • Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

AXA Assistance USA

Platinum Plan

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

  • Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
  • Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

AXA Assistance USA impresses with its strong global reach and access to an extensive network of medical providers. This is particularly valuable in travel insurance, where emergencies can occur in any part of the world. Their attention to detail in crafting policies that include benefits for trip cancellations and interruptions adds a layer of security that reaffirms their strengths in protecting travelers against a wide array of potential issues.

– John Crist, founder of Prestizia Insurance

  • Travel delay and baggage coverage kicks in only after a 12-hour delay.
  • The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

  • “Cancel for any reason” coverage
  • Lost ski days
  • Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali Global Assistance

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

  • Excellent trip interruption coverage of up to 175% of your trip costs.
  • Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

Generali Global Assistance excels in providing user-friendly services and efficient claims processing, which enhances customer experience significantly. Their policies are particularly valuable due to the inclusion of concierge services, which can be a lifesaver during unforeseen travel disruptions.

– Pradeep Guragain, co-founder of Magical Nepal

  • If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
  • This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
  • Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

  • Rental car coverage for theft and damage of $25,000.
  • Sporting equipment coverage of $2,000.
  • Sporting equipment delay coverage of $500.
  • “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travelex Insurance Services

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

  • Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

Travelex is a go-to for many of our clients due to its straightforward coverage options and ease of use. The company excels in offering plans that are simple to understand, which is great for first-time buyers of travel insurance. However, their basic plans might lack the depth of coverage seen with more premium offerings.

– Jim Campbell, independent travel agent and founder of Honeymoons.com

  • Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
  • Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
  • Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

  • Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

  • Medical coverage upgrade to $100,000 per person.
  • Medical evacuation upgrade to $1 million per person.
  • “Cancel for any reason” coverage of 75% (up to max of $7,500).
  • Accidental death and dismemberment coverage of $200,000 per person for flights.
  • Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
  • Car rental collision coverage of $35,000.
  • Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

HTH Worldwide

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

  • Top-notch coverage limits for medical expenses and evacuation.
  • Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
  • Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

My experience with HTH Worldwide Travel Insurance has been positive. While their policies may come at a slightly higher cost, the peace of mind and level of coverage they offer make it worth considering for travelers seeking comprehensive protection. HTH Worldwide stands out for its extensive coverage of medical emergencies, which is essential for international travel. Their policies are flexible, allowing travelers to customize coverage based on their specific requirements, and their worldwide assistance services ensure travelers have access to support wherever they are in the world.

– Kevin Mercier, travel expert and founder of Kevmrc.com

  • Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
  • Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

  • Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
  • Rental car coverage of $35,000 for damage and theft.
  • “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

  • Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
  • Includes $25,000 per person in non-medical evacuation benefits.
  • Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.

Nationwide stands out primarily for its versatility in coverage options catering to diverse travel needs—a vital advantage often overlooked by travelers until they face a mishap. They have built a robust system for handling claims efficiently, which I find crucial for travel insurance, where timely support can dramatically impact the customer experience.

  • Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
  • 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
  • “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

  • Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
  • Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

Comparing travel insurance policies can save you money, as well as ensure you have the types and amount of coverage you need. Here are key considerations for choosing the best travel insurance policy to match your needs.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside of the U.S., make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Review Travel and Baggage Delay, Missed Connection Benefits

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re worried about paying extra money due to a delay or missed connections, look for a policy that has a generous amount of travel and baggage delay coverage and missed connection insurance. You’ll also want to find a policy with a short waiting period for delays, such as six hours.

Decide How Much Flexibility You Want

If you have a lot of non-refundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” travel insurance upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

Review the Fine Print

Most travel insurance companies provide sample policies online at their websites. It’s prudent to read through them so you’re familiar with exclusions and aware of what is and isn’t covered. For example, if you plan to participate in extreme sports or adventure excursions, consider buying a policy that specifically covers these activities, as they’re often excluded.

Compare Travel Insurance Policies

Travel insurance policies often include most of the same benefits, but the cost and coverage amounts can vary significantly by policy. For example, if you need generous travel medical insurance, you can find policies with coverage of $500,000 per person. But if you don’t need that much, you can find policies that provide much lower amounts.

Purchase a Policy When You Book Your Trip

It’s wise to buy travel insurance as soon as you book your trip. That way, you get the maximum length of coverage for trip cancellation benefits. Buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs. The core types of travel insurance include the following:

Trip Cancellation Insurance

Trip cancellation insurance  reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy. Common reasons include unexpected illness, injury and family member sickness. This is different from the “cancel for any reason” travel insurance upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip, up to policy limits. Accidents and health issues can arise unexpectedly, so this is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage.

Case Study: Food Poisoning in London

I was excited to try a highly regarded restaurant while visiting London, but shortly after lunch, I experienced severe nausea and symptoms suggesting food poisoning. It got worse so quickly that I had to rush to the emergency room for medicine and IV fluids. Thankfully, my travel insurance came through. It covered 100% of the $822 in hospital charges and medication costs. The claim process was surprisingly smooth—I just submitted my records and receipts online. This experience made me realize just how essential travel insurance is!

– Katy D., New York

Emergency Medical Evacuation Insurance

Emergency medical evacuation insurance pays up to the policy limits to get you to the nearest adequate medical facility. This can especially come in handy if you are in a remote location and need emergency transportation for medical care.

Travel Delay Insurance

Travel delay insurance compensates you for expenses for things like meals and lodging if you’re stuck somewhere due to a delay that’s covered by your travel insurance plan. Specified waiting period before benefits apply—for example, six or 12 hours—and also a per-day maximum limit and a total maximum per person.

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance reimburses you for the non-refundable parts of your trip that you miss. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Insurance

Baggage insurance reimburses you for lost, stolen or damaged belongings.  But note that reimbursement is for the depreciated value of your items, not the cost to buy new ones.

And baggage delay insurance lets you recoup expenses for necessities, such as clothes and toiletries, while you wait for your luggage. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

“Cancel For Any Reason” Travel Insurance

“Cancel for any reason” (CFAR) travel insurance is optional coverage that allows you to cancel your trip for any reason that’s not listed in your base policy and be partially reimbursed for non-refundable trip costs.

You generally must cancel at least 48 hours before your departure time. Reimbursement under a CFAR claim is usually 75% or 50% of your trip costs. CFAR adds an average of about 50% to an insurance plan’s cost, but might be worth it if you want the most flexibility for trip cancellation.

“Interruption For Any Reason” Travel Insurance

“Interruption for any reason” (IFAR) travel insurance is an optional upgrade that permits you to cut short a trip for any reason and get up to 75%  reimbursement for the non-refundable money you lose. You usually must be at least 48 hours into your trip to file a claim. It typically adds 3% to 10% to your travel insurance cost.

Accidental Death and Dismemberment Insurance

Accidental death and dismemberment (AD&D) insurance is included in some policies. If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

It usually pays out a percentage of the maximum benefit, depending on the loss.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Here’s a look at the average travel insurance cost for a 30-year-old woman traveling from California to Mexico for a 14-day trip.

What Affects Travel Insurance Costs?

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

Trip Cost Being Insured

The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, non-refundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.

The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims.

The more protection you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade and generous travel medical expense coverage, you’ll pay more.

Ask The Expert

We Answer Your Questions

Insurance Lead Editor

Michelle Megna

Les Masterson

Insurance Editor

Why do most travel insurance companies not include England as a choice for a quote?

– Susan G., Van Nuys, California

Many travel insurance companies do not list England as a destination choice in their online quote systems because they instead list the United Kingdom. That means you’ll have to scroll down the list of destinations to “United Kingdom” or type it into the search field.

Do I still need travel insurance if my airline is required to refund canceled flights?

– Anna P., Austin, Texas

Travel insurance still makes sense if you have a lot of non-refundable trip costs, such as excursions, accommodations and tours. It’s especially beneficial if you’re traveling internationally. It can help pay for medical expenses and evacuation if you get sick or injured during your trip.

Why do travel insurance companies need my state of residence when I get a quote?

– John T., Lewiston, Maine

Travel insurance regulations and laws vary by state, so insurers use that information to ensure the policy you buy is the one that’s approved in your state.

You likely don’t need travel insurance if:

  • Your airfare and hotel costs are refundable.
  • You can afford to lose the money you spent on non-refundable trip costs.
  • You’re not traveling internationally.
  • You’re not traveling to a remote area with limited healthcare facilities.
  • Your destination is not prone to hurricanes and severe weather.
  • You have a direct flight.
  • You’re not worried about losing your trip investment if you need to cancel or cut a trip short.
  • Your credit card travel insurance provides adequate coverage for your trip.

A new rule going into effect in October 2024 requires airlines to provide automatic cash refunds to passengers when their domestic flights are canceled or delayed by three or more hours. Given this, I think you may want to skip travel insurance if you have a direct flight within the U.S. and you don’t have large prepaid deposits on accommodations and tours.

– Michelle Megna, Lead Editor

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience, you can purchase a policy online within a few minutes.

  • Begin shopping for a policy right after you make your first trip deposit. It’s wise to buy travel insurance right after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers .
  • Start by estimating your non-refundable trip cost. If you’re unsure of your trip cost, estimate the amount and then update it later with the travel insurance company, as long as it’s before your departure date.
  • Get quotes online or through a travel insurance agent. To get a quote, you typically need the travelers’ ages (or dates of birth), destination, travel dates, and the trip cost being insured.
  • Assess policy options and prices. You’ll usually be presented with a selection of policies at different price points, with the more expensive ones usually providing higher coverage levels. Look at the coverage limits for each line item so you know what you’re buying. Once you select a policy, you can buy it online.
  • Review the policy. You usually have two weeks or so to further review the policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

Nearly all American adults (94%) have travel plans in the next six months, according to a recent survey from Longwoods International. But potential complications like medical emergencies or natural disasters could cause turbulence for travelers, and travel insurance might be a smart investment.

To uncover the most and least risky cities for tourists, Forbes Advisor compared 60 international cities across seven key metrics. We found that Caracas, Venezuela tops the list as the riskiest city for tourists, while Singapore ranks as the safest.

Top 3 Most Risky Cities For Tourists

1. caracas, venezuela.

Caracas’ score: 100 out of 100

  • Highest health security risk, reflecting the low level and quality of healthcare services and infrastructure
  • Highest crime risk
  • Worst travel safety rating from the State Department (level 4, do not travel)
  • Second highest infrastructure security risk, reflecting the availability and quality of city infrastructure
  • Second highest digital security risk, reflecting the ability of citizens to freely use the internet without fear of privacy violations, identity theft and online attacks

2. Karachi, Pakistan

Karachi’s score: 93.12 out of 100

  • Highest personal security risk, reflecting risk from crime, violence, terrorist threats, natural disasters and economic vulnerabilities
  • Second worst travel safety rating from the State Department (level 3, reconsider travel)
  • Fourth highest infrastructure security risk, reflecting the availability and quality of city infrastructure

3. Yangon, Myanmar

Yangon’s score: 91.67 out of 100

  • Highest digital security risk, reflecting the ability of citizens to freely use the internet without fear of privacy violations, identity theft and online attacks
  • Third highest personal security risk, reflecting risk from crime, violence, terrorist threats, natural disasters and economic vulnerabilities
  • Third highest health security risk, reflecting the level and quality of healthcare services and infrastructure

Top 3 Safest Cities For Tourists

1. singapore.

Singapore’s score: 0 out of 100

  • Best travel safety rating from the State Department (level 1, exercise normal precautions)
  • Lowest natural disaster risk
  • Second lowest health security risk, reflecting the level and quality of healthcare services and infrastructure
  • Second lowest infrastructure security risk, reflecting the availability and quality of city infrastructure
  • Second lowest digital security risk, reflecting the ability of citizens to freely use the internet without fear of privacy violations, identity theft and online attacks

2. Tokyo, Japan

Tokyo’s score: 10.72 out of 100

  • Lowest health security risk, reflecting the level and quality of healthcare services and infrastructure
  • Fifth lowest infrastructure security risk, reflecting the availability and quality of city infrastructure

3. Toronto, Canada

Toronto’s score: 13.6 out of 100

  • Fourth lowest infrastructure security risk, reflecting availability and quality of city infrastructure
  • Seventh lowest health security risk, reflecting the level and quality of healthcare services and infrastructure

Study Methodology

To determine which cities are the most (and least) risky for tourists, Forbes Advisor compared 60 international cities across the following seven metrics:

  • Travel safety rating: 20% of score. Data comes from The United States Department of State, 2024. This metric reflects country-level data.
  • Crime risk: 17% of score. This metric provides an estimation of the overall level of crime in each city. Data comes from Numbeo, 2024.
  • Personal security risk: 17% of score. This metric considers how at-risk citizens are from crime, violence, terrorist threats, natural disasters and economic vulnerabilities. Data comes from The Economist, 2021.
  • Health security risk: 17% of score. This metric reflects the level and quality of healthcare services and infrastructure in a city. Data comes from The Economist, 2021.
  • Infrastructure security risk: 10% of score. This metric reflects the availability and quality of city infrastructure and its vulnerability to man-made and natural disasters. Data comes from The Economist, 2021.
  • Natural disaster risk: 10% of score. This metric reflects exposure and vulnerability to natural disasters. Data comes from The World Risk Report, published by Ruhr University Bochum, 2023.
  • Digital security risk: 9% of score. This metric reflects the ability of citizens to freely use the internet without fear of privacy violations, identity theft and online attacks. Data comes from The Economist, 2021.

We researched and analyzed 42 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

  • Couple, age 30 for a Mexico trip costing $3,000.
  • Couple, age 40, for an Italy trip costing $6,000.
  • Family of four for an Italy trip costing $15,000.
  • Family of four for a France trip costing $15,000.
  • Family of four for a U.K. trip costing $15,000.
  • Couple, age 65, for an Italy trip costing $6,000.
  • Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Methodology for Best Travel insurance

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

  • Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
  • Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

What’s not covered by travel insurance?

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

  • Injuries from high-risk activities such as scuba diving.
  • Problems that happen because you were drunk or using drugs.
  • Medical tourism, such as going abroad for a face lift or other elective procedure.
  • Lost or stolen cash.

Next Up In Travel Insurance

  • Best “Cancel For Any Reason” Travel Insurance Of July 2024
  • Best Cruise Insurance Plans Of July 2024
  • Best Covid-19 Travel Insurance Plans Of 2024
  • Best Senior Travel Insurance Of 2024
  • The 5 Cheapest Travel Insurance Companies Of July 2024
  • Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle Megna

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

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Is There Travel Insurance That Covers COVID Quarantine?

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

We get it — traveling these days can be an uncomfortable experience. In the ever-changing world of COVID-19 variants, border restrictions and PCR tests, learning how to stay protected is important.

Travel insurance can insure you against a variety of complications during travel, including trip delay, trip cancellation and medical issues. But not all policies are the same, and coverage can vary not only across providers, but across policies themselves.

Let’s take a look at travel insurance that covers COVID-19 quarantine, plus the best COVID-19 travel insurance.

What does travel insurance usually cover?

Travel insurance can provide peace of mind on vacation, especially when things go awry. There are varying types and levels of coverage for travel insurance, though these are common inclusions for travel insurance policies:

Trip cancellation insurance.

Trip interruption insurance.

Trip delay insurance.

24-hour hotline assistance.

Emergency medical insurance.

Primary/secondary medical insurance.

Lost or delayed baggage insurance.

Rental car insurance.

There's a lot of variety when it comes to travel insurance and the types of incidents it’ll cover. The cost of your premium will vary according to the plan you select.

Cancel for Any Reason insurance allows you to cancel your trip and recoup your costs, no matter why you’ve chosen to cancel.

Before buying travel insurance, check to see if any of your credit cards offer trip insurance . Some travel credit cards offer this insurance free of charge when you use your card to pay.

The Chase Sapphire Preferred® Card , for example, provides primary rental car insurance when you charge the car to your card.

The Platinum Card® from American Express , meanwhile, will cover trip cancellation, trip delay and lost luggage insurance. Terms apply.

There are no credit cards whose benefits include medical insurance. You’ll want to read the terms carefully to be sure that any travel insurance you purchase covers instances of COVID-19.

» Learn more: Will my travel insurance cover coronavirus?

Finding insurance that covers COVID quarantine

In the beginning of the pandemic, many insurance policies covered losses related to COVID-19, including trip cancellation and medical issues.

Since then, some providers have chosen to exclude coverage for coronavirus-related issues. So you’ll need to search specifically for an insurance policy that covers COVID-19.

Fortunately, there are still insurance providers that’ll provide coverage in the event you’re affected by COVID-19, including:

Trip cancellation.

Trip delay.

Medical care/hospitalization.

Quarantine.

Several countries — like Thailand — actually require that you purchase this insurance before traveling.

If you already have an insurance provider in mind, take a look at their coverage options — and any available add-ons — to see if COVID-19 quarantines are covered.

» Learn more: The best travel insurance companies

If you aren’t already committed to an insurance company, sites such as SquareMouth, a NerdWallet partner, will allow you to search for and compare policy coverage from multiple companies at once.

You’ll be asked to provide a variety of information, such as your destination, dates of travel, age, and whether you’d like to be reimbursed for cancellations.

us travel insurance covid

SquareMouth’s search also includes the ability to filter search results so you’ll only see policies with COVID-19 protections.

Once you’ve found a provider whose policy includes COVID-19 coverage, you’ll want to make certain that quarantine will also be reimbursed. Reading the policy in full will tell you; it can look something like this:

us travel insurance covid

» Learn more: What to know before buying travel insurance

How much will COVID quarantine travel insurance cost?

The price of travel insurance is going to depend on many factors, including the length of your trip, your age, your destination and your coverage limits.

As you’d expect, the more comprehensive your coverage and the higher your limits, the more expensive your policy will be. The same is true if you’re heading out of the country for an extended period of time.

When comparing insurance policies, you’ll want to think about coverage limits as well as whether the insurance will provide primary or secondary coverage. Compare these factors against other policies to see which policy is the right fit for you.

Here’s a comparison between two different policies. Although neither of these requires a deductible, one of these is secondary (it pays out after other insurance) and caps out at $15,000 per person in emergency medical expenses.

The other is primary (it pays out before other insurance policies) and covers up to $100,000 per person in emergency medical expenses:

us travel insurance covid

While $15,000 may seem like a lot of money, remember that this total includes all doctor visits, tests and medications — in addition to the cost of your quarantine stay.

If you’re staying somewhere expensive, those costs can quickly add up.

Although some communities, such as New York City, may provide cost-free isolation accommodation, others will leave you to fend for yourself.

Even if staying in a moderately priced hotel, five to 10 days (or more) of isolation can quickly run into the thousands of dollars. You’ll want to be sure your insurance policy can cover this.

» Learn more: Does travel insurance cover COVID-19?

Final thoughts on travel insurance that covers COVID quarantine

Although the world is still trying to grapple with the COVID-19 pandemic, you may be looking to get out and travel again. Being protected in the event something happens can give you peace of mind when away from home.

This is especially true when it comes to mandatory COVID-19 quarantine, when costs can easily pile up. Acquiring travel insurance with COVID-19 quarantine protection can save you — and your wallet — in case of an emergency.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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

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

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Delay Insurance

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

Insurance Benefit: Baggage Insurance Plan

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

Underwritten by AMEX Assurance Company.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve 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℠.

Chase Sapphire Preferred Credit Card

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

us travel insurance covid

us travel insurance covid

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us travel insurance covid

6 Best Travel Insurance For USA with Covid-19 Coverage

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The U.S. finally reopened for international visitors after nearly two years of strict travel bans. Considering a trip there? Even though you might be vaccinated, which is now one of the key requirements to enter the U.S. for foreign nationals, you are still at risk of contracting and spreading the virus.

Additional expenses might come with COVID-19 hospitalization and treatment. And as we are committed to supporting the health and well-being of our fellow travelers, we have chosen the 5 best insurance plans to have your back even if you travel to the U.S. during the coronavirus crisis.

So read on. These are the 5 best COVID-19 insurance plans for traveling, working, living, or studying in the U.S.

Best Covid Travel Insurance For the U.S.

  • SafetyWing Travel Insurance – Best Rated
  • Explore North America® Plus
  • CoverAmerica – Gold Insurance – The Best Benefits
  • Staysure Travel Insurance – Best for U.K. Travelers
  • Allianz Travel Insurance – Most Trusted
  • Travel Insurance Select® – Best for couples and Families

1. SafetyWing Travel Insurance – BEST RATED

us travel insurance covid

This travel medical insurance is the best option for travelers to U.S. It is also a great choice for both short and long-term tourists or remote workers.

  • Safety Wing covers COVID-19 the same way as any other illness as long as it was not contracted before your coverage start date.
  • It covers you in your home country as well, as long as your visit there is incidental.
  • Since April 15, 2021, it covers quarantine outside your home country of $50/day for up to 10 days. Note that the quarantine can be covered only once a year and if mandated by a physician or governmental authority.
  • SafetyWing Nomad Insurance is also pretty affordable . Depending on your age, the prices are as follows for a 4-week period: 10-39 years old: USD 76.72, 40-49 years old: USD 126.56. For other age groups, you can find the prices here.
  • Testing for COVID-19 is covered only if deemed necessary by a physician. That is rather inconvenient, as most countries require testing before entry.
  • It does not cover citizens from Iran, Syria, North Korea, or Cuba.

If you are new to SafetyWing, the COVID-19 coverage will be added automatically to your plan. On the other hand, if you are already part of SafetyWing, we recommend you reach out to their customer service team, and they will upgrade your plan. 

SafetyWing also offers Remote Health insurance which is suitable for long-term nomads. It is more pricey but covers pre-existing conditions, cancer treatment, and you can use it in your home country as well.

What else does this insurance cover?

On top of everything, SafetyWing covers more than 94 recreational activities, including surfing, biking, hiking, and snowboarding.

2. Explore North America® Plus — Coronavirus Travel Insurance

Seven Corners Home page

Explore North America Plus travel insurance is a comprehensive medical coverage administered by Seven Corners that offers extensive coverage for Covid19 and other diseases.

This insurance plan also covers Non-U.S. residents and Non-U.S. citizens who are traveling outside their home country to the United States, Mexico, Canada, or all Caribbean countries except Cuba.

Special COVID-19 coverage:

We have chosen Explore North America Plus because of its special benefits when it comes to coronavirus medical expenses. 

Most travel insurances that claim to cover COVID-19 medical treatments include a “convenient” fine print that says they won’t cover you if the country you are visiting has a government no-travel alert, which most countries have.

That does not happen with Explore North America® Plus. If you contract COVID-19 on your trip, you’re covered, as simple as that.

  • The plan covers medically Usual, Reasonable and Customary (URC) treatment for COVID-19 up to $100,000 or whichever is less.
  • Emergency Room Services – (URC) up to medical maximum – $100 copay
  • Urgent Care Visit – (URC) up to medical maximum – $20 copay

Other benefits:

  • It also covers some onset of pre-existing conditions
  • Hospital Indemnity – Only applies to Canada, Mexico and the unrestricted Caribbean countries* – Up to $150 per day, 30-day limit
  • Incidental trips on your home country – Up to $10,000
  • Dental – Relief of pain – Up to $200
  • Dental – Accident – Up to $5,000
  • Evacuation and Repatriation – Up to $500,000 (separate from the medical maximum)
  • It only covers trips of up to one year
  • It does not cover people older than 74 
  • *The plan does not cover trips to Cuba.

Interested? – Get your quote here !

3. CoverAmerica – Gold Insurance – The Best Benefits

CoverAmerica is perfect for travelers and tourists visiting the U.S. who are not citizens or residents of the country.

  • CoverAmerica covers COVID-19 as any other medical condition. However, note that it has to be purchased for at least 30 days to be eligible for the benefit.
  • Unlike other travel plans, it has comprehensive coverage for COVID-19 . That means you can get reimbursement for delays, quarantine days, or missed flight connections if you get infected with the coronavirus.
  • The coverage limit is up to USD 1,000,000 (conditions may apply).

us travel insurance covid

  • NOT available for U.S. citizens and residents.
  • Citizens from Iran, Syria, the Virgin Islands, Ghana, Nigeria, and Sierra Leone cannot contract this insurance. 
  • This travel insurance covers emergency treatment of pre-existing conditions, acute dental treatment, and eye exams.

To learn more about CoverAmerica and its plans, click here .

4. Staysure Travel Insurance – BEST FOR U.K. TRAVELERS

Staysure Travel Insurance is the best choice for visitors traveling from the U.K., Spain, France, or Portugal.

  • Staysure covers trip cancellations , emergency medical treatment, as well as repatriation expenses if you get affected by COVID-19 (conditions may apply).
  • It also offers daily benefits if you have to self-isolate, additional accommodation, and transport, but only if mandated by a health official.
  • If your close relative or a member of your household is hospitalized or dies of COVID-19, you can cancel or cut your trip short and claim reimbursement.
  • Moreover, it is reasonably priced. To get a quote, visit the website here .
  • ONLY for travelers traveling from the U.K., Spain, France, or Portugal.
  • You won’t be covered if you have refused any dose of the COVID-19 vaccine.
  • Does not cover COVID-19 testing, which is often needed to be able to travel.

What’s covered?

us travel insurance covid

Note that Staysure doesn’t cover you if you travel during government or regional lockdown.

5. Allianz Travel Insurance – Most Trusted

Allianz Travel Insurance is suitable for all types of travelers traveling from Ireland. From digital nomads and remote workers to students and backpackers, they offer a variety of plans in three different levels – bronze, silver, and gold.

Pros: 

  • This travel insurance covers general COVID-19 medical treatment, as well as additional accommodation , transport , or cancellation of your trip if you contract the virus.
  • They offer several insurance plans, such as Single Trip Insurance, Backpacker Travel Insurance, or Annual Multi-Trip Travel Insurance.
  • You can cancel or cut your trip short if your close relative or travel companion gets seriously ill from the disease.
  • If the DFA (Department of Foreign Affairs) advises against all non-essential travel, you can make your claim only if you provide documentation that you travel for a specific reason, not leisure.
  • It is ONLY for citizens and residents of the Republic of Ireland.
  • Allianz Travel Insurance offers an extensive Winter Sports and Ski add-on.

Interested in this insurance travel plan? Get your quote .

6. Travel Insurance Select®

Travel Insurance Select, homepage

This plan is a great fit for American couples, families, and friends traveling together around the country or overseas. Tours, business trips, and those traveling with social groups can also be covered by Travel Insurance Select®

Benefits and non-insurance:

  • Trip cancellation coverage – it refunded you up to 100% of the money you invested in your trip.
  • Coverage for trip interruption – you can get up to 150% of your trip expenditures back (depending on the coverage you choose).
  • Travel Delay – If your trip is delayed for 12 hours or more due to covered circumstances such as carrier-caused delays, lost passports, strikes, or bad weather, you may be eligible for reimbursement for certain extra charges, up to the maximum for the option you chose.
  • Missed Connection – Depending on your plan, you may be eligible for reimbursement of up to $1,500.
  • Covid Quarantine Benefit: “Travel Insurance Select Elite plan offers coverage for accommodations due to a covered Trip Delay $2,000/$250 per person per day (12 hours) is included in the basic coverage.”
  • Emergency support services are available 24/7, so you may get aid whenever you need it.

Example – Quote for a couple in their late 30’s traveling for two weeks from California to Washington :

us travel insurance covid

Medical Expense

All plans include emergency medical evacuation, medical repatriation and return of remains.

It can pay reasonable expenses for an emergency medical evacuation ordered by a physician for a covered injury or sickness to the next acceptable medical facility or home, if medically necessary, up to the limit for your preferred option.

Waiver of Pre-Existing Medical Conditions available for the Plus and Elite plans.

Special COVID-19 coverage

COVID-19 is treated as any other illness.  Trip Cancellation benefits may be available if you are treated by a legally certified physician.

A person who gets ill while traveling in an affected nation may be eligible for Emergency Medical Expense or Emergency Medical Evacuation benefits.

A person who is required to enter quarantine in their destination due to a positive Covid-19 test can be eligible for Trip Interruption, Travel Delay, or Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment.

The basic plan does not cover Cancel for Any Reason.

So, what do you think? Have you chosen your favorite? We hope our comparison has helped you at least a bit, and you will have peace of mind even while traveling during unpredictable times such as the pandemic. Enjoy, stay safe, and see you in the U.S.!

Disclaimer: Most travel insurance companies are still adapting to the “new normal” way to travel the world. We strongly advise you to check with your insurance company before committing to any insurance plan. 

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COVID Travel Insurance

What does travel insurance cover .

We recognize that the outbreak has created unprecedented challenges for travelers and have sought to provide coverage that is relevant and useful in the current context. One of the most significant changes that we have made to our  Travel protection plans  is to include COVID coverage. This coverage varies depending on the policy and includes benefits such as  Trip Cancellation  or  Trip Interruption  coverage if the insured or a family member contracts COVID, as well as  Emergency Medical  and  Evacuation  coverage related to COVID.

AXA Travel Protection coverages:

  • Coverage for medical emergencies if you have an accident or become ill, including COVID
  • Coverage for medical repatriation, including when its causes are related to COVID
  • Cancellation of your trip if you fall ill with COVID before your departure or if you are placed in quarantine
  • Your doctor advises you not to travel due to a proven medical contraindication
  • You (or your travel companion) fall ill with COVID before your departure
  • You are placed in quarantine because a member of your household has tested positive for COVID or if you have been officially notified

Disclaimer: The COVID Coverage applies within the limits provided in the general conditions and when supporting documents are provided to us - i.e., results of an official PCR test medical certificate attesting to your isolation. It is important to note that the specifics of travel coverage for COVID will depend on the plan selected, date of purchase, and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have. Consult the general conditions of the travel policy to ensure that the guarantees offered correspond to your needs.

Getting Travel Insurance has never been easier!  

Start your  quote  now, and within minutes, you’ll have your insurance certificate in hand. Select your destination, travel dates, and traveler details,  compare travel coverage options , and add any optional  benefits  to create a custom policy that fits your unique needs.  In addition, we have taken steps to ensure that our customers can access the coverage and assistance they need if they contract COVID while traveling. Travelers seeking more information while traveling or who have any other questions regarding their specific travel protection plan, call us at  1-855-327-1442 or via collect call at 1-312-935-1719 While travel remains challenging in the current context, our effort to provide relevant and useful coverage can help provide peace of mind for travelers as they navigate the new normal. IMPORTANT : This list is subject to change depending on the evolution of the health situation. Travelers are advised to keep themselves regularly informed of the situation in the country they wish to visit. We advise you to consult the website of the U.S. Department of State, which updates and details the conditions of entry and/or obtaining visa country by country.

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Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

If I am quarantined before or during my trip because of COVID exposure or illness, am I covered?

Can i take out travel insurance even though i am not yet vaccinated against covid, if i want to cancel my trip because i’m afraid of exposure to covid, does my travel protection plan cover that, if i have booked a trip that leaves at some future date and my destination is affected by covid-19, will i receive reimbursement for my claim if i cancel my trip, does the u.s. require covid testing for re-entry, if i am required to be quarantined on my scheduled return date, will my additional expenses be covered for hotel, food, and transportation, if i test positive for covid during my trip, does the plan provide reimbursement for my lodging expenses, can i claim the ticket expenses if the airlines denied my boarding due to failure to meet the entry requirements of the destination country related to travel restrictions associated with covid, a family member who was our host contracted covid, and i am now forced to incur hotel expenses. is this covered, if the destination/resort to where i traveled mandates covid testing: 1) is the cost of the mandatory test covered 2) will a positive test result administered by a non-qualified physician be satisfactory, due to the restrictions in place in the country where i had to travel, my travel agent changed my dates of stay and/or destination. does my travel coverage apply the same way, i tested positive for covid and my physician ordered me to quarantine. my quarantine is now over, and i am feeling well; however, i have an upcoming trip next month, can i proceed to file a trip cancellation claim.

Do you have questions about your policy regarding COVID? Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8 AM-7 PM Central Time  

licensed agents available

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

COMMENTS

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