• Best overall
  • Best for exotic trips
  • Best for trip interruption
  • Best for family coverage
  • Best for long trips

How we reviewed international travel insurance companies

Best international travel insurance for may 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.

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 for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best international travel insurance

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

How we rate the best international travel insurance »

Compare the best international travel insurance companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Allianz Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
  • con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
  • con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
  • Single and multi-trip plans available
  • Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
  • Preexisting medical condition coverage available with some plans

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 TravelSmart, 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 for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

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 for trip interruption: C&F Travel Insured

C&F C&F Travel Insured

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
  • con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
  • con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
  • C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

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 C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travelex Travel Insurance

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. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

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 Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Seven Corners Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
  • con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
  • con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
  • Trip cancellation insurance of up to 100% of the trip cost
  • Trip interruption insurance of up to 150% of the trip cost
  • Cancel for any reason (CFAR) insurance available

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 

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.

We ranked and assigned superlatives to the best 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. 

International travel insurance FAQs

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. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

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.

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.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

essentials plus international travel insurance

  • Main content

The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

essentials plus international travel insurance

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

essentials plus international travel insurance

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

essentials plus international travel insurance

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

essentials plus international travel insurance

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

essentials plus international travel insurance

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

essentials plus international travel insurance

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

essentials plus international travel insurance

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

essentials plus international travel insurance

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

essentials plus international travel insurance

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

essentials plus international travel insurance

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

essentials plus international travel insurance

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

essentials plus international travel insurance

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

essentials plus international travel insurance

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

essentials plus international travel insurance

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

essentials plus international travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

essentials plus international travel insurance

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

essentials plus international travel insurance

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

essentials plus international travel insurance

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

essentials plus international travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

  • Travel Insurance
  • Best Travel Insurance Companies

12 Best Travel Insurance Companies Of May 2024

Michelle Megna

Expert Reviewed

Updated: May 21, 2024, 4:06pm

Key Takeaways

  • The best travel insurance companies are PrimeCover, Travel Insured International and WorldTrips , based on our analysis of 42 policies.
  • Travel insurance policies package together valuable benefits that compensate you for pre- and post-departure problems. For example, if you cancel your trip or get injured during your trip.
  • The average cost of travel insurance is 6% of the trip cost you’re insuring, based on our analysis.

Considering Travel Insurance?

Via Forbes Advisor's Website

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Best Travel Insurance Companies: Summary

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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

The Best Travel Insurance Companies in More Detail

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.

GREAT FOR ADD-ON COVERAGE

WorldTrips

Atlas Journey Premier

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment 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 5 hours.
  • Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 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 Premier 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.
  • Destination wedding coverage in case the wedding is canceled.
  • Baggage insurance upgrade to $4,000 per person.
  • Rental car theft and damage coverage of $50,000.
  • Political or security evacuation benefits of $150,000 per person.
  • Vacation rental accommodations coverage of $500 if unclean or overbooked.
  • Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
  • Hunting and fishing coverage for equipment and cancellation due to government restrictions.
  • 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

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. – Joe Cronin , advisory board member

  • 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. – Joe Cronin , advisory board member

  • 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. – John Crist, founder of Prestizia Insurance

  • 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.

These policies offer the highest level of medical coverage among the plans that we judged to be the best.

These policies offer the highest level of emergency medical coverage among the plans in our top picks.

These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best.

Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks.

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:

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.

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

If you can’t afford to lose the non-refundable money you’ve spent on your trip, travel insurance is worth getting. Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. We suggest that you check your health plan details to see what it provides outside the U.S. Travel medical insurance fills the gap.

You’re Going to a Remote Area or Out to Sea

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You’re Traveling to a Hurricane-Prone Destination

If you’re concerned about hurricanes or other severe weather affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

  • Your destination is under a hurricane warning.
  • Your destination is uninhabitable due to severe weather.
  • Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

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.

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.

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

Americans are ready to take trips abroad in May: 86% of travel insurance purchases for trips taking place May 1-31, 2024, are for international trips, based on our analysis of policy sales.

Italy is the top international destination for trips this month, followed by Great Britain and France. In addition:

  • The average trip cost being insured for people traveling outside the U.S. in May is $6,339.
  • The average trip cost being insured for folks traveling within the U.S. this month is $7,111.
  • Americans traveling internationally are paying an average of $405 for their travel insurance policies for May trips and domestic travelers are paying an average of $228.

essentials plus international travel insurance

Average Trip Cost for Popular Destinations

Here’s how average trip costs for five popular destinations are trending. Numbers reflect the average of non-refundable trip costs being insured.

  • Italy. Spending is trending up for Italy trips this summer, with a significant spike expected in September.
  • France. Average trip costs are climbing in June, then dropping over the summer months.
  • Great Britain. After an uptick in July, spending on Great Britain trips is trending down for August and September.
  • Japan. Average costs for trips are dipping in June and July, but are slated to jump higher in August and October than they have in the past year.
  • Mexico. Travelers are spending more on trips in June and August compared to July, but less in September.

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.

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 May 2024
  • Best Cruise Insurance Plans Of May 2024
  • Best Covid-19 Travel Insurance Plans Of 2024
  • Best Senior Travel Insurance Of 2024
  • The 5 Cheapest Travel Insurance Companies Of May 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.

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 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.

essentials plus international travel insurance

Travelex Insurance Services »

essentials plus international travel insurance

Allianz Travel Insurance »

essentials plus international travel insurance

HTH Travel Insurance »

essentials plus international travel insurance

Tin Leg »

essentials plus international travel insurance

AIG Travel Guard »

essentials plus international travel insurance

Nationwide Insurance »

essentials plus international travel insurance

Seven Corners »

essentials plus international travel insurance

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.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

Matthew Steen

List of brands we tested in this review.

  • Battleface 2
  • Cover-More 5
  • FastCover 4
  • Flight Centre 4
  • Go Insurance 4
  • InsureandGo 3
  • Southern Cross Travel Insurance (SCTI) 3
  • Tick Travel Insurance 4
  • Travel Insurance Direct 3
  • Virgin Australia 5
  • WAS Insurance 2
  • World Nomads 2
  • World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

  • One trip 65
  • Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

  • Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

  • Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

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Are stolen or damaged personal belongings covered

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The overall limit for stolen or damaged personal belongings.

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Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

  • Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

  • Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

  • Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

  • Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

  • Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

  • Optional 34

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Your International Travel Checklist: 27+ Essentials

Your International Travel Checklist: 27+ Essentials

Last Updated: May 3, 2024 May 24, 2024

Whether you’re flying between continents, embarking on a cruise, or taking a cross-border train, traveling internationally can be a thrilling experience. However, to get the most out of your journey, you’ll want to plan carefully. 

Each country has its own unique entry requirements, and many comforts you’re used to might not be available everywhere you go. A comprehensive checklist helps you stay organized so you don’t forget crucial items or tasks. 

In this guide, we explore the reasons you need an international travel checklist and the essential things it should include.   

Why You Need an International Travel Checklist  

Purchasing travel tickets and booking hotels is an exciting part of international travel , but there’s lots more to keep in mind. A checklist is a failsafe that prevents you from overlooking critical steps, such as securing visas, that could put a damper on your journey if not completed.   

If navigating new environments and unexpected challenges is stressful, a checklist can help reduce anxiety. By following a checklist, you can feel more confident knowing that you’ve made all the necessary preparations. 

Things to Do Before International Travel

Here’s a list of important steps to take before departing on an international trip: 

1. Obtain Travel Documents

Your passport is one of the most important items for international travel because you can’t get across a border without it. If you don’t have a passport, you can fill out the Department of State form DS-11 online or at a passport agency to begin the process.

Be aware that processing times can take 6-8 weeks, though expedited processing is available for an added fee. If you already have a passport, ensure it’s valid for at least six months past your intended return date. 

Though many countries allow visa-free travel for US passport holders, you’ll want to check your destination’s requirements beforehand. The process for securing visas differs by country; some nations require applying through their embassy or consulate, while others will issue a visa upon arrival. Costs can also vary widely. Make sure to budget accordingly and allot plenty of time for your destination country to process your application.

2. Secure Travel Insurance

A comprehensive travel insurance policy provides peace of mind and financial protection against unforeseen circumstances when you’re trotting the globe. As with other types of insurance, you’ll pay a premium based on specific risk factors, such as your age, trip duration, cost, and destination. Trip cancellations , medical emergencies , and lost luggage are much less of a headache when you’re covered by a reputable insurance provider. 

We recommend comparing travel insurance policies from multiple sources and providers to make sure you get the best policy at the best price. Our comparison platform makes it easy to get quotes from top-rated providers in just a few clicks. Many travel credit cards and airlines also offer travel protection plans to their customers, which may be worth considering as you plan your trip.  

3. Take Health Precautions

Traveling internationally means putting your body in environments and situations it’s not used to, which can lead to illness or injury. Consult with your physician to receive essential vaccinations and preventive medications based on your health history and travel plans. They can also advise you on strategies to prevent travel-related illnesses, such as how to evaluate food and water sources for safety. 

4. Notify Your Bank and Emergency Contacts

Most financial institutions have security measures in place for unusual activity, such as making purchases in a foreign country. Triggering one of these alerts may automatically decline the transaction. Providing your bank or credit union with your travel details helps ensure your overseas shopping excursions go smoothly. 

Informing your emergency contacts about your itinerary, including arrival/departure times and where you’re staying, is a wise move for safety, so someone knows your whereabouts and has alternate means of contacting you in case of an unexpected event.  

5. Research your destination

Travel advisories and weather forecasts are two important things to research before visiting foreign countries. You can check the US Department of State or World Health Organization for reputable information about potential risks, such as political conflict, public health issues, and so on.   

On a more positive note, learning all about your destination countries helps you build familiarity with local customs, traditions, and mannerisms. Knowing how the locals operate can lead to a more engaging experience. It can also help you avoid cultural faux pas that could offend people in your host country.  

Things to Bring When Traveling Internationally

Here’s what to pack to ensure a safe, exciting trip overseas:

Travel Essentials

  • Passport and other travel documents
  • Money and credit/debit cards
  • Travel itinerary and contact information for accommodations 
  • List of emergency contacts
  • Travel-sized toiletries 
  • Neck pillow and blanket
  • Travel guidebooks

Clothing and Accessories

  • Weather-appropriate clothing for your destination
  • Swimwear (if applicable)
  • Comfortable shoes for walking
  • Lightweight jacket or sweater for layering
  • Sunglasses and sunscreen

Technology and Entertainment

  • Smartphone, tablet, and/or laptop 
  • Camera and other portable photography equipment (such as tripods, extra lenses)
  • Books or an e-reader
  • Portable charger
  • Travel adapter and voltage converter
  • Headphones or earbuds

Safety and security 

  • Money belt or concealed storage for valuables
  • Personal safety alarm or whistle
  • Luggage locks and/or cable ties for securing luggage
  • Digital or physical copy of important documents (passport, ID, travel insurance) 

An international travel checklist is your ticket to a well-prepared trip abroad. By following the steps outlined in this guide and using resources like Squaremouth for travel insurance, you can embark on your adventure with confidence, ready for whatever the world has in store. 

By Casey Clague

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Chubb Travel Protection provides coverage, services and resources that enhance travel security and peace of mind.  The programs we offer are uniquely designed to cover the unexpected risks related to travel, helping customers travel without worry.

Chubb Travel Protection provides simplified products, reliability, and ease of purchase.

There are three plan options available to travelers - Travel Basics, Travel Choice & Travel Essentials.

Travel Basics  provides travelers with the core travel insurance benefits including Trip Cancellation, Interruption, Delay, Baggage and Medical coverages. This plan is designed for the budget traveler.

Travel Essentials provides travelers with the core travel insurance benefits along with additional value and increased coverage limits. This is our most popular plan as travelers with both domestic and international travel arrangements find advantages in having this coverage.

Travel Choice is our most comprehensive travel insurance plan and provides the highest coverage limits we have available. This plan is generally purchased for international travel to help protect what tend to be higher trip investments. Coverage also includes increased medical and emergency medical evacuation benefits.

All coverage includes worldwide travel assistance that provides concierge, emergency medical, emergency travel, and pre-trip services.

Additional benefits and plan features are made available when purchasing the travel insurance plan within 15 days of the initial trip payment. These benefits include waiver of the pre-existing conditions exclusion, upgrading trip cancellation and trip interruption benefits to cover the financial default of a tour operator, or providing certain benefits on a primary basis. The additional benefits vary by plan.

Optional benefits may be selected and require additional premium. All plans include optional coverage for Car Rental Collision and Flight Accident. Medical upgrades vary by plan.

Note: All benefits may not be available in all states.

The Chubb Advantage

  • Consistency: Chubb Travel Protection is a one stop solution for travel companies – we take care of all licensing, service, technology, operations and distribution, so you can concentrate on maximizing your income.
  • Global Capability: Chubb has dedicated, fully licensed travel insurance operations in over 50 countries, and the ability to provide insurance solutions in over 140 countries.
  • Expertise and Experience: We have extensive, proven experience in finding ways to maximize revenue for our partners through multiple distribution channels.
  • First Class Service: Our global service network will take care of your travelers just about anywhere they travel to.
  • Technology Integration: Our Chubb CRS travel technology platform is designed for speed to market and versatile connectivity. We can power your travel insurance through integration with any GDS or connectivity method you may require.
  • Financial Strength: Our strong financial ratings are indicative of Chubb’s solid capital base and financial stability.

For more information, please contact Chubb Travel Protection at [email protected] .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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

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essentials plus international travel insurance

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International Travel Insurance

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We offer two types of international travel insurance:

  • International Essentials  for those who want a little extra spending money, offering excellent coverage without breaking the bank.
  • International Plus  ensuring you’re prepared for just about any situation with extensive coverage for a huge range of events.

Once you’ve chosen the best level of cover for you,  get an express quote online right now .

To speak to someone on the phone about our travel insurance policies, call us now on 1300 889 178.

Got a question?

1300 889 179.

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Travel Insurance Product Disclosure Statement

The Kogan Travel Insurance difference

Unlimited overseas medical benefits

Explore with confidence knowing that we will be there to alleviate emotional and financial stress in your time of need.~

Need COVID-19 cover?

We offer limited coverage for COVID-19 amendment and cancellation costs. ≈

24-hour emergency, medical and security assistance

Our team of in-house doctors, nurses and case managers are available to help you 24/7.

Comprehensive insurance

Cover for luggage, trip cancellations, medical expenses (on International plans) and more! View PDS .

Up to $12,000 luggage and personal effects cover*

Cover for items such as phones, laptops, jewellery and more (on International Plus plan).*

Get in touch

~ Medical and dental cover will not exceed 12 months from the onset of the illness, injury, or condition. ^ The level of cover You choose applies per policy. * Sub-limits apply. # Limits apply. • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if You wish. † Maximum liability collectively is $45,000. ≈ A special excess will apply to Additional Expenses if You are diagnosed with COVID-19 on Your trip and Amendment or Cancellation Costs if You or Your travelling companion are diagnosed with COVID-19 on Your trip. If Your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess.

Please note: Limits, sub-limits and conditions apply. This is general advice only. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the  Target Market  and  Target Market Determinations  visit  koganinsurance.com.au/useful-docs/ .

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

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Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Compare Our Best Travel Insurance Plans

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Are you heading off on a long-awaited break? Before you jet off, it’s important to consider protecting your trip with the right travel insurance for your needs.

You can compare our Cover-More travel insurance plans below to find the one that best fits your holiday, planned activities, and budget.

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We offer travel insurance plans for Australian residents looking for comprehensive or basic cover, as well as a Cover-More annual travel insurance plan.

Want to speak to someone? You can call our agents on 1300 72 88 22 to discuss if our travel insurance plans. Otherwise, all purchased Cover-More travel insurance policies come with our 21-day cooling-off period** so you can buy with confidence.

International travel insurance plans for Australian residents

Compare our plans below to find the most suitable plan for your overseas trip:

  • International Basic : This plan is designed for travellers heading off overseas who want cover that helps protect against the essentials only. Only Single Trip policies are available on this plan.    
  • International Comprehensive : This travel insurance plan provides the benefits travellers want and much more, helping to keep you – and your belongings – safe while you’re overseas. This plan is available on both Single and Annual Multi-Trip policies.    
  • International Comprehensive+ : This is our best travel insurance plan for travellers looking for Cover-More’s most comprehensive international cover. It contains all our key benefits and highest coverage amounts for those travelling abroad. Both Single and Annual Multi-Trip policies are available on this plan.

Compare our International Cover-More Travel Insurance Plans

For full details on all the benefits and benefit amounts included in our international travel insurance plans, see the Product Disclosure Statement . It includes the terms and conditions, sub-limits and exclusions that you should consider before you purchase.

Are you an overseas resident looking for an inbound travel insurance plan for a trip to Australia? Our Inbound Plan may be suitable for you.

Want us to safeguard your overseas trip?

Find out how we can help keep you travelling safely today.

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Domestic travel insurance plans for travel within Australia

Compare our plans to discover which one is best for you while you explore your home country:

  • Domestic Basic: This plan is our basic travel insurance option for local budget-conscious travellers who only want our Cover-More team to provide cover for the absolute essentials. This base-level cover option is available on Single Trip policies only.    
  • Domestic Comprehensive: This quality travel insurance plan provides local travellers with all the essential benefits plus a lot more, which can help provide much-needed assistance should an unexpected incident occur. Travellers can purchase this plan on a Single Trip or Annual Multi-Trip policy.    
  • Domestic Comprehensive+: This is our most comprehensive travel insurance plan for domestic travellers who want the top level of cover for their trip in Australia. This plan can be bought as either a Single Trip policy or an Annual Multi-Trip policy.

For full details on our domestic travel insurance plans – including the terms and conditions, sub-limits and exclusions – see the Product Disclosure Statement before you consider purchasing one of our Cover-More travel insurance policies.

Want us to cover your domestic trip?

Compare our plans to find the best travel insurance policy for you.

* Sub-limits apply. Please refer to the PDS for full policy conditions.    ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.    ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^ Cover chosen applies per policy.    ^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.    † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.    • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See PDS for full details.

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Why do i need travel insurance.

Part of the travel experience is heading into the unknown. Being well prepared is the best way to start. Travel insurance covers you from the moment you purchase the Policy until you come home safely. You’re even covered for cancellation before your trip takes off.

Along the way you’ll be covered for unexpected events beyond your control, including lost bags and unlimited medical cover. You’ll find a summary of our policies in our Policy brochure. For full details of cover and exclusions, see your House of Travel consultant.

We’re hugely passionate about travel and have teamed up with Allianz Partners, a world leader in assistance and travel insurance.

Allianz Partners has direct support worldwide, from people who care about people. With 33 centres operating in 28 countries.

Together, we offer an unparalleled standard of emergency medical assistance to policy holders.

Make an online claim

As part of your claim you may be required to: 1. Provide supporting documentation such as original invoices, receipts, and other vouchers relating to your expenses or loss. 2. Produce your policy details 3. Provide all the information required to enable the claim to be considered.

What documentation is required to make a claim?

You must give any information reasonably asked for to support your claim at your expense, such as, but not limited to, police reports, valuations, medical reports, receipts or proof of ownership. If required, you may be asked to provide translations into English of such documents to enable Allianz to carry out our assessment of your claim. • For loss or theft of your baggage or personal effects, you should notify the local police or local government authority with 24 hours and you must obtain a copy of the incident report. • For damage or misplacement of your baggage or personal effects caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they make. • For medical or dental claims please contact Allianz Partners as soon as practicable and ensure that you retain all reports, receipts, doctor’s certificates and other information.

Important claims information

All claims are paid in New Zealand dollars. Allianz will pay you unless you advise to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Depreciation will be applied to claims for Luggage and Personal Effects at such rates as reasonably determined by Allianz Partners. If you can make a claim against someone in relation to a loss or expense covered under this policy and you do not get paid the full amount of your claim, Allianz will make up the difference. You must claim from them first.

Emergency assistance

If you require emergency assistance while you are travelling you should contact the Allianz Global Emergency Assistance Team. When you call please have your name, policy number, details describing your emergency and a contact phone number, including area code to provide ready for the operator. Within New Zealand: 0800 778 103 Reverse charge call through telephone operator: +649 486 6868 It is important that travellers tell Allianz immediately when they become aware of any circumstances that may give rise to a claim. If you require assistance with a claim while overseas, you need to call and they will give advice on what to do. If you are asked to submit a claim, you must do this within 30 days of your return to New Zealand. To reduce delays in processing a claim, travellers should ensure documentation is submitted at the time of claim.

Travel Insurance FAQs

No , travel insurance is the same price if you buy it straight away, or on the day of departure. Delaying the purchase simply leaves you uninsured for the travel funds you have just invested. More than a third of all claim costs paid by Allianz Partners are for customers that were unable to travel due to unexpected events, so we strongly recommend to everyone to take out travel insurance on the day you pay your deposit.

No , travel insurance policies can vary greatly, so it is very important that travellers check through and make sure that the policy suits your needs.

Yes, travel insurance is needed for all international travel. Some people assume that they don’t need travel insurance because New Zealand has a reciprocal health agreement with Australia. However, not all health costs are covered, including ambulance call outs, doctor visits or private hospitalisation.

As there are no reciprocal health agreements in place with the South Pacific nations, any healthcare costs need to be paid for. Even relatively small injuries or illness can run into thousands of dollars.

Travel insurance policies can differ greatly, including the level of cover, automatically included benefits, exclusions and terms and conditions.

It is important to check that the policy meets your requirements for cancellation benefits, coverage of any pre-existing medical conditions and coverage of higher value personal effects. We recommend that travellers check through the policy to make sure that it meets your needs. 

Buying a travel insurance policy at your local store will provide you with back up and support from your House of Travel consultant. With customer permission, our booking system also allows us to track our customers around the world. This has proved to be incredibly useful during crisis around the world.

With House of Travel Travel Insurance, Allianz Partners’ doctors, registered nurses, logistic professionals and support personnel will be there for you. If you need emergency help, call Allianz Partners toll-free 24/7. The assistance team based in Brisbane will assign you a case manager who will assist.

For non-emergency help or to lodge a claim you can contact Allianz Partners claims team who are based in Auckland. > Make an online claim

  • 8. How do I declare my pre-existing medical conditions? Your House of Travel consultant will give you a toll-free telephone number to call the Allianz Partners' medical assessment team, Monday-Friday, 9-5pm. Please have your travel insurance policy or quote number ready to give to the medical assessor. You will be asked a series of questions about your medical conditions. If you are unsure of your conditions, please discuss with your treating doctor first. 

Yes, House of Travel strongly recommends you register your travel plans at www.safetravel.govt.nz before you travel. Safe Travel is the official registration website for New Zealanders travelling or living overseas. Ask your House of Travel consultant for our travel insurance Policy Wording. 

essentials plus international travel insurance

Travelling abroad? Don’t forget to pack these 5 essentials

T here is no denying that travelling provides a break from routine, allowing you to relax, rejuvenate, reduce stress, and revitalize. It offers a chance to disconnect from work and responsibilities, and just unwind and let loose. When we talk about travelling internationally, it creates a sense of excitement and anticipation. Whether it's exploring new cultures, visiting historical landmarks, or trying out different cuisine, international travel offers us the opportunities for discovery and adventure.

Travelling internationally, or anywhere, for that matter, requires planning. Along with travel tips for the location you're visiting, there are a few other things you need to make sure your trip goes off without a hitch, and every contingency is in place for unforeseen circumstances. There are also a few things you may need to realize you even need. From carrying sunscreen that suits your skin to managing all your documents, it’s all handy. This is precisely why a travel checklist of things that you absolutely "must have" for your trip is the best way to ensure you're prepared for anything and everything.

Here are some of the things you should definitely have on your checklist, even though you might not always realize how important they are:

  • Foreign exchange: Firstly, it’s not necessary that making online transactions or using a debit/credit card would work everywhere. Second, if you can use your card, there’s every possibility that you’ll also be paying a few additional fees on every transaction. This is why getting specific Forex cards or carrying currency are the wisest things to do. Forex cards are usually prepaid and cashless, and quite safe, and cash simply works anywhere and everywhere, especially in places that don’t accept any other payment option.
  • International roaming: Staying connected in 2023 is more of something you need, than something you only want. From staying in touch with friends and family to updating your Instagram, you need a network that is reliable and has great coverage. A few things that makes international roaming such a great choice include the fact that it eliminates the need to change your SIM card, that means your existing number is always on, so receiving important SMS messages like OTPs for online transaction, banking and getting other updates is seamless. It also means you don’t need to rely on unsecured public Wi-Fi every now and then.

Airtel International Roaming is a great option in this case, and not purely for the convenience it offers in setting it up (using the Airtel Thanks App or the website ), it’s also quite affordable and the best part is, you don’t need to change your SIM card. It can prove to be a far better option in so many ways and Airtel has packs that are easy on the pocket with just Rs. 133 per day. So consider this remarkably hassle free and convenient utility when setting off on your next trip. It also provides 24x7 customer support while keeping you connected on the go.

  • Travel insurance: This should always be on your checklist while travelling. A travel insurance policy offers financial protection for unexpected events that can impact your trip. The right travel insurance will cover not just the medical expenses, or trip cancellations, but also secure you from situations like lost luggage, and other unforeseen circumstances. You might think it unnecessary but, or that nothing will go wrong, but this little document can be a lifesaver if you ever need it.  
  • Tech accessories: While travelling, it is typical to rely on your smartphone for a lot of things, which means you want to make sure it’s always charged and ready to go so a battery pack is always a must. Let’s not forget the good old selfie-stick that lets you take those superb pics of gorgeous backgrounds with you in them. Another important thing to remember is to carry a universal travel adapter as your regular charger may not work with foreign sockets and current. So keep your tech safe with the right tech.
  • Extra storage: Another handy accessory to have is a collapsible backpack/bag that you can bring out whenever you’re on a shopping spree. Not only will you have that little extra space when you need it, but it can be just what you need when you’re going back home with plenty of souvenirs and other shopping. Plus, carrying it won’t be a problem if it can be folded and stored away easily. 

So, it’s now quite obvious, international travel requires careful planning and preparation if you want to make absolutely sure you have a carefree, fun time. So, consider these pointers and again, while these may not be the first things that come to mind, make sure you're prepared and most of all connected at all times with international roaming plans by Airtel .

Along with, it is important to select the right network provider while travelling internationally and this is where Airtel International Roaming packs excel. International Roaming packs for destinations like the US, UK and UAE can prove to be more affordable than local SIMs. With Airtel offering seamless coverage in over 180+ countries with service that will also be activate during your layovers , it becomes the perfect choice for travelers.

Travelling abroad? Don’t forget to pack these 5 essentials

  • Domestic Travel Insurance

International Travel Insurance

  • Make a Claim
  • COVID-19 FAQs

Cover for your overseas adventures

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win 1 of 3 $15,000 NZD cash prizes. See the full T&Cs  here .

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  1. Travel Insurance

    Up to $50,000 cover for non-refundable trip cancellation costs (including for Covid-19 diagnosis) Up to $5,000 cover if you incur additional travel expenses (including for Covid-19 diagnosis) Up to $10,000 for lost or stolen luggage (sub limits apply) Up to $1,600 cover if you experience travel or baggage delays. Up to $8,000 rental car excess.

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    Insurance; and 2. In case of a one way trip between the travel commencement date shown on your Certificate of Insurance and terminating on either 15 days from the travel commencement date shown on the Certificate of Insurance or on the date you depart the sovereign territory of your Jetstar ticketed destination, whichever is sooner.

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    Fast Cover Travel Insurance 4.6. Seniors Travel Insurance 4.6. Worldcare Travel Insurance 4.4. See more. 🏆 2024 Award. + 2. Fast Cover Travel Insurance. Ad. Jetstar Travel Insurance (Travel Insurance): 1.4 out of 5 stars from 9 genuine reviews on Australia's largest opinion site ProductReview.com.au.

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    For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.

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    Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our OneTrip Prime plan, kids 17 and under are covered for free ...

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    Here's a list of important steps to take before departing on an international trip: 1. Obtain Travel Documents. Your passport is one of the most important items for international travel because you can't get across a border without it. If you don't have a passport, you can fill out the Department of State form DS-11 online or at a ...

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    AllTrips Premier. This plan provides an entire year of worldwide travel protection and concierge service. One plan can cover you and your household, whether you're traveling separately or together. Discover the affordable and comprehensive travel insurance plans offered by Allianz Global Assistant. Get a Quote and buy online instantly.

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    Flexible plans start at $59 and cover travel delays, lost luggage, medical expenses and travel assistance for your leisure trips throughout the year. Customize your plan by adding just the right amount of trip cancellation coverage for how you travel. Annual plans.

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    PART 2. 4. Policy inclusions and choices. Single Trip or Annual Multi-Trip. The Essentials travel insurance policy provides cover for international travel. You can choose a policy to cover one Single Trip or, if You are a frequent traveller, rather than buying a Single Trip policy each time You travel, You may want to buy an Annual Multi-Trip ...

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    International Plus ensuring you're prepared for just about any situation with extensive coverage for a huge range of events. Once you've chosen the best level of cover for you, get an express quote online right now. To speak to someone on the phone about our travel insurance policies, call us now on 1300 889 178. Policy Benefits.

  19. Basic Travel Insurance

    About the Essential Plan. Budget-friendly. Perfect for domestic travel. 24/7 emergency assistance. Optional add-on coverage. Family coverage. We understand you have a budget, that's why Travel Guard offers our Essential Plan. With fewer coverages and lower benefit limits, the Essential Plan is often the lowest cost option for most travelers.

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    Buying Bupa Travel Insurance for your trip can offer cover for minor things, like a delayed suitcase, or significant things, like an unexpected trip cancellation or an overseas medical emergency. ... You may be eligible for pre-existing medical condition cover on International Plus and International Essentials, for Single and Multi-Trip plans ...

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    In the State of California, operating as WorldTrips Insurance Services. California Non- Resident Producer License Number: 0G3970. WorldTrips shares a comprehensive list of travel essentials for your next adventure whether you're traveling domestically or abroad. One essential is travel medical insurance.

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    For full details of cover and exclusions, see your House of Travel consultant. We're hugely passionate about travel and have teamed up with Allianz Partners, a world leader in assistance and travel insurance. Allianz Partners has direct support worldwide, from people who care about people. With 33 centres operating in 28 countries.

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