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11 Best Travel Insurance Companies in August 2024

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

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

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

» Jump to the best cards with travel insurance

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

• Travel Advice
• General Information

Filing a Travel Insurance Claim: Step by Step Guide

Last Updated: March 8, 2023 July 29, 2024 — 4 min read

In a perfect world, there would be such a thing as risk-free travel. Unfortunately, no matter what type of trip we are planning, there’s always the chance that things go wrong. Travel insurance exists to offer protection from the unexpected, and mitigate the financial risks associated with traveling. 

In the unfortunate event that you encounter travel issues, it’s important to know the steps needed to be reimbursed by your travel insurance provider through filing a claim . 

How to Claim Travel Insurance

Having to file a travel insurance claim can seem like a bothersome, daunting process. However, it doesn’t have to be.

If you’ve experienced travel disruptions or need to be reimbursed for other covered reasons, there are steps you can take today to begin filing your claim and make the process as seamless as possible. Squaremouth breaks down how travel insurance claims work.

Step 1: Review Your Policy Details 

This step should really be done well before you get to the stage of filing a claim. Whether you have a single trip or annual plan, understanding your travel insurance policy is crucial when determining if you are entitled to reimbursement. In fact, misunderstanding coverage is one of the most common reasons for denied travel insurance claims.

To review your policy details, it’s recommended to read your travel insurance policy’s Certificate of Insurance . This would have been sent to you shortly after purchasing your policy. The certificate details the benefits, coverage limits, and any important exclusions found in your specific policy.

For example, this certificate will outline how long you must be delayed before coverage kicks in, and how much medical reimbursement you may be entitled to. In addition, these policy details will also include the contact information of your provider, should you need to file a claim.

Step 2: Contact Your Travel Insurance Provider

If your trip is impacted and you believe you are eligible for reimbursement, it’s advised to get in touch with your provider as soon as reasonably possible. For example, in the event you experience a medical emergency, you should seek treatment first, and call your insurance company when you are able to. 

The reason it’s important to contact your travel insurance provider early on in the process is because they are able to provide important policy information in real-time. They will be able to offer advice, inform you on coverage options, and help guide you through the start of the claims process.

Step 3: Get Your Documents in Order

When filing, you will need to have evidence that supports your claim. For this reason, it’s important to have all documentation related to your loss. This includes any receipts related to expenses you’ve paid and any refunds you may have received. 

Documents that may be relevant to your claim include: 

• Airline, hotel, rental car, and excursions receipts
• Cancellation notices from prepaid bookings
• Delay notices from airlines
• Medical and emergency services bills
• Notes from licensed physicians 
• Correspondence with relevant parties
• Police reports
• Unused tickets
• Refunds received during your trip

Keeping either physical or digital copies of the above documents, as well as any other applicable files, will help make the claims process as smooth as possible.

Step 4: File Your Claim

Once you’ve contacted your insurance provider and collected all relevant documentation, you can now submit your claims form to your travel insurance provider. 

Most travel insurance companies allow policyholders to file a claim over the phone, through their website, or through their app if they have one. As you go through the process, your provider will clearly outline what’s needed in each step, and will contact you if any additional items are needed.

In most cases, it’s most efficient to file your claim online. That way, you can upload your documentation digitally all at once, rather than relying on email.

How Long Does A Travel Insurance Claim Take?

The timeframe of your specific claim will largely depend on the provider, the complexity of your claim, and how quickly the provider receives all necessary documentation. 

Being knowledgeable of your policy and organized are two great ways to give yourself the best chance of a quick and easy claims process.

What If My Travel Insurance Claim is Denied?

If you feel your claim was incorrectly denied, there are actions that you can take to try and correct the decision. 

First, you may have an opportunity to file an appeal with your insurance provider. If your claim was rejected because you filed the claim incorrectly, did not attach required documentation, or made mistakes when filling out a form, you should get in contact with your provider to remedy the situation.

Another way to protect yourself from denied claims is to purchase a policy with a Zero Complaint Guarantee , a level of security attached to every policy bought through Squaremouth. With the Zero Complaint Guarantee, our licensed claims adjusters will investigate your case and mediate with your provider on your behalf.

If all else fails, travelers may also file a complaint with their state’s Department of Insurance. This service is designed to investigate cases where consumers have been wrongfully denied a claim by their insurance provider. This process is not guaranteed to overturn a claim decision, but offers another layer of protection for travelers in the event their case was rejected.

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• Plan Your Trip
• Safety & Insurance

How To Claim Travel Insurance

Published: December 18, 2023

Modified: December 28, 2023

by Caterina Cauley

• Hotel Reviews

Introduction

Traveling to new and exciting destinations is an exhilarating experience that enriches our lives with unforgettable memories. However, unforeseen circumstances such as flight cancellations, medical emergencies, or lost luggage can disrupt our travel plans and lead to unexpected expenses. This is where travel insurance plays a crucial role in providing financial protection and peace of mind.

Travel insurance offers a safety net that can alleviate the financial burden of unexpected events while traveling. Whether you're embarking on a weekend getaway or a globetrotting adventure, having the right travel insurance can make a significant difference in ensuring a smooth and worry-free journey. In this comprehensive guide, we will delve into the intricacies of travel insurance, including the types available, how to purchase it, and most importantly, how to effectively claim travel insurance when the need arises.

Understanding the fundamentals of travel insurance and the process of filing a claim is essential for every traveler. By familiarizing yourself with the intricacies of travel insurance, you can navigate through unforeseen challenges with confidence, knowing that you have a reliable safety net to fall back on. Let's embark on this enlightening journey to unravel the mysteries of travel insurance and empower ourselves with the knowledge to make the most of our travel experiences.

Understanding Travel Insurance

Travel insurance is a vital financial safeguard designed to protect travelers from unforeseen events that may occur before or during a trip. It serves as a safety net, offering coverage for a wide range of potential mishaps, including trip cancellations, medical emergencies, lost luggage, and travel delays. By investing in travel insurance, travelers can mitigate the financial risks associated with unexpected disruptions and focus on enjoying their journey with peace of mind.

One of the key aspects of understanding travel insurance is recognizing its role in providing coverage for various travel-related contingencies. This can include trip cancellation or interruption coverage, which reimburses non-refundable trip expenses if the trip is canceled or cut short due to covered reasons such as illness, natural disasters, or airline strikes. Additionally, medical expense coverage ensures that travelers receive necessary medical treatment and assistance in the event of illness or injury while traveling.

Moreover, travel insurance often includes coverage for lost, stolen, or damaged baggage, as well as travel delay coverage, which provides reimbursement for additional expenses incurred due to delayed departures or arrivals. Understanding the specific inclusions and exclusions of a travel insurance policy is crucial for making informed decisions and selecting the most suitable coverage for individual travel needs.

Furthermore, travel insurance can offer emergency assistance services, such as 24/7 travel assistance hotlines, which provide support and guidance in navigating unfamiliar situations while abroad. This can encompass medical referrals, legal assistance, and coordination of emergency medical evacuations if necessary.

By gaining a comprehensive understanding of the multifaceted protection that travel insurance offers, travelers can make informed choices when selecting a policy that aligns with their travel plans and provides the necessary coverage for a worry-free journey.

Types of Travel Insurance

Travel insurance is not a one-size-fits-all solution, as the diverse needs and preferences of travelers necessitate a range of coverage options. Understanding the types of travel insurance available is essential for selecting a policy that aligns with individual travel plans and provides comprehensive protection. Here are the primary types of travel insurance to consider:

• Trip Cancellation and Interruption Insurance: This type of insurance provides coverage for non-refundable trip expenses if the trip is canceled or cut short due to covered reasons, such as illness, injury, or other unforeseen circumstances. It helps travelers recoup their financial investment in the trip.
• Medical Insurance: Medical insurance for travel covers the costs of medical treatment, hospitalization, and emergency medical evacuation during the trip. This type of coverage is crucial, especially when traveling to destinations where healthcare expenses can be exorbitant.
• Baggage and Personal Belongings Insurance: This insurance offers protection against loss, theft, or damage to luggage and personal belongings during the trip. It provides reimbursement for the replacement of essential items in the event of such incidents.
• Travel Delay Insurance: Travel delay coverage reimburses travelers for additional expenses incurred due to delays in scheduled departures or arrivals, such as accommodation, meals, and other essentials during the waiting period.
• Emergency Assistance and Evacuation Insurance: This type of insurance provides access to 24/7 emergency assistance services, including medical referrals, coordination of emergency medical evacuations, and travel guidance in unfamiliar situations.

Additionally, some travel insurance policies offer specialized coverage tailored to specific travel needs, such as adventure sports coverage for activities like skiing, scuba diving, or mountain climbing. Understanding the nuances of each type of travel insurance enables travelers to make informed decisions and select comprehensive coverage that aligns with their unique travel plans and potential risks.

By evaluating the specific coverage options within each type of travel insurance, travelers can customize their insurance policy to meet their individual needs and embark on their journeys with confidence, knowing that they are protected against unforeseen contingencies.

How to Purchase Travel Insurance

Obtaining the right travel insurance is a crucial step in ensuring a worry-free and protected travel experience. The process of purchasing travel insurance involves several key considerations to effectively address individual needs and provide comprehensive coverage. Here are the essential steps to purchase travel insurance:

• Evaluate Your Travel Needs: Before purchasing travel insurance, assess your specific travel plans, including destination, duration, activities, and potential risks. Understanding your unique travel needs will guide you in selecting the most suitable coverage options.
• Research Insurance Providers: Conduct thorough research on reputable insurance providers that offer comprehensive travel insurance policies. Compare the coverage, benefits, and customer reviews of different providers to make an informed decision.
• Review Policy Inclusions and Exclusions: Carefully review the inclusions and exclusions of each policy to ensure that it aligns with your travel requirements. Pay attention to coverage limits, deductibles, and any additional options or riders available.
• Request Quotes and Compare Prices: Obtain quotes from multiple insurance providers and compare the prices of different policies. Consider the value of the coverage in relation to the cost to determine the most cost-effective option.
• Purchase the Policy: Once you have selected a suitable travel insurance policy, complete the purchase process through the insurance provider’s website, a licensed agent, or a travel booking platform. Ensure that all necessary documentation and policy details are provided upon purchase.
• Understand Policy Documentation: Thoroughly review the policy documentation, including the terms and conditions, coverage details, and contact information for assistance. Familiarize yourself with the claims process and emergency support services provided by the insurance company.
• Keep Policy Information Accessible: Store a copy of the travel insurance policy, including the policy number and emergency contact information, in a readily accessible location during your travels. This ensures quick access to essential details in case of an emergency.

By following these steps, travelers can navigate the process of purchasing travel insurance with confidence and ensure that they are equipped with the appropriate coverage for their upcoming journeys. Making informed decisions and selecting a comprehensive policy tailored to individual travel needs is instrumental in safeguarding against unforeseen contingencies while traveling.

Filing a Travel Insurance Claim

When unexpected events disrupt your travel plans, filing a travel insurance claim is the crucial next step in seeking financial reimbursement for incurred losses or expenses. Whether it involves trip cancellations, medical emergencies, or lost belongings, understanding the process of filing a travel insurance claim empowers travelers to navigate through challenging situations with clarity and confidence.

The following steps outline the essential process of filing a travel insurance claim:

• Notify the Insurance Provider: In the event of an incident that may lead to a claim, promptly notify your insurance provider to initiate the claims process. Most insurance companies have specific timeframes within which claims must be reported, so timely notification is essential.
• Complete Claim Forms: Obtain and complete the necessary claim forms from the insurance provider. Provide accurate and detailed information about the incident, including dates, locations, and any relevant documentation supporting the claim.
• Gather Supporting Documents: Collect all relevant documentation to substantiate the claim, such as medical reports, police reports (in case of theft or loss), receipts for expenses incurred, and any other evidence required by the insurance company.
• Submit the Claim: Compile the completed claim forms and supporting documents, and submit them to the insurance provider as per their specified procedures. Ensure that all required information is accurately provided to expedite the claim assessment process.
• Cooperate with the Claims Adjuster: Upon submitting the claim, the insurance company may assign a claims adjuster to assess the validity of the claim. Cooperate with the claims adjuster, providing any additional information or documentation as requested.
• Review Claim Settlement: Once the claim is processed and reviewed, the insurance company will communicate the claim settlement details. Review the settlement offer carefully and seek clarification on any aspects that may require further explanation.
• Receive Claim Reimbursement: Upon acceptance of the claim settlement, the insurance company will disburse the approved reimbursement amount according to the terms of the policy. Ensure that the reimbursement covers the eligible expenses as per the policy coverage.

By following these steps and maintaining open communication with the insurance provider throughout the claims process, travelers can effectively navigate the journey of filing a travel insurance claim and seek rightful reimbursement for unforeseen expenses incurred during their travels.

Documents Required for Claiming Travel Insurance

When filing a travel insurance claim, providing the necessary documentation is essential to substantiate the occurrence of the incident and the associated expenses. The required documents may vary based on the type of claim, such as medical emergencies, trip cancellations, or lost belongings. Understanding the specific documents needed for claiming travel insurance enables travelers to prepare and organize the essential paperwork for a smooth and efficient claims process.

Here are the key documents commonly required for claiming travel insurance:

• Completed Claim Form: The claim form serves as the official document to report the details of the incident for which the claim is being filed. It captures essential information such as the policyholder’s details, the nature of the claim, and the incurred expenses.
• Proof of Travel Insurance Coverage: Provide a copy of the travel insurance policy document, including the policy number, coverage details, and contact information for the insurance provider. This serves as evidence of the active insurance coverage during the travel period.
• Proof of Travel Itinerary: Submit the travel itinerary, including flight tickets, hotel reservations, and any pre-booked activities or tours. This validates the travel plans and the financial investment in the trip.
• Medical Reports and Bills: In the case of medical emergencies, include medical reports, hospital bills, prescriptions, and any documentation related to the medical treatment received during the trip. This substantiates the medical necessity and expenses incurred.
• Police Reports (if applicable): For incidents such as theft, loss, or criminal activities, provide copies of filed police reports to document the occurrence and support the claim for lost belongings or expenses related to criminal incidents.
• Receipts and Invoices: Maintain receipts and invoices for expenses related to the claim, such as replacement purchases for lost belongings, additional accommodation costs due to travel delays, or any other eligible expenses covered by the policy.
• Photographic Evidence: Include photographs of damaged belongings, the scene of an incident, or any visual evidence that supports the claim. Visual documentation can strengthen the validity of the claim.
• Communication Records: Keep records of communication with the insurance provider, including email correspondence, claim submission acknowledgments, and any additional information exchanged during the claims process.

By organizing and preparing these essential documents, travelers can streamline the claims process and provide comprehensive evidence to support their travel insurance claims. Ensuring the accuracy and completeness of the documentation enhances the likelihood of a successful claim settlement, providing the necessary financial reimbursement for unforeseen expenses incurred during travel.

Steps to Claim Travel Insurance

When the need arises to claim travel insurance due to unforeseen events during a trip, following a structured approach can streamline the claims process and facilitate a prompt and efficient resolution. Understanding the specific steps involved in claiming travel insurance empowers travelers to navigate through the process with clarity and confidence, ensuring that rightful reimbursement is obtained for eligible expenses. Here are the essential steps to claim travel insurance:

• Report the Incident: Promptly notify the insurance provider about the incident that may lead to a claim. Adhere to the specified timeframe for reporting claims to ensure timely initiation of the claims process.
• Understand Policy Coverage: Review the travel insurance policy to understand the coverage details, inclusions, exclusions, and the specific procedures for filing a claim. Familiarize yourself with the eligible expenses and the documentation required for substantiating the claim.
• Gather Necessary Documentation: Collect all relevant documentation, including completed claim forms, proof of travel insurance coverage, travel itinerary, medical reports and bills (if applicable), police reports (in case of theft or loss), receipts for expenses, and any other supporting evidence required for the claim.
• Complete the Claim Form: Fill out the claim form accurately, providing detailed information about the incident, the incurred expenses, and any other relevant details as per the requirements of the insurance provider.
• Submit the Claim: Compile the completed claim form and supporting documents, and submit them to the insurance provider through the designated channels, such as online claim submission portals, email, or physical mail, following the specified procedures.
• Cooperate with the Claims Adjuster: Upon submission, cooperate with the claims adjuster assigned by the insurance company, providing any additional information or documentation as requested to facilitate the assessment of the claim.
• Review the Claim Settlement: Upon the completion of the claims assessment, carefully review the claim settlement details provided by the insurance company, ensuring that the reimbursement amount aligns with the policy coverage and the incurred expenses.
• Receive Claim Reimbursement: Upon acceptance of the claim settlement, the insurance company will disburse the approved reimbursement amount according to the terms of the policy, providing the necessary financial relief for the incurred expenses.

By following these structured steps and maintaining open communication with the insurance provider throughout the claims process, travelers can navigate the journey of claiming travel insurance with confidence, ensuring a prompt and fair resolution for unforeseen expenses encountered during their travels.

Tips for Successful Travel Insurance Claim

When filing a travel insurance claim, certain strategies and considerations can significantly enhance the likelihood of a successful and expedient claim settlement. By adhering to best practices and understanding the nuances of the claims process, travelers can maximize their chances of obtaining rightful reimbursement for eligible expenses. Here are valuable tips for ensuring a successful travel insurance claim:

• Understand Policy Coverage: Familiarize yourself with the specific details of your travel insurance policy, including the coverage inclusions, exclusions, and any limitations. Understanding the policy parameters enables you to align the claim with the eligible expenses and documentation requirements.
• Report Incidents Promptly: Notify the insurance provider as soon as an incident occurs, adhering to the specified timeframe for reporting claims. Timely notification facilitates the initiation of the claims process and demonstrates diligence in addressing unforeseen events.
• Provide Accurate Information: Ensure that all information provided in the claim form and supporting documents is accurate and comprehensive. Detailing the incident, expenses, and any relevant circumstances truthfully and thoroughly strengthens the validity of the claim.
• Organize Documentation: Maintain a well-organized set of documents, including completed claim forms, proof of travel insurance coverage, receipts, medical reports, police reports, and any other evidence required for the claim. Organized documentation expedites the claims assessment process.
• Cooperate with the Claims Adjuster: Collaborate with the claims adjuster assigned by the insurance company, providing any additional information or documentation promptly and transparently. Cooperation facilitates a comprehensive assessment of the claim.
• Review Claim Settlement Details: Thoroughly review the claim settlement offer provided by the insurance company, ensuring that the reimbursement amount aligns with the policy coverage and the incurred expenses. Seek clarification on any aspects that require further explanation.
• Maintain Communication: Keep open lines of communication with the insurance provider throughout the claims process, seeking updates and clarifications as needed. Proactive communication demonstrates your commitment to a fair and transparent claims resolution.
• Seek Professional Assistance if Needed: In complex or challenging claim scenarios, consider seeking professional assistance from legal or insurance experts to ensure that your rights are protected and the claim is handled appropriately.

By embracing these tips and best practices, travelers can navigate the process of claiming travel insurance with confidence and diligence, optimizing the chances of a successful claim settlement and obtaining the necessary financial relief for unforeseen expenses incurred during their travels.

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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.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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The best travel insurance policies and providers

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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?

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?

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?

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

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 .

Submit a travel insurance claim to Manulife

For CoverMe™ or Affinity* policyholders

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CoverMe or Affinity* customers: Start a travel claim by logging in to our Manulife and Active Care Management (ACM) site. Please register and start a claim on the ACM site .

*Alumni, professional and retail members are sometimes referred to as Affinity customers. Not sure if you're an Affinity customer?  Check our listing to find out.

( Group Benefits customers: Start a travel claim by logging in to the Global Excel Management web portal. Please register and start a claim on the Global site. )

Submit a CoverMe or Affinity travel insurance claim

Sign in to the ACM travel claims portal to start or check on a claim

Start your travel claim

Follow these steps to register online, and start a claim:

Step 1: Create and register an account at our ACM travel portal

• Go to the Manulife ACM travel portal
• Click Register at the top right corner of the page
• Fill in the required information
• Click the Create account button when done (an activation link will be sent to your email for confirmation purposes)

Step 2: Log in

Once you’ve activated your account from the email ACM sent you, log in using the credentials you just set up for your new account (or simply log in, if you already have an account with ACM).

Step 3: Start a claim

Click on New claim, visible at the top of the page.

Step 4: Select your claim type

From the drop-down menu, select the claim type that describes your type of claim the best (e.g., medical or non-medical). If a medical claim, select the type of medical you are making (e.g., Out of province medical, Visitors to Canada, Student plan)

Step 5: Complete claimant information, policy number and other required information

Fill out all the required fields, and select ‘Next’.

Step 6: Complete the certification and authorization statement

Step 7: Attach supporting information*

Attach any supporting documentation or receipts, and select ‘Next’.

Step 8: Submit your claim

Click ‘Submit’ to complete your claim. Check your email inbox and look for the email confirmation from us that we received your claim.

Once we assign your case to a claims examiner, you’ll receive another notification from ACM. Remember: you can view your claim details any time by clicking on ‘Completed claims’ on the ACM website home page .

* Put together all official receipts. They need to show a description of the product or service you paid for (proof of payment's required, but not credit card receipts). Be sure to keep copies for your records including:

• Original itemized bills and receipts
• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: an emergency room (ER) report; clinical documentation or a letter from your treating physician
• If you’re hospitalized, and need to make a hospitalization claim, we require a copy of your medical records from the treatment facility
• Any additional information relevant to your claim

Submit your claim by email

Scanned copies of all completed and signed claims forms and supporting documents can be submitted to ACM by email to:  [email protected]

Make a paper claim

If you’d like to send us a paper claim, here’s how:

• Trip cancellation claim form (PDF)
• Remember to include and attach to your claim any supporting documents requested (e.g., receipts, provincial coverage details, statements from other health plans)

Please mail any supporting documentation to:

CoverMe Travel Insurance c/o Active Care Management P.O. Box 1237, Stn. A Windsor, ON N9A 6P8

Like online claims, all receipts need to include a description of the product or service paid for (credit card receipts aren’t required), printed on the store/provider’s official invoice paper (keep copies of all paperwork for your records).

Receipts needed may include:

• Any and all medical records or certificates provided at time of treatment and include a diagnosis, such as: the emergency room (ER) report; clinical documentation or a letter from your treating physician

Additional information may be found on our Affinity Group Support page .

About the TravelAid TM app

TravelAid is a free app that gives you travel assistance when you’re travelling. It’s GPS-enabled and provides travellers immediate assistance, no matter where they are in the world. 

App features:

• Medical facility search – Since the app is GPS-enabled, it can provide directions to the closest medical facility wherever you are in the world
• International 911 lookup – Find emergency phone numbers easily, even when you’re in another country
• Travel tips – For Canadians travelling outside the country and visitors to Canada
• Start a travel claim – You can start a travel claim right on the app
• Contact claim administrators, ACM – There’s a direct link in the app that connects you immediately to 24/7 medical assistance

Download the app

Visit the Apple app store or Google Play to download the app.

Give us a call

The  toll free number provided on your insurance policy is the best one to call. But if that number isn't available, the toll free numbers listed below, according to travel policy type, also connect you with our Assistance Centre.

Call our Assistance Centre if you:

• Experience a medical emergency during your trip (please call our Assistance Centre as soon as possible and prior to any medical treatment)
• Are on a trip and need some non-medical assistance
• Need to make a general claim inquiry, or need help with the claim forms
• Need to start a Trip Cancellation claim
• Are a health care provider, inquiring about payment information or the status of a claim

For information about how to reach us by email, or to submit a paper claim, please refer to the second tab to the left, titled “Email and paper claims”.

Within North America, toll-free  1-800-805-1008

Outside North America, call collect  +1 (519) 251-1570

Within North America toll-free  1-855-857-5919

Outside North America, call collect +1 (519) 251-7298

Inside North America, call toll-free  1-833-389-1089

Outside North America, call collect  +1 (519) 945-1812

Inside North America, call toll-free 1-888-881-8010

Outside North America, call collect +1 (519) 945-8346

Inside North America, call toll-free 1-877-878-0142

Outside North America, call collect +1 (519) 251-5166

Inside North America, call toll-free 1-877-331-3134

Outisde North American, call collect +1 (519) 251-7401

You may also find immediate access to the Assistance Centre through the TravelAid™ mobile app. To learn more about the app or download it, click on the App claims tab, just to the left in this tab menu.

You may also call Manulife’s CoverMe travel department (toll free at 1-800-268-3763 ) if you:

• Have general inquiries about travel products or coverage before you leave on your trip
• Are looking to purchase travel insurance prior to your trip
• Would like to add or change your coverage, prior to leaving or while you are on your trip

How long does it take to process a travel claim?

It’s our goal to process eligible claims promptly. To help us do so, please:

• provide us – as soon as possible – the medical information we need from your treating or family physician 
• send in a fully completed claim form, including all requested supporting documentation
• remember that we may need other information from the medical providers (e.g., doctors, hospitals), so our response time may be impacted by when we receive mail from them

Frequently asked questions

In some cases, you may be able to deduct travel insurance premiums from your gross income when it comes to tax time. In most situations, however, travel insurance costs are not deductible. Be sure to ask an accountant or financial advisor as to the status of these costs prior to making them, if a concern.

The cost of travel insurance is not a medical expense. It's a cost incurred to protect you when travelling against any unforeseen circumstance that leads to your incurring a cost to protect your health and well-being while on a trip away from home.

Travel insurance claims involve completing a form and submitting it to the insurance company you purchased the travel insurance from. The forms tend to be detailed and take a bit of time to complete.

All supporting documentation requested in the claim form must also accompany your submission. Incomplete claims are generally not accepted and will need to be redone before going through the claims review process.

Generally, costs you incur while away you pay for out-of-pocket. Then, you're reimbursed by the insurance company after you return home and submit a claim.

In some instances (e.g., hospital stays), another arrangement can be made. In those cases, travellers may call us to make a plan for covering the costs.

Travel insurance claims go through an adjudication process. If the policyholder provides everything the insurance company needs to determine the validity of the claim and verify the expenses, then the claim will be approved.

There’s nothing for the policyholder to do to get a claim approved. One can only ensure their claim is complete, that all questions are answered, and all supporting documentation provided when the claim is first submitted. Also, if the company has any outstanding questions, the policyholder should provide answers as soon as possible to expedite the claim verification process.

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

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Four Insider Tips for Filing a Travel Insurance Claim

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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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Travel Medical Insurance

Travel accident and sickness plans with COVID-19 coverage. Travel Medical Insurance is perfect for when you travel outside your home country.

Trip Protection & Cancellation

For a small percentage of your trip cost, you can insure your trip. Trip cancellation plans will protect you in the event something happens that causes you to cancel your trip.

International Student Insurance

Our Collegiate Care plans have you covered if you are coming to the U.S. to attend college or participate in a research program.

Visitor Medical Insurance

Traveling to the USA? Our temporary travel accident and travel medical insurance plans give you the coverage you need without breaking the bank.

Our Company

Trawick International® is a full-service travel insurance provider. We specialize in travel insurance coverage for all types of travelers: tourists, students, scholars, cruisers, families, businesses, groups, and more.

Our trip insurance plans give you the peace of mind you need to feel secure no matter what type of traveler you are or where you go. When you feel secure, you are free to enjoy your travel experience to its fullest.

Let Trawick International® take care of all your travel insurance, trip protection, and student travel insurance needs so you can focus on your trip ahead.

We pledge to provide the travel insurance, trip protection, student insurance, group travel products and the service you need so that you can focus on worry-free travels, wherever they may take you.

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Pride 2024 Travel

Pride 2024 travel tips, destinations, and more. Read the blog.

2024 Summer Travel Trends

From travel methods to destination choices, there are exciting trends emerging for the year that could inspire your next adventure!

Spring Break 2024 Destinations

Looking for destination inspiration for Spring Break this year? Look no further! From beach days, nightlife, and family-friendly vibes, we've got a list of destinations to help you turn your spring break into a vacation to remember!

Annual Travel Insurance: The Ultimate Travel Companion

Annual travel insurance provides cost-effective coverage for multiple trips throughout the year. Rather than purchasing individual policies for each trip, an annual plan allows you to pay a single premium for year-round coverage. This can result in substantial savings for those who embark on multiple journeys throughout the year.

Cruising Into Wave Season 2024

If you've got a case of the winter blues, fear not—Wave Season is here to sweep you off your feet and onto the deck of your dream cruise. As the temperatures drop, cruise lines are rolling out the red carpet with unbeatable deals, setting the stage for you to take an epic voyage in 2024.

Gifting the World: Give Travel This Holiday Season

Imagine the look on your loved one's face when they unwrap a trip to Paris instead of another pair of socks. Travel isn't just about the places; it’s about the stories, the experiences, and those 'wow' moments that photos can't quite capture. If you re gifting travel, don't forget to wrap it up with unsung here of travel: travel insurance This little addition is all about protecting the traveler and the investment in the trip itself. Read the blog.

The Thrill of Adventure Travel

In the realm of travel, adventure travel is not just about seeing new places, but about immersing yourself in experiences that challenge you and invigorate your soul. Adventure travel is a passage to the experiences that lie beyond the ordinary, well-trodden tourist trails. Read the blog.

Travel Trends for the 2023 Holiday Season

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Discover Japan

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Best Cruise Destinations 2023

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Dia de los Muertos

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Honeymoon Destinations 2022

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Jewish High Holiday Travel

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Road Trip Ready

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Cruise Guidelines | August 2022

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Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

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Enjoy Even More Peace of Mind with Our New & Improved Princess Vacation Protection

Life can be unpredictable but you can rely on princess vacation protection.

One of the most common questions we hear from our guests is, ‘Should I buy travel protection?’ If you want to spend more time relaxing and less time worrying about the unexpected, the answer is ‘yes’. That’s why we offer Princess Vacation Protection (PVP), which provides a cancellation fee waiver1 plus travel insurance benefits2 and 24-hour worldwide CareFree™ Travel Assistance 3 . Help protect in the event of unforeseen illness, including COVID-19, trip delays, baggage issues and more. It’s a convenient way to help ease your worries before setting sail.

Your benefits just got better – and you can still enjoy low prices!

New improvements:.

• Increased benefits up to 150% of vacation cost for Trip Interruptions.
• Increased Emergency Evacuation benefits up to $50,000 for the standard plan and $75,000 for the platinum plan.*

Benefits at a Glance

Cancel for any reason 1.

Cancellation Fee Waiver 1  (Non-insurance features provided by Princess Cruises) Life is unpredictable… but you can rely on Princess Vacation Protection. If you need to cancel for specified reasons outlined in the Cancellation Fee Waiver section of the plan, you’ll receive a refund of your cancellation fees. If you need to cancel for any reason not listed in the plan, under the “Any Reason” Cancellation Enhancement feature, you’ll receive 75% of the cancellation fee amount in the form of future cruise credits under our Standard plan and 100% under the Platinum plan.

Trip Interruptions

If you need to interrupt your trip due to a covered reason such as an illness or injury, you are eligible for reimbursement of prepaid cruise/land arrangements made through Princess and/or the cost of one-way airfare to get you home.

Medical Evacuation

Princess Vacation Protection also provides coverage in case your medical condition requires emergency evacuation to an appropriate medical facility.

Medical Expenses

Most medical expenses are covered in case you become sick or injured during your trip.

Trip Delays

If you are delayed starting your trip or returning home, you may be reimbursed for expenses that were not arranged through Princess – including meals, hotel, and transportation.

Personal Belongings

Your baggage is also covered in the event it is damaged, lost, stolen, or delayed to your destination.

24/7 Support

Need help? You will have access to 24/7 worldwide assistance for travel, medical, and emergency services.

The plan terms, conditions and exclusions are available online:

Captain’s Circle Loyalty Benefit

Available in both a Standard and Platinum plan, choose the plan you want based on the coverage and plan price that works best for you. Captain’s Circle members who have achieved Ruby, Platinum or Elite status who elect to purchase Standard PVP automatically receive a complimentary upgrade to PVP Platinum; we’ll pay the difference in plan cost on your behalf.

3 Ways to Purchase Princess Vacation Protection

Princess Vacation Protection can be purchased at the time of booking or up until final payment. You are considered enrolled as soon as the plan cost has been paid.

• When you  Book your Cruise  on Princess.com
• Call 1-800-Princess or contact your Travel Advisor
• Already Booked Guests can purchase in  Manage Booking

Product Details

Cancellation Fee Waiver 1 (Non-insurance features provided by Princess Cruises)

Life is unpredictable… but you can rely on Princess Vacation Protection. If you need to cancel for specified reasons outlined in the Cancellation Fee Waiver section of the plan you’ll receive a refund of your cancellation fees. If you need to cancel for any reason not listed in the plan, under the “Any Reason” Cancellation Enhancement feature, you’ll receive 75% of the cancellation fee amount in the form of future cruise credits under our Standard plan and 100% under the Platinum plan.

Travel Insurance Benefits 2 (Underwritten by Nationwide®)

Sail through your vacation with less to worry about.

Trip Interruption:  Up to 150% total trip cost reimbursement for missed, prepaid cruise arrangements and/or the cost of one-way airfare if you must start your vacation late or need to come home early due to illness, injury and more.

Trip Delay:  Up to $500 for any pre-cruise trip delay expenses and/or post-cruise trip delay expenses up to $1,500 (not to exceed $1,500 for both pre- and post-cruise delays) for meals, hotel and transportation.

Baggage Delay:  Up to $500 if your luggage is delayed during travel.

Baggage/Personal Effects:  Up to $1,500 ($3,000 with the Platinum plan) if your stuff is lost, stolen or damaged.

Accidental Medical Expense:  Up to $10,000 ($20,000 with the Platinum plan) if you become injured while traveling.

Sickness Medical Expense:  Up to $10,000 ($20,000 with the Platinum plan) if you become sick while traveling.

Emergency Medical Evacuation/Repatriation: Up to $50,000 ($75,000 with the Platinum Plan) in the event your medical condition requires emergency medical transportation to an appropriate medical facility or in the event of your death, provides coverage to transport your mortal remains.

24/7 Worldwide Travel Assistance Services 3 (Non-insurance services provided by LiveTravel)

Need help while you travel?  Assistance is there for you, 24 hours a day, 7 days a week, anywhere in the world.

Princess Vacation Protection can be purchased while booking your next cruise vacation on princess.com, by contacting your travel agent, by calling 1-800-PRINCESS, or on Manage Booking. It is available for purchase up until final payment for your trip on all Princess Cruises, Princess Cruisetours, Princess Alaska Land Tours and Princess Canadian Rockies Land Tours, and is available at two levels: Standard or Platinum. Princess Vacation Protection is not in effect until the plan cost has been paid to Princess in addition to any required cruise deposits or payments.

1  Non-insurance feature provided by Princess. WA residents only, Trip Cancellation benefits are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio (NAIC #23787).

2  Travel Insurance Benefits are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio (NAIC #23787).

3  Travel Assistance services are non-insurance services provided by LiveTravel International.

This plan provides insurance coverage that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

Princess Vacation Protection – Standard  To obtain your state-specific Certificate of Insurance providing the terms, conditions and exclusions of the certificate, visit  PVP Standard .

Princess Vacation Protection – Platinum  To obtain your state-specific Certificate of Insurance providing the terms, conditions and exclusions of the certificate, visit  PVP Platinum .

Note that Princess Vacation Protection is not available to residents of the state of New York, British Columbia, Quebec, Puerto Rico, or Mexico.

Need to file a claim?

Frequently Asked Questions

Q:  What happens if I test positive for COVID-19 and need to cancel the day before my cruise? A:  Like with any illness diagnosed and treated by a medical professional, if you test positive for COVID-19 after purchasing the plan, you will be eligible to receive a refund to your original form of payment. If you do not have an official medical diagnosis, but feel unwell, you will receive a Future Cruise Credit.

Q:  What if my spouse gets COVID-19 right before the cruise and we can no longer sail? A:  You will be eligible to file a claim for a cash refund if you, your traveling companion or a member of your immediate family is diagnosed and treated for COVID-19, which causes you to cancel your cruise.

Q:  What if my mother, who isn’t sailing with us, gets COVID-19, and we may have been exposed? A:  Princess Vacation Protection has you covered! Even if they are not traveling with you, if someone in your immediate family is diagnosed and treated for an illness, you may request a refund to the original form of payment. If they are ill but are not diagnosed or treated, you may call us and receive a Future Cruise Credit for the cruise fare.

Q:  What if I find out I was exposed to someone either on my way to my cruise or during the cruise, and I end up being isolated in my cabin for part or all of the voyage? A:  PVP provides reimbursement for the days you are confined to your cabin if the confinement is ordered by a medical professional.

Q:  Does PVP cover my medical expenses if I get COVID-19 during my cruise? A:  Yes, PVP provides reimbursement for eligible medical expenses for any illness, including COVID-19.

Q:  What if I want to cancel my PVP coverage? How does that work? A:  PVP is refundable until final payment is due. For new bookings made within final payment, the PVP plan cost is only refundable within 10 days of purchase provided the person hasn't departed on the trip nor filed a claim.

Q:  Am I protected by my Princess Vacation Protection plan if my mother, who is not traveling with me, develops pneumonia and I have to cancel my trip to care for her? A:  Yes! Princess will refund the cancellation fees (up to the full value of the cruise vacation) if you have to cancel your trip because of a specified reason such as illness, injury or death of yourself, a traveling companion or either of your immediate family members.

Q:  If I have a heart condition and am on continuing medication, am I protected if my heart condition flares up during my vacation? A:  Yes! Princess Vacation Protection provides reimbursement for conditions that are stable during the 60-days prior to purchase, so if you have had no changes in your health (even if you are on continuous unchanged medication), you would be protected.

Q:  What if my condition did change prior to purchasing Princess Vacation Protection? A:  Rest assured, emergency evacuation benefits are still provided in the event of a medical emergency. Also, if you cancel your cruise vacation and do not qualify for cash reimbursement due to an unstable medical condition prior to purchase, you will have the benefit of cancel-for-any-reason protection from Princess.

Q:  If my pet becomes ill and I have to cancel my trip as a result, will Princess Vacation Protection reimburse me? A:  Although you would not qualify for cash reimbursement, as an added feature for purchasing Princess Vacation Protection, Princess will provide a credit toward a future cruise equal to 75% of the cancellation fees imposed (100% if Platinum Vacation Protection is purchased) if you choose to cancel for an ineligible reason. This benefit is provided by Princess Cruises and/or Princess Tours.

What is Travel Insurance?

Travel insurance is your last line of defense if something goes wrong on a trip—it pays for unexpected expenses like lost bags, cancelled flights, and medical emergencies. But not all policies are created equal.

So you’re planning a trip and someone asked you if you have travel insurance. Wait, what? Yes, at this point, it’s perfectly reasonable to ask yourself (and the internet): what is travel insurance?

For years, I didn’t know anything about travel insurance, and I went without it. Knowing what I do now, I’ve come to believe that if you can’t afford a travel insurance policy, you can’t afford to travel.

Essentially, travel insurance covers expenses from unforeseen events like a canceled trip, lost bag, or medical treatment.

It’s important to understand how it works so you can pick the right plan. Ready? Let’s dive right into the details of travel insurance.

How Does Travel Insurance Work?

If you’re just here for a quick and dirty answer, let’s get right down to it.

When you travel, you take on risk, whether you know it or not. You put down a lot of money on flights, hotels, rental cars, and more. But what if your trip gets canceled? Oops, looks like you’re out a lot of cash.

Plus, did you know that regular health insurance plans usually don’t provide any coverage outside your home country?

Travel insurance protects you from unexpected events like these. You pay a relatively small up-front fee to a company in exchange for a guarantee that they will pay for expenses that are covered by a specific policy.

Travel insurance policies typically include two different categories of protection: trip coverage and emergency medical coverage.

• Trip insurance includes protection for the expenses of your trip. If your trip is canceled or interrupted (for a covered reason), the company will reimburse you for the cost. Trip coverage can also include reimbursements for lost baggage, delayed flights, rental car damage, and more.
• Emergency medical insurance is exactly what it sounds like. If you are injured or become ill overseas, your regular health insurance may not pay for your care. Travel medical coverage includes overseas care or emergency medical evacuation if needed.

There you have it. That’s the basics of how travel insurance works, and no, it isn’t that complicated. If you want to get into more details, let’s keep going.

Different Types of Travel Insurance

Did you know that there’s more than one type of travel insurance?

Yep, it can be broken up into several categories, from single trip insurance to long-term healthcare designed for digital nomads. The type of insurance you need will depend entirely on your trip, your destination, how often you travel, and your personal preferences.

Single-trip comprehensive coverage is most often the best choice, but not always. Here are the most important types of travel insurance so you can pick the right coverage type for you.

• Comprehensive Travel Insurance covers every aspect of your travel, from luggage to trip cancellations to emergency medical bills. For most people most of the time, this is what I recommend. I’ll dive deeper into every aspect of comprehensive travel insurance soon.
• Travel Medical Insurance only covers medical expenses, so you don’t get any of the trip expense coverage. Travel medical plans range from emergency coverage to full-fledged health care for living abroad.
• Single Trip Travel Insurance Insurance is exactly what it sounds like: insurance for a single trip. You enter your destination and travel dates to get covered during your trip.
• Annual Travel Insurance is, again, pretty straightforward. Rather than covering a single trip, annual plans include all your travels for an entire year. Note that there are often limits on how many days abroad in the year are covered.
• Nomad Travel Insurance (like the Nomad Insurance Plan from SafetyWing) is designed for people living long-term outside their home country. It typically renews monthly.

What Does Travel Insurance Cover?

Any travel insurance policy has a lot of pieces to it, and sometimes the legalese terminology can be difficult to understand. The most important thing to understand is what is covered, and what isn’t. After all, you want to know what you’re paying for, right?

There are many varieties of travel insurance; essentially, they all just mix and match different coverages. Here are the most common things that a plan covers, and how that coverage works.

Trip Cancellation Coverage

If you have a lot of prepaid nonrefundable trip costs, the idea of having to cancel your trip can be scary. You’ve put hundreds or thousands of dollars into your upcoming trip, and you would lose all that money if your travel plans change.

Life happens though, and there’s always a chance that you get sick, a natural disaster happens, your house floods, you get called in for jury duty, or something else bad happens that causes you to cancel your trip.

That’s where trip cancellation coverage comes in. If you have a travel insurance plan, you can file a claim, and the company will refund the total trip cost.

Yep, that’s pretty cool.

It’s important to know that you can’t just cancel for any reason you want and expect to have your trip’s price refunded. Most insurance policies only pay out reimbursements for a “covered reason.” Covered reasons include things like serious illness to yourself or a family member, losing your job, a natural disaster or terrorist attack in your destination, or other unpredictable events.

Reasons that aren’t covered typically include things that could be predicted ahead of time, like ongoing civil and political unrest, severe weather due to a predicted tropical storm, or “because I want to.”

Also, cruises are not always covered under typical trip cancellation insurance, so make sure your plan covers cruise lines if that’s what you need.

Cancel For Any Reason

If you want the greatest peace of mind, you’ll want to look for Cancel For Any Reason (CFAR) coverage. CFAR is exactly what it sounds like, you can cancel your trip for any reason, and the insurance company will pay you for any non-refundable expenses from hotel stays, flights, and more.

Just know that CFAR insurance costs more.

Trip Interruption Coverage

Trip interruption is similar to trip cancellation insurance, but it covers travel expenses in case you have to cut your trip short after you’ve already departed (while trip cancelation is for before you leave).

Trip interruption coverage typically has similar rules and limits, so you can just think of it as an extension of trip cancellation.

Good trip interruption coverage also includes coverage for travel costs to return home. That’s a great benefit so you don’t have to pay your own way home if anything goes wrong.

Trip Delay Coverage

Beyond trip cancellation and interruption, comprehensive travel insurance policies also typically have coverage for trip delays. That means they’ll help pay for inconveniences and extra expenses caused by flight delays, cancellations, missed connections, and other delays.

Usually, this is a per-day amount while your trip is delayed to pay for unexpected hotel stays or transport costs to rejoin your trip itinerary.

Medical Emergency Coverage

No one wants to think about having a medical emergency overseas, but it’s always a good idea to be prepared.

In my opinion, emergency medical protection is the most important travel insurance coverage. If you have to pay for a canceled trip, that’s a bummer, but you’ll get over it. If you become seriously ill or get injured on your trip, having insurance to pay for emergency hospital costs can be life-saving. At the very least, it can save you tens of thousands of dollars in medical expenses.

Travel medical coverage will cover costs up to a specific dollar amount stated in the policy. I recommend getting at least $50,000 of coverage, though $100,000 or more is better.

And yes, pretty much every travel insurance policy covers COVID-19 just like any other illness.

Most plans also include accidental death or dismemberment protection. Essentially, this is a sort of life insurance policy that pays out a certain amount if you die or have a disabling injury on your trip. I don’t want to think too much about “accidental death or dismemberment” either, but it’s good to know it’s there.

Pre-Existing Conditions

Many travel insurance plans have strict limits regarding previously existing medical conditions. If you have a condition like diabetes, heart disease, or some other chronic illness, it may not cover related healthcare costs.

If you have a chronic condition, I recommend looking for a plan with a pre-existing condition waiver (like the Travelex Select Plan) to make sure you have full coverage.

Secondary vs Primary Coverage

If you’re looking to purchase travel insurance, you may have come across the terms secondary and primary coverage. Those terms sound confusing, but the difference is pretty simple.

• Primary coverage pays for medical bills before anything else.
• Secondary coverage only kicks in after your normal health insurance pays whatever they will cover.

Emergency Evacuation

For severe injuries or illnesses, travel insurance plans typically cover emergency medical evacuation. That can include transport costs to the nearest medical facility or evacuation to your home country for care.

Again, I’d look for the highest coverage limits possible here. Air ambulances can cost into the hundreds of thousands of dollars, and you don’t want to be stuck with that bill.

Baggage Loss or Delay

I have recurring nightmares of losing my checked bag on a long international flight. It hasn’t happened to me yet, but I usually fly carry-on only anyway. Few things sound worse than getting stuck in a foreign country without my personal belongings.

Baggage loss coverage reimburses the cost of lost luggage—up to a specific dollar amount. You will just need to file a claim accounting for the value of the lost personal items.

Many policies will also include coverage for a baggage delay or damage to personal property.

Other Travel Insurance Benefits and Options

Beyond medical protection, trip cancellation insurance, and lost baggage coverage, most travel insurance coverage includes a range of other benefits that either come standard with your plan or that you can add on for an extra cost. Here are some of the most common benefits you may want to look for:

• Rental car insurance in case you scratch up that BMW you rented
• Adventure sports coverage so your medical expenses are still paid for even if you’re participating in “risky” activities like skydiving, skiing, or rock climbing.
• Vacation rental protection , because accidents happen
• Electronic equipment coverage for all you gear-laden photographers
• Cruise and tour operator cancellation coverage , because you don’t want to be stuck with that bill if your trip is canceled.

How Much Is Travel Insurance?

In general, plans from good travel insurance providers will cost about 5-6% of your total trip cost. It can seem annoying to pay for something you might not need to use, but it’s way better than losing tens of thousands of dollars if anything goes wrong. Standard plans range from well under $100 to a few hundred dollars depending on your trip.

Of course, the price will depend on the specific insurance provider and plan you choose. I recommend shopping around to find the best travel insurance for your money.

If you really can’t stomach paying for a full insurance policy (and aren’t worried about losing non-refundable expenses), at the very least you should buy a travel medical plan. Heymondo has a great medical plan that’s so cheap, it would be stupid not to get it. This insurance can help give you peace of mind on your travels.

One thing to note: some credit cards come with some form of travel insurance. It’s worth checking with your credit card company to see if any coverage comes with your credit card.

Is Travel Insurance Worth It?

I’ll make this answer short: yes, travel insurance is worth it.

For the peace of mind and financial protection you get, the cost of travel insurance is a low price to pay, especially when you consider what you could lose if something bad happens. I don’t like the idea of losing thousands in non-refundable costs or tens of thousands in medical bills.

Still not convinced? We’ve got a full article explaining why travel insurance is worth it . It’s worth a read if you’re still on the fence.

How Do You Buy Travel Insurance?

Fortunately purchasing travel insurance is easy—no need to deal with pushy travel agents. You just go to a travel provider’s website, enter your destination, travel dates, and age, and they will instantly give you a quote for different plans for your trip. It’s also worth checking with your credit card provider because some credit cards include trip insurance!

I highly recommend shopping around a bit to find the best travel insurance plan and price for you. SquareMouth is a fantastic website that gives you quotes from dozens of different providers so you can compare different plans all in one place. They don’t search every single company out there though, so it’s worth checking a few other places.

Our list of the best travel insurance companies is a great place to start. We’ve listed out what each company is best at to help you find the option that fits you best.

Travel Insurance FAQs

What is travel insurance and how does it work.

Travel insurance protects you from unexpected events while traveling like illness or a canceled flight.

What does travel insurance cover?

Travel insurance covers canceled trips, emergency medical costs, lost baggage, and more.

Why would I get travel insurance?

Travel insurance isn’t expensive and protects you from heavy costs if anything goes wrong.

What is not covered in travel insurance?

Travel insurance typically doesn’t cover cancellation due to foreseeable events.

Does travel insurance actually pay out?

Good travel insurance companies like Heymondo and Allianz have a reputation for paying out claims.

Jeremy Scott Foster

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ARTICLES / SEPTEMBER 25, 2024

Lockton Philippines Debuts “Safe To Go” – An Insurance Platform for Filipino Travelers to South Korea

As travel enthusiasm soars, Lockton Philippines is thrilled to announce the launch of "Safe To Go," our pioneering travel insurance platform. This platform is designed to revolutionize the way Filipinos perceive and approach travel protection. With the rising trend of Filipino travelers planning to invest more on adventures in 2024, and with Korea consistently being a top destination, it becomes necessary to prioritize safety and peace of mind while indulging in travel experiences.

Our recent survey reveals that 82% of Filipino travelers opt for insurance, with a focus on medical coverage, trip cancellation, and lost luggage. This high level of awareness underscores the importance of travel insurance for Filipinos.

Lockton Philippines' dedication to delivering the best for its clients has resulted in the development of “Safe To Go”. This platform simplifies the travel insurance selection process for trips to Korea, adopting a client-centric approach. It addresses common misconceptions about travel insurance being expensive, complex, and inconvenient, providing a user-friendly experience instead. The platform offers a seamless method to assess and choose the best travel insurance options based on the user's trip details, such as age and duration of stay.

"Safe To Go" empowers users by presenting a carefully curated list of insurance options, highlighting their benefits, and sorting them by price. This approach allows travelers to make informed decisions without feeling overwhelmed. The platform enables users to purchase insurance anytime, anywhere, pay online, and eliminates the need for lengthy discussions with agents.

Once the purchase is complete, users receive their policy in real-time via email from the insurance provider of their chosen package. This email includes all necessary contact information for emergencies or claims, ensuring that travelers are well-equipped for any situation.

In the coming months, we will be onboarding additional insurance providers to offer a wider range of options to cater to all types of travelers. Our goal is to ensure that every traveler, regardless of their unique needs or preferences, can find the most suitable and comprehensive coverage.

Furthermore, with the increasing interest in travel beyond Korea, the next phase will see an expansion of our travel insurance coverage to Asian countries. This expansion aligns with our commitment to providing enhanced protection for travelers, who remain our top priority. Lockton may also provide travel insurance for employment purposes. For further details, please reach out to Marge Bunyi at [email protected] (opens a new window) .

Lockton Philippines continues its pursuit to deliver best-in-class service by focusing on client needs and enhancing travel safety. With “Safe To Go,” we make securing travel insurance straightforward, affordable, and hassle-free, so you can focus on enjoying your journey to Korea.

Embark on your adventure to Korea worry-free and make sure you are #AlwaysSafeToGo. Visit SafeToGo.ph and get your travel insurance for Korea today!

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