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IHG Travel Agent Rates: How Travel Advisors Save 50% with IHG!

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If you are a certified travel agent looking to save on your next stay with IHG, make sure you take advantage of their discounted IHG travel agent rates. IHG’s familiarization program for travel agents offers discounts of up to 50% when you book through the IHG Travel Consultant Connection Portal.

In this article, we’ll take a closer look at IHG Travel Agent Rates and how Travel Advisors can take advantage of them. We’ll dig into the IHG travel agent rate program, called “Travel Consultant Connection” and see how much travel advisors can actually save by using these special rates at IHG properties.

So whether you’re an agent planning a business trip to familiarize yourself with a property or just looking to take a leisurely vacation, read on to discover how you can save big on your next hotel booking through IHG.

Like most other major hotel chains, IHG offers discounted rates for travel agents to familiarize themselves with IHG hotels and resorts at a reduced rate. These rates are called “familiarization rates” and are only available to travel agents so they can be more informed when promoting an IHG property to their clients.

The following IHG benefits and terms apply to a Travel Agent’s personal travel only, they are not for client bookings:

• 2 rooms allowed per stay, unlimited stays. (If booking a 2nd room the agent must be with the guest at time of check in).
• Rooms must be booked at least 24 hours in advance of check-in.
• Your Travel Industry ID (IATAN/IATA card) is required at check-in.
• Earn IHG One Rewards points for your stay. You can also register and qualify for I HG One Rewards promotions .
• The rate is not valid for commission.
• The rate is only available to book via the IHG Travel Agent Portal , or by calling the Central Reservation Office at 1- 800-810-4499. 

The program has a higher discount than some of the other travel agents programs like Marriott Fam-tastic , Hyatt , and Hilton . On top of that, travel agents can earn IHG One Rewards points when booking stays which is a big plus that the other hotel chains don’t provide.

How to Book IHG Travel Agents Rate

IHG Travel Agent rates can be booked with through the normal IHG Booking Page or through the IHG ICC Travel Agent Portal . If you are booking through the main booking page, make sure the “Travel Consultant Discount Rate” is selected in the Rate Preference field and enter your IATA# in the IATA field.

Below is an example of the savings a travel consultant would receive a the Kimpton Hotel Monaco in Chicago. With a room rate of $240 per night, the discount for this property is approximately 28% off the prepaid rate and 32% off the member discount rate.

The terms of this rate are as follows:

• Rate is available for travel agents who can present a valid IATA ID or travel agent ID card at check-in. Rate requires to be booked one day in advance and is limited to 2 rooms per travel agent. If booking a 2nd room the agent must be with the guest at the time of check-in.

No. If you book a room with an IHG Travel Agent Rate, you’ll be required to present your Travel Industry ID/IATAN Card, Agency Business Card, or a letter on agency letterhead from agency management verifying your agency employment is required at check-in.

This is not something you can “hack”, you need to be a registered travel agent to get these rates.

While IHG is very strict on travel agent rates, they are more lenient on other discounted rates such as:

• IHG Friends & Family Rates
• IHG Corporate Rates
• IHG Employee Rates

You can receive discounted rates for IHG travel agents when you book a personal stay at the following IHG brands:

• InterContinental
• Regent Hotels
• Six Senses Hotels
• Vignette Collection
• Kimpton Hotels and Resorts
• Hotel Indigo
• Crowne Plaza
• voco Hotels
• EVEN Hotels
• Holiday Inn
• Holiday Inn Express
• Candlewood Suites
• Holiday Inn Club Vacations
• Staybridge Suites
• Atwell Suites

IHG Travel Agent Portal

Booking both personal and client travel is just one thing you can do in the IHG Travel Agent Portal , (also known as the IHG Travel Consultant Connection Portal). Within this portal, you’ll also find news and information on new hotels, information about IHG brands, agent commissions, promotions, and much more.

Once you have registered as a travel agent with IHG, you can log in to the IHG Travel Agent Login Page to access all of your information.

The IHG Travel Agent University is an interactive tool covering our brands, commissions, and loyalty program so you can make the best choices when booking travel for your clients

IHG Agent University is designed to:

• Acquaint you with our distinctive brands
• Provide you with valuable information on our programs that recognize you, including IHG Rewards Club and our travel agent discount rates for your personal travel
• Reward you directly with select offerings like graduation rewards!

More Travel Advisor Content

Here are some more articles on how much Travel Agents can save at other major hotel brands.

Tim is a business road warrior and avid leisure traveler who has flown over two million miles in the air and spent well over a thousand nights in hotels. He enjoys sharing tips, tricks, and hacks to help readers get the most out of their travel experience and learn how to “travel like a pro”!

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200+ Travel Agent Rates in 2024 [+PDF Download]

One of the biggest perks of becoming a travel agent is the wealth of travel experiences you have access to. As a travel agent, if you take vendor training, or reach a supplier's sales threshold you unlock travel agent rates for personal travel, special perks, amenities, and access to FAM (familiarization trips) .

The career outlook for a travel is great , plus it's an amazing way to see the world! (And if you still think travel agents don't exist, definitely read the previous link as you may be surprised that travel agencies book a larger share of travel than online travel agencies in the US!)

But the big question is, what are these discounted travel agent rates, and how do travel agents access them? We've got it all together for you in one handy dandy little download.

HAR's Travel Agent Rate PDF download includes details on 200+ supplier discounts! The download includes information on travel agent rates, special discounts, and special reward programs — all exclusive to travel agents (and maybe your friend or family :) ).

Not only that, but the download lists eligibility details and links to the travel advisor portal so you can register your travel agency. You can view the full PDF below!

But of course, this article is so much more than a travel agent rates download!

We'll cover:

• what different kinds of travel agent discounts are out there,
• how to qualify a supplier's travel agent loyalty or reward program,
• and elaborate on some of the top travel agent hotel discounts

⭐️ HAR ARTICLE HIGHLIGHTS: ⭐️

Do travel agents get discounts.

• Different Types of Travel Agent Discounts
• 8 Things to Know about Travel Agent Discounts
• 200+ Travel Agent Rates (It’s Bonkers!)
• Questions to Ask About Travel Agent Rates & Discounts

Travel Agent Hotel Rates

• IHG (International Hotel Group) Travel Agent Rates
• Hilton Hotels Travel Agent Rates
• Hyatt Hotels Travel Agent Rates
• Marriott Hotels (formerly Starwood)
• Travel Agent Airline Rates
• How to Become a Travel Agent (if You’re Not One Already)

First question on the docket: Do travel agents get discounts? They sure do, my friend!

Although, as we'll discuss further, there is a lot more nuance to things than just a yes or no when it comes to if travel agents get discounts. Keep on reading because we'll go over which travel agents get discounts (every supplier is going to have different parameters) and what types of travel advisors can get discounts for.

Different Types of Travel Agent Rates & Incentives

Every supplier is going to have a different kind of travel agent rate or loyalty program. Some are complicated. Some are simple.

Here’s what you can generally expect in terms of travel agent discount programs:

• Point Systems: Depending on the vendor, point systems offer you just that — a certain number of points per night booked. Points allotted will likely vary by tier of property. If you book a luxury property, you’ll get more points. Travel agent point systems, while somewhat complicated, are great for flexibility. It levels the playing field and operates like an amped-up client-facing rewards program.
• Cash Incentives: Some vendors will offer travel agents hard cash for bookings (e.g. you get $25 for every room night booked). This isn't a rate or discount, but it's definitely an incentive!
• Straight-up Flat Discounts: Some travel agent discounts are simple—you get a certain percentage off your stay. Easy peasy.
• Special Reduced Rates: Because you’re a travel agent (or because you love to travel), you know that suppliers have peak seasons, different classes of properties, rooms, etc. Many suppliers will issue reduced rates exclusive to travel agents, outlining what the cost is for a different room category, itinerary, sailing date, etc.
• Traveling for Free: Free travel is not the norm. There are circumstances travel agents may get a free cruise, a free theme park ticket, or free nights at a resort (etc.). This typically happens after a travel agent completes a vendor’s training program or if you're a top sales person of that supplier/brand.
• Group Travel Rates : I’m not going to go deep into group rates, since this is something that (believe it or not) is typically offered in addition to travel agent rates. If you book a certain number of people on a trip or cruise (or a certain number of nights stay) you get a free credit you can use for yourself or for a client. (e.g. for Globus brands, you can receive travel agent discounts ranging from 25% - 100% depending on itinerary, group size, and when you book.)
• Familiarization (FAM) Trips: In my mind, FAM trips are more of a travel agent perk than a travel agent discount or rate. FAMs are free or deeply discounted trips offered to travel agents (or travel professionals) to educate them about a product or destination. Here's a great explainer of FAM trips .

Suppliers want to keep travel agents happy! Many will have some combination of these perks above.

8 Things You Need to Know About Travel Agent Rates & Discounts

Here are a few things to know about what to expect when you're shopping for travel agent discounts:

1. You Need an Accreditation Number to Get travel agent Discounts

You need to be a travel agent to access travel agent rates and discounts. What makes someone a travel agent? An accreditation number . . . whether you get your own or align with a host agency .

2. Travel Agent Discounts are for Active Travel Agents

Beyond having an accreditation number, you need to sell travel. I know this may seem incredibly obvious, but oftentimes vendors will only offer travel agent rates or perks after you reach a certain sales threshold.

3. A Niche Will Help You Get More Travel Agent Bonuses & Rates (Here’s Why)

Part of developing a travel agent niche is getting a pulse on who your preferred suppliers are. When you begin to get a handle on what suppliers you love, you can focus your time and energies on learning those suppliers inside out.

This will help you establish the deep product knowledge and supplier relationships required to be a successful seller. In turn, you'll have access to more travel agent discounts and rewards as your sales increase.

4. You Often Need to Complete a Vendor Certification to Get a Discount

If you’re completely new, you’re not going to have a long scroll of past sales to help you access travel agent rates. But don’t worry. Many suppliers offer special rates, FAMs, or even free trips once you complete their training programs.

You'll want to make sure you stay current on supplier certifications so you can keep up with their updates and offer your clients the most recent info. Suppliers want you to love their brands and they know you gotta experience it yourself to love it!

5. Rules Most Likely Apply

Travel agent discounts are often saddled with long terms and conditions and/or fine print. This fine print may be peppered with info like blackout dates or that rates are subject to change (without asking for your permission). Unsurprisingly, travel agent rates are non-commissionable.

6. Travel Agent Rates and Programs can Change

Yep. They can and do. So when you read about specific travel agent discounts below, be sure you always check directly with your supplier/ BDM (Business Development Manager) for the most updated travel agent discount policy!

7. Q: If You Book Under a Host agency, Will You Get Your Discount?

Yes. When you set up your logins on host portals, suppliers will know which agent booked what and you’ll get your due glory.

When you set up your logins on host portals, suppliers will know which agent booked what and you’ll get your due glory.

An exception is Disney. For Earmarked Disney agencies (Disney's top selling agency program), it's the accrediting agency that will receive the allotted theme park tickets and travel agent rates to distribute among their agents. So ask your agency how that works if you want to get in it. That said, there are still incentives for solo Disney advisors who complete the College of Disney Knowledge! (Just check out the download !)

8. If you get bonuses, you may need to pay taxes on it

Any point system that can be exchanged for cash may be subject to taxes if you earn more than $600 in bonuses. Don’t ask me. Ask your accountant and make sure you know the tax implications of points you cash in.

Travel Agent Rates & Discounts that Will Make Your Brain Explode 🤯

Let's be honest with ourselves, this is probably why you're here for! To find more information on the travel agent rates, click on the link in the cell.

Also, things change. While we update this annually, check directly with the supplier for the most current travel agent rates and discounts.

Questions to Ask About Travel Agent Rates

You'll likely have questions about a supplier's travel agent rates. One thing to stress is that only asking about a supplier's discounts for travel agents is... well, it's tacky. Bottom line: Your first communication with a vendor should not be about their travel agent rates.

Your first communication with a vendor should not be about their travel agent rates.

These rates are for travel pros who are serious about their trade and want to increase sales. Make the effort to educate yourself on the product, let your BDM (business development manager) know your plan to help increase your sales for their product, and THEN you can ask about the travel agent rates.

If you’re really wanting to compare different rates and programs, here are a few questions you to think about, some of which are in the download above!

• What travel accreditations are accepted? (TRUE may not be accepted everywhere)
• Are there companion benefits?
• Do you need to complete supplier education to secure the rate? If so, how often do I need to renew or recertify (if at all)?
• Are there other eligibility requirements?
• What's the sales threshold to attain travel agent rates or benefits?
• Does belonging to a host agency impact my benefits?
• What are typical blackout dates or seasons?
• How long do I have to redeem my travel agent benefits (if it’s a point system)? When do they expire?
• How do I request or access these benefits?

I'm going to do a deeper dive into a few travel agent hotel rates. There are a zillion different properties so I'm including just a few here. They offer a good idea of what kind of rates travel agents can expect from hotels.

You may be able to find better travel agents rates if you book the hotel through a tour operator.

Keep in mind that these hotel programs listed below are hotel-direct. Advisors seeking discounted hotel rates will need to book them directly through the hotel (rather than booking via a tour operator).

Another thing to note is that hotels with education programs typically will offer the best travel rates (above a standard travel agent rate).

(International Hotel Group) IHG Travel Agent Rates

IHG is linked and included in our download above . Yay! IHG offers a baseline discount of 35% off their Best Flex Rate to travel agents. Not to0 shabs!

Here are a few more details.

IHG offers a baseline discount of 35% off their Best Flex Rate.

But IHG often has offers beyond their base discounts, induing higher discounts on room rates, discounts on spa services, and other fun stuff. At the time of writing this, IHG had special offers that ranged from 35% - 50%.

If you're a travel agent, accessing IHG's travel agent rates is easy. Here's how:

• You need an ARC, IATA, TIDs, or TRUE number to set up an account with IHG. If you're a travel agent employee and you don't have a travel ID card, you can provide a letter on agency letterhead from agency management verifying your agency employment.
• To book IHG's travel agent rates, you need to login to your IHG travel agent account . If you don't have one, you can register here .

IHG Brands with travel agent rates:

IHG is the parent company for whole lotta hotel brands. Their IHG travel agent rates extend to:

• Crowne Plaza
• Candlewood Suites
• Holiday Inn
• Holiday Inn Club Vacations
• IHG army hotels
• Hotel Indigo
• Atwell Suites
• InterContinental
• Holiday Inn Express
• Holiday Inn Resorts
• Staybridge Suites

Marriott Travel Agent Rates

Marriott acquired Starwood in 2015. So if you're looking for Starwood's travel agent rates, look no further than Marriott. Marriott has two different types of travel agent rates. Here's the rundown:

1. Marriott Travel Agent Rates

Marriott's travel agent rate is their blanket travel agent rate program which isavailable to any accredited travel agent with a valid IATA, ARC, CLIA or TIDS accreditation number . It's worth noting that Marriott does not accept TRUE number s.

The travel agent rate varies depending on availability, hotel category, and season. Marriott's travel agent discounts run up to 50% , but you can typically expect less. (At the time of writing this, the discounts ranged from 10-15% when I searched my hometown.)

Marriott's travel agent rate offers can be used to book up to two rooms for unlimited nights (depending on availability)

Marriott's travel agent rate offers can be used to book up to two rooms for unlimited nights (depending on availability).

Here's how to take advantage of Marriott's travel agent rate offers:

1. To access Marriot's rates, travel agents need an IATA ARC, CLIA, or TIDS number (and the ID to prove it when you check-in).

2. Search Marriott's travel agent rates here (Main menu>Promotions>Travel Agent Rate Search).

3. Log in/register to make a booking!

2. Marriott's Fam-Tastic Travel Agent Rates

Marriott's Fam-Tastic program is designed less for personal leisure and more to provide an opportunity for agents to familiarize themselves with properties (hence the name).

For Marriott's Fam-tastic program, advisors can reserve one room for four nights maximum.

This program is only available to Marriott's preferred travel agencies . You can visit host profiles and drop them a note in the Q&A section to ask if they are a preferred Marriott agency.

Marriott's FAM-tastic rate offers deeper discounts than their standard travel agent rate but with more requirements. In addition to fulfilling the requirements for a standard travel agent rate, other requirements include:

• Marriott Bonvoy membership
• Complete Core Hotel Excellence! (HE!) classes
• Fulfill HE! continuing credits every year
• Have an updated Marriott International (MI) Partner Privileges profile

Here's how to access Marriott's FAM-tastic rates:

1. Log into your Marriott Partner Privileges account .

2. To redeem your Marriott Fam-Tastic rates: Main Menu> Hotel Excellence> Access Fam-Tastic

MARRIOTT Brands with travel agent rates:

Here are a list of Marriott's brands that have a travel agent rates program (sorry, but you're not going to find the Ritz Yacht Collection here) .

• AC Hotels by Marriott
• Aloft Hotels
• Autograph Collection
• Bvlgari Hotels & Resorts
• Courtyard by Marriott
• Delta Hotels
• Design Hotels
• EDITION Hotels
• Element by Westin
• Fairfield by Marriott
• Four Points by Sheraton
• Gaylord Hotels
• Homes & Villas by Marriott International
• JW Marriott Hotels
• Le Méridien
• The Luxury Collection
• Marriott Executive Apartments
• Marriott Hotels & Resorts
• Marriott Vacation Club
• Moxy Hotels
• Protea Hotels by Marriott
• Renaissance Hotels
• Residence Inn by Marriott
• The Ritz-Carlton
• Ritz-Carlton Reserve
• Sheraton Hotels and Resorts
• SpringHill Suites
• St. Regis Hotels & Resorts
• TownePlace Suites
• Tribute Portfolio
• Westin Hotels

Hilton Travel Agent Rates

Hilton travel agent rates include 50% off newly opened properties and up to 25% off other properties in Hilton's portfolio.

Keep in mind that Hilton travel agent discounts are off full price, not Hilton Honors discounts, pay in full, or other discount prices like AAA or AARP.

Agents can book two rooms for a seven-night maximum at Hilton travel agent rates.

Agents can book two rooms for a seven-night maximum at Hilton travel agent rates. Below is an example of what it looks like on the user end. You can search the hotels with Hilton travel agent rates here .

Here's how you can book Hilton's travel agent rates:

• Travel agents need an IATAN accreditation (and an ID card upon check-in) to access Hilton's travel agent rate. Agents outside the US need a valid ID.
• Go to Hilton's travel agent site and click "Special Rates" then select the "Travel Agents" option.

Beyond Hilton's travel agent rates, they also offer the Unlimited Rewards program to their travel advisor partners, which awards you .50¢ to $2.00 per night stay you book for your clients. (This also applies to Avis and Budget car rentals as well.)

Just remember that if you start racking up the dough through Unlimited Rewards, you may need to report the income to your springtime friend, the IRS.

Hilton Hotels brands with travel agent rates:

• Hilton Hotels & Resorts
• Waldorf Astoria Hotels & Resorts
• LXR Hotels & Resorts
• Conrad Hotels & Resorts
• Canopy by Hilton
• Signia Hilton
• Curio a Collection
• Tapestry Collection
• Embassy Suites
• Motto by Hilton
• Hilton Garden Inn
• Hampton by Hilton
• Tru by Hilton
• Homewood Suites
• Home2 Suites
• Hilton Grand Vacations

Hyatt Travel Agent Rates

While Hyatt's site advertises travel agent discounts up to 50% , you'll most likely find that large of savings at the more expensive properties in their collection. Similar to their friends at Marriott, Hyatt does not offer travel agent rates to agencies with TRUE accreditation .

There's a 2-room booking limit for Hyatt travel agent rates, with no room night cap.

There's a 2-room booking limit with Hyatt travel agent rates. However, they do not cap the number of room nights if the rate is available.

Here's how to book Hyatt's travel agent rates:

• Agents must have a CLIA, IATAN, or TIDs (for agents outside the US) accreditation number and ID card. (Outside US, agents need an IATA/TIDS).
• Agents must be a World of Hyatt member. ( Create account )
• Search/ book Hyatt travel agent discount rates . (You can also use corporate ID code 4469)

HYATT Brands with travel agent rates:

Here's a list of Hyatt brands that offer travel agent rates:

• Caption by Hyatt
• Thompson Hotels
• Hyatt Centric
• Grand Hyatt
• Hyatt Regency
• Hyatt Zilara/Hyatt Ziva
• Hyatt Place
• Hyatt House
• The Unbound Collection by Hyatt
• Destination Hotels
• Joie de Vivre

Travel Agent Airline Discounts

I'm going to take a deep dive into travel agent airline discounts. Why? Travel agent airline discounts are more complicated to access for a smaller reward .

Here's why . . .

These travel agent airline rates are typically referred to as "AD50" or "AD75," signifying 50%-75% airline discounts for travel agents. At first, this seems like an amazing discount.

But as you’ve probably guessed, travel agents do not get 50-75% off their airline tickets. Otherwise, so many people would want to become a travel agent that our website would break :)

Without going too deep into the weeds, here's why these airline discounts can seem misleading at first.

Airlines break seats down into many different fare classes . All these fare classes have different pricing and rules attached to them. Among other things, the fare classes help the airline understand if you paid full fare or a discounted rate, if you’re in first class/business class/economy class, if you’re doing one way or round trip, and lots of other details.

Even at 50-75% off, Y fare class seats usually cost more than the other economy tickets available.

When it comes to travel agent airline discounts, the AD50 and AD75 discounts apply only to Y-fare class seats, which are full-fare economy seats. Essentially, they’re the most expensive economy-class tickets possible. Even at 50-75% off, Y fare class seats usually cost more than the other economy tickets available.

Not only are AD50 and AD75 discounts often more expensive than other economy tickets available, but there are also more hoops to jump through to access them. Airlines that offer these flight discounts will often have stringent eligibility requirements and detailed terms and conditions required to even request them.

According to seasoned corporate travel advisor and owner of Pioneer Travel, Mike Edic, "By the time you figure out the 'discounted' price, you can still purchase a real ticket for a lot less." Edic elaborated that these rates are seldom cheaper unless it's a last-minute booking (where all that remains are those pricey, full-fare Y-class seats).

Want to Become a Travel Agent? Try HAR's 7-Day Setup Accelerator Course

The one thing that all travel agent rates, promotions, loyalty programs, and discounts have in common is that you have to be a travel agent.

HAR's 7 Day Setup Accelerator course walks you through step-by-step how to start your agency. The best part is, it comes with the support of a team that's help thousands of people become travel agents, and the accountability to make sure you keep going!

Holy Moly! Thank You!

I almost found myself on the dark web looking for travel agent rates. Google only gets you so far . . . that is until it got you to this article.

But here’s a list of fab industry professionals who picked up the slack for Google (brace yourself, it’s a long list!): Bonnie Lee at Travel Quest , Summer Corbitt at Uniglobe , Guy Young and Priscilla Odoom at Insight Vacations, Josh Mahon at Rocky Mountaineer, Maria Triantos at Celestyal Cruises, Jim Tedesco at Apple Leisure Group Vacations, Mike Edic of Go Pioneer Travel, and all the stellar travel advisors who weighed in on Steph Lee’s FB page.

This is a living, changing, breathing document . . . Do you have a favorite travel agent rate or reward program? Holler in the comments!

About the Author

Mary Stein has been working as a writer and editor for Host Agency Reviews since 2016. She loves supporting travel advisors on their entrepreneurial journey and is inspired by their passion, tenacity, and creativity. Mary is also a mom, dog lover, fiction writer, hiker, and a Great British Bake Off superfan.

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Agent rates / intercontinental hotels group travel agent rates.

Amazing rates from Intercontinental Hotels

Intercontinental Hotels Group is providing travel agents amazing rates. Bookings for these rates must be conducted at least one day in advance.  

Travel Agent Rates

Travel agents are entitled to two rooms allowed per stay, unlimited stay, travel industry rates available at IHG hotels globally, minimum of 35% off the Best Flex Rate. Agents will receive IHG rewards club points for their stay, and cancellations without penalty. NOTE: The agent must have their ID/IATAN Card, Agency Business Card or a letter on agency letterhead from agency management verifying employment at check-in.   

Visit  ihgagent.com  for more details and full agent rate details.     

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

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

Updated 2:16 p.m. UTC June 7, 2024

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WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

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

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

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

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

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

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

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

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

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

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

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

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

See our full AIG travel insurance review .

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

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

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

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

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

Best travel insurance for COVID-19

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

Best travel insurance for “cancel for any reason” 

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

Best travel insurance for seniors

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

How much is travel insurance?

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

How much you pay for travel insurance will depend on:

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

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

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

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

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

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

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

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

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

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

Where can I buy travel insurance?

You can buy a travel insurance plan:

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

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

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

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

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

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

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

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

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

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

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

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

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

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

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

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

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

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Ultimate Guide to Choosing the Best Travel Insurance in June 2024

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

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Our Picks for the Best Travel Insurance Companies

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance

Compare the Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

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

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

• Cancel for any reason coverage available

Best Travel Insurance Runner-Up

Axa assistance usa travel insurance.

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

Best Travel Insurance for Cruises

Aig travel guard.

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

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

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

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

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
• con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
• con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
• con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

• Travel medical insurance (Premium, Group, Annual, and International Student options)
• Trip cancellation insurance
• Trip protection insurance

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick International Travel Insurance is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

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

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

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

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex Travel Insurance  offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

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

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

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

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

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

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

**Enrollment required.

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Ecotourism Accommodations With Excursions At Travel Agent Rates Announced

Travorium, a new travel booking site, announces new ecotourism accommodations and environmentally responsible excursions offered at rates normally available only to travel agents.

Englewood, United States - June 21, 2024 —

The announcement comes as more travelers seek sustainable options for the 2024 vacation season. Travorium offers many environmentally-conscious lodging, excursions, and other travel-related options around the globe, at members-only rates.

Interested parties can learn more at https://legacybuildersalliance.com/secret-travel-booking-site?ts=a913c057

Demand for responsible travel is on the rise, according to recent studies by industry leaders. The market is expected to nearly double in the next five years, from $66 billion in 2023 to $116 billion by 2029, figures by ResearchAndMarkets.com show. More than 80 percent of American travelers said they found sustainable travel to be important, and 74 percent planned to act on that belief.

While many found sustainable travel important, a growing number reported frustration researching options themselves. Many customers wanted tourist sites to vet and present ecotourism options for them - but worry they’ll be upcharged for their environmental responsibility.

This concern isn’t unfounded. Major travel booking sites are known to pad their bottom lines with fees and optional costs but Travorium cuts unnecessary fees and other extras to offer rates typically only available to travel agents. Some customers save as much as 75 percent off retail.

Travorium works with accommodations in more than 2,000 locations worldwide, with many offering lodging and excursions in areas rich with natural and cultural beauty. Shorter seven-day getaway spots include destinations like Bali, Indonesia; Florence, Italy; and the island of Martinique. Longer tour trips include opportunities in Bordeaux, France; Algarve, Portugal, Phuket, Thailand, and more.

In addition to lodging, Travorium offers reduced rates on excursions, rental vehicles, and other destination-specific expenses. The company can connect customers with cruises, resort stays, and other luxury packages as well.

Travorium’s revolutionary platform allows members to build income for travel and other lifestyle costs from anywhere in the world, using their mobile devices. Its peer-to-peer marketing design lets members accrue travel points and create recurring income as their network grows to help fuel their travel lifestyle.

For more information, please visit https://legacybuildersalliance.com/secret-travel-booking-site?ts=a913c057

Contact Info: Name: Ryan Hutchison Email: Send Email Organization: Travorium Associate Address: 3531 S Logan St D334, Englewood, CO 80113, United States Website: https://legacybuildersalliance.com/secret-travel-booking-site

Source: PressCable

Release ID: 89133467

Should any errors, concerns, or inconsistencies arise from the content provided in this press release that require attention or if a press release needs to be taken down, we kindly request that you immediately contact us at [email protected] (it is important to note that this email is the authorized channel for such matters, sending multiple emails to multiple addresses does not necessarily help expedite your request). Our efficient team will be at your disposal for timely assistance within 8 hours – taking necessary measures to rectify identified issues or providing guidance on the removal process. We prioritize delivering accurate and reliable information.

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How to find Hilton travel agent rates

Morten - July 14, 2013 - 1 comment

Save up to 50% with travel agent rates

Hilton, Waldorf Astoria, Double Tree, Hampton, Garden Inn and so on. All these hotel brands within the Hilton family offers some special travel agent discounts to employees in the travel industry. It is possible to get the special rates at all destinations around the world. But it is not possible to get travel agent rates at all dates. Black out dates are mostly in the high seasons at the different destinations.

Hilton travel agent offers 

In order to book at these rates you need some proof or ID to show that you work within the travel industry. Remember to find out what proof is needed before you arrive at the hotel. Most of the time they never ask for any travel agent or business card – but prepared if they do. If you do not have a agent ID or business card, sometimes a letter signed by a company manager will also work as proof.

You can search for Hilton agent rates here:

www.hilton.com/travelagentoffers

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Survey: More than 1 in 3 American travelers plan to go into debt for their summer vacations this year

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Perhaps your summers hold fond memories of strolling along the beach, hiking mountains or trying new foods at a destination hundreds of miles from home. If so, are you planning to keep the travel streak going this year? Would you go into debt for it?

A new Bankrate survey found that only about half (53 percent) of Americans are planning a summer vacation in 2024. Of those who plan to travel this summer, more than 1 in 3 (36 percent) are willing to go into debt to pay for it.

On the other hand, another half (47 percent) of Americans plan to skip their summer vacation this year, citing affordability as the main issue (65 percent).

There are plenty of ways to have fun this summer without busting your budget. For example, there’s still time to accumulate a summer vacation fund by setting money aside from every paycheck. — Ted Rossman | Bankrate Senior Industry Analyst

Bankrate’s key insights on summer travel in 2024

• A little over half of U.S. adults are planning a summer vacation this year. That 53 percent includes 36 percent planning for domestic travel, 15 percent for an international trip and 12 percent for a staycation.
• Some people who plan to travel this summer are willing to go into debt for it. Thirty-six percent plan to take on debt to pay for their summer vacation. Debt options include carrying a balance on a credit card; buy now, pay later services; borrowing from family or friends and a personal loan.
• The top reason U.S. adults aren’t vacationing this summer is affordability. Sixty-five percent of people not planning summer vacations said that they can’t afford it.
• Unsurprisingly, higher earners are more likely to plan a summer vacation. Seventy-four percent of respondents with annual household incomes of $100,000 or more are planning a summer vacation, which is more than lower income respondents.

Some summer travelers plan to take on debt for their vacation

More than one-third (36 percent) of aspiring summer vacationers said in the survey that they plan to use debt to pay for their travels.

This is par for the course when compared to another March 2024 Bankrate survey that asked Americans whether they’d go into debt to pay for fun this year . In that survey, 27 percent said they’d be willing to go into debt to travel, 14 percent to dine out and 13 percent to attend a live entertainment event this year overall — not just in the summer.

Ted Rossman, Bankrate Senior Industry Analyst, cautions against racking up expensive credit card debt.

“I don’t want to tell people they can’t have any fun, but I do worry about taking on debt for discretionary purchases such as vacations, especially with credit card balances and rates at record highs,” he says.

A majority of summer travelers will pay with a credit card

Credit cards are summer travelers’ preferred payment method — 62 percent will use a credit card for at least some of their trip expenses. Forty-three percent of summer travelers plan to use a credit card that they pay in full, and 26 percent plan to use a card and carry the balance over multiple billing cycles. Some people are doing both.

Interestingly, a January 2024 Bankrate survey found that, of the 44 percent of credit cardholders carrying debt from month to month, 2 in 3 cardholders try to maximize rewards . If you can pay your balance in full, a travel credit card is a great way to earn while you spend and put rewards toward future trips.

Using travel credit cards can also help you to reap additional travel benefits like no foreign transaction fees or trip cancellation insurance. However, even with these rewards, it’s still worth considering the cost of carrying a balance to pay for travel.

“While the travel industry has rebounded from the chaos that immediately followed the pandemic, I’m sure there will still be plenty of delays and cancellations this summer,” Rossman says.

“It’s a good idea to pay with a credit card that offers generous travel insurance benefits such as trip cancellation and interruption insurance and stipends if your flight is delayed or your luggage is lost. Rental car insurance is another helpful benefit included on many cards.”

Domestic summer travel is the most popular option

Vacations are an important part of many people’s lives, whether at all-inclusive resorts or national parks. According to the survey, 53 percent of U.S. adults are planning a summer vacation this year.

36 percent of Americans plan to travel domestically, 15 percent plan to travel internationally and 12 percent plan to take a staycation (respondents could choose more than one option). Another 18 percent don’t know or are not sure of their plans yet.

Over four in 10 (43 percent) of the staycationers are also planning a domestic or international trip, so roughly 7 percent of U.S. adults will make a staycation their only summer vacation. If you’re facing cost concerns, making the most of local experiences may be easier on your wallet.

Younger Americans are more likely to get away — and use debt to pay for it

When school’s out for summer, students, young parents and other young people might be more likely to jet out of town than older generations.

Sixty percent of Gen Zers (ages 18-27) and 61 percent of millennials (ages 28-43) are planning summer vacations, versus 50 percent of Gen Xers (ages 44-59) and 44 percent of boomers (ages 60-78).

Young people are also more willing to take on debt to pay for their 2024 summer vacation:

• Gen Z: 42 percent
• Millennials: 47 percent
• Gen X: 31 percent
• Boomers: 22 percent

Higher earners and city dwellers are most likely to jet set this summer

When you scroll on social media this summer, you might notice two types of friends filling your feed with travel photos — those who earn more money and those who live in cities.

Nearly 3 in 4 (74 percent) of survey respondents with annual household incomes of $100,000 or more are planning a summer vacation. That’s considerably more than the 68 percent earning between $80,000 and $99,999, 61 percent earning between $50,000 and $79,999 and just 39 percent earning under $50,000 who are planning a summer vacation.

As for where these summer travelers live:

• 61 percent of people who live in a city are planning a summer vacation
• 50 percent of those who live in a suburb
• 48 percent of those who live in a town
• 44 percent of those who live in a rural area

Nearly three in 10 (28 percent) U.S. adults are skipping a summer vacation due to affordability

The top explanation among those who are not planning summer vacations, by a wide margin, is that they can’t afford it (65 percent).

Even though inflation seems to be cooling off, the Fed still hasn’t lowered rates . Thus, credit card rates are still high, and Americans continue to feel the pain of higher prices on everyday spending.

A new credit card might help you fight inflation. But many Americans appear to be feeling wary of whether they can afford luxuries like a summer trip.

Among those not planning summer vacations, Gen Xers were most likely to say they can’t afford it (67 percent), followed by millennials (62 percent), boomers (61 percent) and Gen Zers (53 percent).

In 2023, 58 percent of Americans also said they couldn’t afford it. Other reasons for not planning a summer vacation include:

• 24 percent are not interested in taking any vacations currently (versus 23 percent in 2023)
• 13 percent said their health or age (versus 15 percent in 2023)
• 11 percent said it’s too much of a hassle
• 10 percent can’t take time off work (versus 11 percent in 2023)
• 10 percent said too many family obligations (versus 13 percent in 2023)
• 4 percent are planning a vacation for another time (versus 11 percent in 2023)
• 1 percent said their desired destination is too crowded (versus 23 percent in 2023)
• 9 percent said it was another reason (versus 7 percent in 2023)

Rossman advises “taking advantage of any credit card rewards, airline miles and hotel points you’ve socked away.”

“Maybe even sign up for a new credit card with a generous sign-up bonus that you can put toward your getaway,” he says. “Finally, if going somewhere isn’t feasible this year, at least take some time off to relax and recharge close to home.”

3 types of debt that can be less expensive than credit card debt

If you’re planning to take on debt to pay for a summer vacation, putting it on your credit card might be an expensive decision. That’s because credit card interest rates are high — currently averaging almost 21 percent. For every day that you carry a balance, you’ll pay interest on those vacation expenses (and you’ll also pay interest on your interest).

A word of caution that it’s not the best idea to spend beyond your means for a vacation. You could avoid going into debt for a big trip by doing things like saving , travel hacking with credit card rewards and looking for deals.

If you still want to borrow money, here are three forms of debt that might be less costly than credit card debt:

1. Personal loan

The best personal loans can come with lower interest rates than credit cards. If you need a large chunk of change to pay for travel expenses up front, you could apply for a personal loan. Having good credit may increase your chances of being approved and getting a lower rate. Just keep in mind that you’ll still be paying interest as you make payments over time.

2. Buy now, pay later (BNPL) service

You could use a BNPL app like Affirm, Afterpay, PayPal in 4, Perpay or Sezzle to make interest-free payments over time on large purchases like flights or hotel stays. You’d be joining the 8 percent of survey respondents planning to use a BPNL service to pay for summer travel.

3. 0 percent intro APR credit card

Applying for a 0 percent APR credit card could buy you time to make purchases that you pay off later, interest free. Just consider whether you can pay off the balance by the time the introductory period ends — usually within 12 to 21 months. After that, the card’s regular APR will kick in and you’ll start racking up interest. Also remember that applying for a new credit card can temporarily ding your credit.

Methodology

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Money blog: Mobile customers told to switch within weeks or risk losing number

The Money blog brings you personal finance and consumer news, plus all the latest on the economy. Let us know your thoughts on any of the stories we're covering in the comments box below.

Friday 21 June 2024 20:22, UK

• Plusnet customers have weeks to switch provider or risk losing number
• Three popular brands fail sunscreen tests
• Interest rate held at 16-year high in blow for borrowers
• Aldi tactic forces Tesco 'to pull products from sales campaign'

Essential reads

• Why frozen fruit and veg can be better for our health - and our wallets
• Ian King analysis: Door still open for August rate cut - though one thing could get in the way
• 'One guy wanted to rent my room for a few hours to meet a friend...' What I learnt from putting my home on Airbnb
• Women in Business : 'How I went from mum with no qualifications to owner of big law firm'
• Best of the Money blog - an archive

Ask a question or make a comment

Plusnet customers have just weeks left to switch to another mobile provider, or risk losing their phone number and access to banking apps.

At the end of the month Plusnet mobile services - which is part of BT - will close as EE takes over as BT's main mobile brand. 

The company said customers should have been contacted 30 days before the date their account will close.

They will then have 40 days from that date to switch provider.

How can I keep my mobile number?

Customers who want to keep their mobile number will need to request a porting authorisation code (PAC). 

To do this, text the word PAC to 65075 and give it to a new provider. The code remains valid for 30 days.

A Plusnet spokesperson told Sky News it had been contacting customers for months to let them know the mobile service was closing. 

It said it is offering customers EE SIM-only deals starting at just £4 a month. Alternatively, they can switch to any other supplier, taking their number with them.

Around 1,500 workers at Tata Steel are to hold an "all-out indefinite strike", the Unite union has announced. 

The industrial action at Port Talbot and Llanwern, Newport, will begin on 8 July and is expected to "severely impact" the company's UK operations, the union said.

It comes in response to plans to close Tata Steel's blast furnaces in South Wales, putting 2,800 jobs at risk, according to the union.

Unite said it would be the first time in more than 40 years that steelworkers in the UK have gone on strike.

Industrial action, including staff working to rule and a ban on overtime, began earlier this week.

The union's general secretary Sharon Graham said: "The strikes will go on until Tata halts its disastrous plans.

"Unite is backing Tata's workers to the hilt in their historic battle to save the Welsh steel industry and give it the bright future it deserves."

The UK's biggest trade union has officially backed the campaign to introduce a four-day working week. 

Unison has argued the flexible working pattern could help employers recruit and retain staff, and has demanded the next government take action to make sure more businesses adopt it. 

Campaigners have argued that research shows business performance and productivity increases when staff are able to work a four-day week.

Unison's general secretary Christina McAnea said the COVID pandemic proved people could do their jobs from home and, with the use of AI on the rise, the move was inevitable. 

"What's needed is a rethink on how workplaces are organised, as well as progressive policies that future-proof people's livelihoods and protect their wellbeing," she said. 

Last year, 61 companies across the UK took part in a four-day working week trial, and 56 of them agreed to stick with it. 

The Great British summer could finally be arriving, with some forecasts suggesting there could be a heatwave next week.

But as temperatures creep towards 30C, technology in your home, including mobile phones and broadband routers, can overheat.

Placing a router in the coolest room, away from direct sunlight is the best way to ensure you stay connected to the internet, experts at Uswitch.com have recommended. 

Mobile phones are also designed to work up to 35C.

Putting devices in direct sunlight can put them under additional strain.

Uswitch.com says by closing down unused apps, checking non-official chargers, and avoiding putting mobiles in a fridge or freezer, can keep them cooler for longer. 

As thousands of Taylor Swift fans descend on Wembley Stadium for the blockbuster Eras tour this weekend, parents who are set to endure the clapping, screaming and crying have the chance to bag themselves a freebie. 

Tech retailer Curry's is giving away free JBL noise-cancelling headphones to the first 50 parents or guardians who show a valid concert ticket.

"Taylor Swift's tour in Wembley will be a musical moment like no other," Stuart Taylor, store manager at Curry's in Wembley, said.

"But we know she isn't for everyone. 

"We have already seen so many videos of social media of parents taking their kids to dates on the tour so far, so we wanted to give something back to parents doing their duty - whether they're going with their kids or playing taxi driver."

The deal only applies to the Wembley store in northwest London.

Government borrowing was less than expected in May , new figures have revealed.

Net borrowing - the difference between public sector spending and income - was £15bn, an increase of £0.8bn on the same time last year, the Office for National Statistics said.

The amount is below the £15.7bn forecast by the Office for Budget Responsibility and less than expected by economists.

However, it's still the highest amount for the month of May since the COVID-19 pandemic.

Retail sales rose by a better-than-expected 2.9% in May as increased footfall, better weather and deals saw shoppers return to high streets, according to officials.

It comes following a poor performance during the previous month as days of heavy rain dampened demand across much of the country.

Economists polled by news agency Reuters had been expecting a rise of around 1.5%.

Meanwhile, the Office for National Statistics also revised its retail sales figures for April.

It previously estimated that they fell by a worse-than-expected 2.3%, but now it says the drop was 1.8%.

Microsoft has regained the title of the world's most valuable public company , just days after it was overtaken by one of its rivals.

Computer chipmaker Nvidia lost its hold on the top spot after its shares slipped by 3.5% in the US yesterday, leaving the company valued at $3.2trn (£2.5trn).

Nvidia, Microsoft and Apple are now in a three-horse race for the top spot, while they are also battling to become the world's first $4trn (£3.2trn) firm, analysts say.

A key factor to watch is whether Nvidia can maintain its dominance in AI, or if its market share will be eroded by its rivals as they invest heavily in the field while racing to catch up.

By Daniel Binns, business reporter

Shares in Britvic have surged by 15% on the FTSE 250 this morning after the soft drinks maker revealed it had rejected a takeover bid from beer giant Carlsberg.

The Hertfordshire-based company, which owns brands including Robinsons squash and J20 - as well as distribution rights for Pepsi in the UK - said the proposed £3.1bn deal was a "significant" undervaluation of its worth.

Britvic told shareholders this morning that its board "remains confident in the current and future prospects" of the company.

However, board members said they would "consider any further proposal on its merits," adding: "There can be no certainty that any firm offer will be made for the company, nor as to the terms of any such offer, should one be made."

The FTSE 100 overall is down nearly 0.3% in early trading, with the FTSE 250 slipping 0.2%.

Top climbers on the FTSE 100 include grocery delivery firm Ocado, which is up 3%.

It comes amid increasing consumer confidence, falling inflation and new figures that revealed a better-than-expected 2.9% rise in retail sales during May.

Water firms United Utilities and Severn Trent are also both up around 2%.

Packaging firm Smurfit Kappa is among the biggest fallers, dropping nearly 3% on Friday morning.

On the currency markets, £1 buys $1.26 US or €1.18, similar to yesterday's rates.

Oil prices are stable this morning, with the cost of a barrel of Brent Crude hovering around $85 (£67).

It can be hard to balance the demands of eating well without spending a lot.

In this series, we try to find the healthiest options in the supermarket for the best value - and have enlisted the help of  Sunna Van Kampen , founder of Tonic Health, who went viral on social media for reviewing food in the search of healthier choices.

In this series we don't try to find the outright healthiest option, but help you get better nutritional value for as little money as possible.

This time, we're looking at whether frozen fruit and vegetables, often a lot cheaper and more convenient, are just as good for you as fresh. 

Frozen products often get bad press, but is that fair? 

Sunna argues they can be better for you nutritionally than fresh - and that's good news for your wallet.

Fresh produce challenges

Before we get to why frozen fruit and veg is so great, let's look at some of the downsides of fresh produce. 

"Fresh fruit and vegetables are some of the healthiest foods you can eat, but they often have been picked before peak ripeness to allow them to ripen during the long distances to reach your local supermarket," he says.

This gives them less time to develop their full range of vitamins, minerals and natural antioxidants and during the journey, they might also spend days or even weeks in transit and storage. 

Because of that, vitamins like C and B and other antioxidants start to degrade - beginning the moment they are picked. 

"By the time it reaches your plate, your fruits and veggies might not be as nutrient-dense as they once were," he says.

The average UK household also wastes about £470 of food each year - and a big portion of that is fresh fruit and vegetables that have gone bad before being eaten. 

Why frozen may be a better option 

"Frozen veg could be your best ally in maintaining a nutritious diet while keeping costs low," Sunna says. 

Frozen produce is picked at peak ripeness, when it's most nutrient-dense, then flash-frozen within hours of picking. 

"This process effectively pauses the degradation of the vitamins, minerals and antioxidants, preserving the nutritional value until you're ready to eat," Sunna says. 

"Freezing produce also locks in nutrients that might otherwise be lost during the transportation and storage of fresh fruits and vegetables."

The good news doesn't stop there - as your wallet can also win here.

Here are a few examples of the price difference between fresh and frozen produce:

Blueberries - more than 40% saving

• Fresh 300g - £10.50 a kg
• Frozen 400g - £6.25 a kg 

Broccoli - more than 45% saving

• Fresh loose - £2.19 a kg
• Frozen florets - £1.19 a kg

Spinach - more than 65% saving

• Baby fresh 220g - £6.10 a kg
• Frozen 900g - £2.06 a kg

So switching from fresh to frozen blueberries (assuming one punnet a week) would save you £33.80 a year - do the same with broccoli and spinach and you're looking at more than £100 in savings. 

Look in your cupboards and in your fridge for easy substitutes to maximise savings - these are just three examples. 

There is one obvious drawback here...

"Frozen doesn't always taste as good as fresh," Sunna says, "but there are simple ways to make these changes more palatable for your taste buds too."

Sticking with our examples above - using fruit in smoothies means you'll barely notice a difference, while you can steam or roast broccoli instead of boiling it to avoid it going mushy.

Spinach tastes virtually the same. 

"Don't let the allure of fresh produce blind you to the benefits of their frozen counterparts," Sunna says.

"By switching to frozen, you can enjoy better nutrient retention, amazing cost savings, and reduce food waste - a win-win-win." 

Read more from this series... 

Three popular sunscreen products have failed an annual safety test by Which?.

Asda Protect Moisturising Sun Lotion SPF30 High, Calypso Press & Protect Sun Lotion SPF30 and Bondi Sands SPF 50+ Fragrance Free Face Sunscreen Lotion all failed the consumer champion's tests to assess their SPF and UVA protection.

Asda said it did not recognise the results, while Calypso said its product passed EU standards and regulations in independent testing.

Which? said the Calypso's Press & Protect lotion "barely mustered" two-thirds of its claimed SPF30 across the two tests.

Asda's Protect Moisturising lotion failed both rounds of testing, it added.

Bondi Sands SPF50+ "did not come close" to the claimed SPF and did not reach the minimum required UVA protection. 

Asda said: "We recently had our Asda Protect Moisturising Sun Lotion SPF 30 High re-tested by a leading external provider using internationally recognised testing methods. 

"These test results confirmed that this product has a sun protection factor of 31.5, and therefore we do not recognise the test results Which? has published.

"When Which? reviewed this same product in 2022, they awarded it 'Great Value' at that time and it passed their SPF test."

Calypso Sun said: "All products are carefully and independently tested and have passed EU standards and regulations."

Bondi Sands did not respond to a Which? request for comment.

Every Friday we get an overview of the mortgage market with the help of industry experts. This week we have spoken to David Hollingworth, associate director at  L&C Mortgages , and Rachel Springall, finance expert at  Moneyfactscompare.co.uk . 

Although it was widely expected to happen, the Bank of England's decision to hold interest rates at the 16-year high of 5.25% for the seventh time in a row dealt a blow to borrowers.

There had been better news the day before, when inflation fell to the Bank of England's target of 2%, ending a long three-year wait for borrowers.

Markets now expect the Bank to cut interest rates in August or September, which would be a major moment.

As Rachel Springall, finance expert at Moneyfactscompare.co.uk, says, with inflation reaching the target "there will be more pressure on the committee to vote in favour to cut the bank base rate at its next meeting in August".

"Regardless of any potential base rate changes to come, fixed mortgage rates can rise or fall depending on how markets anticipate rates to fluctuate, so it's essential borrowers keep a close eye on the latest deals to hit the market," she adds. 

"Week on week, the overall average two-year fixed rate fell to 5.96% and the average five-year fixed rate remained at 5.53%."

These are the lowest rates on offer…

Moneyfacts advises people looking to avoid upfront costs and legal fees to look at Best Buys as well as the deals with the lowest rates...

Will a cut change anything?

The last time inflation was this low was July 2021. Back then, as David Hollingworth, associate director at L&C Mortgages, points out, the lowest fixed rates were around 1%. 

They're now around 4.5%, which shows how quickly rates have changed.

Mortgage rates have moved around a bit in recent months as markets questioned when the interest rate cut would come and how big the cuts would be, David says.

"That pushed some fixed rates up a little, but we've seen funding costs ease back a little, and now lender price changes are often a mixed bag of cuts and hikes. 

"Overall mortgage rates are tending to hold steady and the decision to hold the base rate will not come as a surprise to anyone, so it's unlikely that there will be much reaction in mortgage rates."

He has some advice for anyone delaying taking out a mortgage in the hopes of a rate cut: "Those that have been holding off in the hope that fixed rates will drop soon may want to reconsider their approach. 

"Even if we do see a cut in August or September that will already have been priced into fixed rates and may not result in a major shift in rates.

"In many ways the safer approach may be to get a rate in place to protect against any increases and then keep rates under review up until the end of the existing deal.

"If rates do improve, you will generally still be able to move across to the newer product."

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