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What travel insurance do I need to purchase that protects me against health-related claims?

If you do not purchase your travel insurance through us, please be aware that Contiki requires that you obtain travel insurance ahead of joining our trip. We offer several insurance plans, or you can choose to buy travel insurance from another provider. If you choose the latter, please be sure you are covered for the complete dates of your trip and please validate that you have the appropriate level of coverage in the currency for your country of origin, in the following categories: Trip interruption; (to cover the cost of your trip, including air); Trip Delay; Emergency Evacuation/Repatriation; Medical Expenses from illness (covering individual or pandemic event etc.)

What are the luggage restrictions?

This one depends on the destination and trip you’re traveling on. Read your Contiki travel documentation carefully to understand luggage allowances for your specific trip.

Our typical luggage allowances;

For our European, North American, Australian and New Zealand trips, luggage is restricted to one decent sized, suitcase, approximately 29” × 20” × 10” (73cm x 50cm x 25cm) with a maximum weight of 20 kilos (44lbs.) plus one small hand/day bag that can go on the transport with you. Metal frame backpacks are not advised as their bulky shape makes packing vehicles tricky, plus they are more likely to damage other luggage.

For Latin America, Asia & other regions which have internal flights included in the itinerary, luggage weight restrictions must be within the restriction of the given airlines you’re traveling on. It’s up to you to ensure you keep within these measurements and weight restrictions, so please check this out before you travel as excess baggage fees will be at your own cost.

Some trips have specific luggage requirements, such as Contiki sailing, trekking and some Contiki camping trips – you will have this information sent to you in your pre-trip documents should this apply.

For our train trips please note you must be able to carry your own bags on this trip.  As we will be taking public transport in cities & getting to the heart of the destinations we visit, pack wisely.

On European ski trips and New Zealand trips with a ski option you have the option to bring one pair of skis and ski boots or snowboard.

How do I book a trip?

Our website and search function will show you all the different regions we explore, and from here you can filter by type of trip, length of trip, price, etc. If you’re more of a people person and want to chat to one of our team, give us a call (find and we can book your trip over the phone or via onsite chat.

Do I need travel insurance?

Yes! It’s a requirement of traveling with Contiki that you take out comprehensive insurance cover for cancellation, personal injury, death, medical expenses, repatriation expenses, evacuation expenses, personal liability & loss of personal property and Covid related expenses before you travel with us. It’s also super important to check that your insurance covers all of the activities you’ll be trying out, particularly any adventure activities (for all you adrenaline junkies).

Can I book online?

You certainly can! All of our trips are available to book online, just select your preferred travel date(s) and away you go. You can also book over the phone if you'd prefer.

Are flights included in the cost of the trip?

International flights to/from the destination your trip starts and ends in are not included in the cost of the trip, and must be purchased separately. Booking direct with Contiki?  You can add flights on during the booking process. Alternatively, you can book them yourself.

Any flights you take during your Contiki are included in the cost of your trip. Particularly in regions like Asia, Australia or South America, we use planes to get you from A-to-B as quickly as possible, and all of this is included. Check out our full booking conditions for more information on what’s included and what’s not.

What type of accommodations do you stay in on Contiki?

We have a whole mix of accommodations styles on our trips, depending on the destination and the travel style you have chosen. With us, you can stay in hotels, hostels, boats, camping sites, jungle lodges, eco camps, beach resorts, and even our very own 16th century French Chateau. 

All accommodations used by Contiki has been vetted and determined by standard of the Travel Style it is associated with.

Search results may be filtered by accommodations type if you have a specific need.

What's not included that I should budget for?

Contiki social travel trips have a large degree of flexibility built into them to enable you to truly own your experience. This means that some trip elements are not included in the initial cost and may require additional budgeting. 

Flights to and from your starting and ending points are not included in the cost of your trip. These can be added on during the booking process either online or via our contact center or booked independently by you.

Each trip contains the right amount of free time for you to explore or indulge your travel desires. We offer Free Time Add-Ons, which are additional experiences that are not included in the overall price. These add ons are highlighted on the specific trip page. Your Trip Manager will highlight these to you and organise their booking on trip. Exceptions may apply where pre booking is required but this will be made known to you in your pre departure information.

A number of meal times are left open for you to explore a region and its foodie offerings in greater detail, so budgeting for your taste in non-catered meals is important. 

Travel insurance and visas are also not included in the cost of your trip, and should be booked separately.

What are Contiki's sustainability credentials?

Travel comes with responsibilities. That’s why we’re determined to travel sustainably and consciously, and that’s why we’re willing to take a stand on issues closest to our hearts. Find out more details here .

With the help of our four-point Climate Action Plan, we're now on a journey to Net Zero - committing to carbon reductions and evolving to support the transition to a low-carbon future.

Find out more details here .

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The Truth About Contiki Tours – The Good, The Bad And The Ugly

Picture this: A diverse group of people has their own unique stories and backgrounds. They are setting out on a shared journey through the heart of Europe.

That’s Contiki’s essence. It’s a unique travel adventure for young 18 to 35-year-olds. It’s for those who crave both excitement and camaraderie.

But don’t get too swept up in the romantic idea of gallivanting across Europe .

Let’s strip away the glossy brochure promises. Sure, the plan has famous landmarks and lesser-known spots. But, can they make your trip a memorable adventure?

Having gone on one of their trips this spring to Europe , I set out to debunk this question in this article.

As I sit down to write, I’m eager to offer you an unfiltered account of my Contiki trip. I’ll cover the highs, the lows, the unexpected twists, , and even how I managed to fit in some self-care amidst the whirlwind of activities.

At A Glance

What Is Contiki?

Why go on a guided tour, limited time for holiday, don’t want to plan your own trip, want to travel but be safe, want to travel solo and make new friends, see a bit of everything, if you’re not a patient person, if you want to explore each destination in depth, if you want more flexibility in your itinerary, if you prefer intimate or solo travel, if you desire authentic cultural immersion, i’m in my late 20s, is contiki right for me, organisation, state-of-the-art equipment, making travel matter, travel pace, personal time off, accommodation, transportation, experiences and activities, trip manager and local guides, personal expenses, travel insurance, so, is contiki worth it.

Contiki claims to be more than just another travel company; it markets itself as a haven exclusively crafted for the bold and youthful, like you and me.

Imagine a global tribe of adventurers, aged between 18 and 35, spanning 60 countries and 6 continents. This is Contiki’s promise – a vibrant community bound by a shared passion for exploration and friendship.

They offer over 350 trips and 300 unique itineraries , promising something for every type of adventurer. From exploring remote Peruvian towns to trekking through Guatemalan jungles, Contiki’s offerings seem exciting on paper.

Amidst the glossy brochures and Instagram-worthy snapshots, does the reality of the trip actually meet the hype that they promise?

Opting for a guided tour simplifies travel in many ways.

When travelling with friends, choosing a tour stops endless debates. They are about itinerary details and accommodations. Everyone pays the tour operator directly, such as Contiki. This makes logistics easy and allows for a smoother journey.

For solo travellers, guided tours offer a chance to meet new people and share costs. They also allow you to explore safely, especially in unfamiliar regions. It’s a good way to explore new cultures. It’s also a way to make friends with fellow travellers.

Guided tours also provide security. You know you have a knowledgeable guide leading the way. This allows for more immersive experiences. You can interact with locals. It enriches your understanding of different cultures.

In my experience, opting for a guided tour has made my travels more enjoyable and hassle-free.

Who’s Contiki For

If you’re strapped for time but eager to make the most of your precious vacation days, Contiki is your ticket to efficient and immersive travel experiences.

With meticulously planned itineraries, you can explore multiple destinations in a single trip without feeling rushed or overwhelmed.

Let’s face it – planning a trip can be a daunting task, especially when you’re juggling work, social commitments, and everything in between.

With Contiki, all the hard work is done for you. From booking accommodations and arranging transportation to curating immersive experiences and activities, Contiki takes care of the logistics so you can focus on what truly matters – enjoying your adventure to the fullest.

Solo travel can be exhilarating, but safety is always a top priority.

With Contiki, you can explore the world with peace of mind, knowing that you’re in good hands every step of the way. From experienced Trip Managers who provide invaluable local insight and guidance to a supportive network of fellow travellers who have your back.

Travelling solo doesn’t mean you have to be alone.

With Contiki, you’ll have the opportunity to connect with like-minded travellers from around the globe. Whether you’re sharing stories over a communal meal, exploring a new city together, or embarking on adrenaline-fueled adventures, you’ll find that the bonds formed on a Contiki trip are as unforgettable as the destinations themselves.

If you’re the type of traveller who wants to see it all – from iconic landmarks to hidden gems – then Contiki is the perfect fit for you.

With a diverse range of trips and itineraries that span continents and cultures, you can customise your adventure to suit your interests and preferences.

Whether you’re craving the hustle and bustle of a vibrant city, the tranquillity of a scenic countryside, or the thrill of an adrenaline-pumping adventure, Contiki offers something for everyone.

Who’s Contiki Not For

If you prefer to move at your own pace and dislike waiting for others to catch up, Contiki may not be the best fit for you.

Group travel inherently involves coordinating schedules and accommodating varying preferences, which can sometimes result in waiting periods during activities or transit.

Contiki tours are designed to offer a taste of multiple destinations within a limited timeframe, which means that time spent in each location is often brief and packed with activities.

If you crave deep exploration and immersive experiences in every destination you visit, you may find the pace of Contiki tours too rushed.

While Contiki provides carefully curated itineraries that offer a well-rounded travel experience, there may be limited flexibility for spontaneous detours or personalised activities.

If you prefer the freedom to tailor your travel plans on the fly and explore off-the-beaten-path destinations, you may find the structured nature of Contiki tours constraining.

Contiki tours cater primarily to young travellers aged 18 to 35 who enjoy the social aspect of group travel.

If you prefer solo travel experiences that allow for deeper connections with locals and greater autonomy in decision-making, you may feel more fulfilled pursuing alternative travel options.

While Contiki offers opportunities to meet fellow travellers and forge new friendships, the group dynamic may not suit everyone’s preferences.

While Contiki strives to provide immersive cultural experiences, the nature of group travel can sometimes result in a more superficial exploration of local culture and customs.

If your travel philosophy centres around authentic cultural immersion and meaningful interactions with locals, you may find that Contiki tours prioritise convenience and entertainment over deep cultural engagement.

In my late 20s and early 30s, the world seems to stretch out before me.

During this time, I found Contiki. It promised adventures and memories to last a lifetime. And indeed, my experience was transformative.

As I set foot on the shores of the Iberian Peninsula, I found myself in the rich cultures of Spain and Portugal . The streets of Cascais are colourful. The rhythms of a Flamenco show are soul-stirring. Each moment felt like a brushstroke on a canvas of discovery.

One highlight was ziplining in Toledo. I love adventure. Toledo is a UNESCO World Heritage Site . It is known for its rich history, diverse cultures, great buildings, and art. And who could forget immersing in the essence of Portugal’s renowned wine culture at a port wine tasting in a wine cellar in Porto?

But amidst the excitement, I found myself pondering: Is Contiki truly the right fit for me in my late 20s?

The itinerary promised a whirlwind of experiences. But, I wondered if travel was more than just ticking off landmarks and eating local food.

I delved deeper into Contiki. I realised that it caters to a specific group. They crave adventure but may overlook cultural immersion.

Sure, Contiki offers a taste of the wonders of the world. But, for those seeking a more introspective journey, it might leave something to be desired.

As I reflect on my time with Contiki, I can’t help but appreciate the highs and see the limits. I’ve realised that the right travel experience is about the destination and the journey within.

What I Was Impressed By Experiencing A Contiki Trip First-Hand

Experiencing a Contiki trip first-hand was an eye-opening adventure that turned out to be nothing like what I expected.

First and foremost, the level of organisation was impeccable. From the moment we gathered for the trip briefing to the final farewell, every detail was carefully planned and executed flawlessly.

As someone with a busy work schedule , having all the logistics taken care of, from accommodations to activities, allowed me to fully immerse myself in the travel experience without any added stress.

One of the things I loved most about Contiki is the sense of community it fosters.

I felt like I was part of something bigger – a global family of like-minded travellers united by a shared passion for exploration.

Whether we were sharing churros in Spain or meandering through the charming streets of Portugal, the camaraderie formed during our Contiki adventure was truly special.

Another aspect that particularly stood out to me was the emphasis on safety.

Before we set off on our journey, our Trip Manager conducted a thorough safety briefing, ensuring that everyone was well-informed and prepared for any situation that might arise. It was reassuring to know that our well-being was a top priority throughout the trip.

Solo travel can sometimes be intimidating, especially in unfamiliar territories or if you’re embarking on solo travel for the first time. However, Contiki’s experienced Trip Managers and the supportive group dynamic provided a reassuring sense of safety and companionship throughout the journey.

Another highlight was the brand-new coach we spent most of our time in. With modern amenities, a bathroom, and plush seating, it became our home away from home as we traversed Europe’s winding roads.

From the moment I stepped onto the coach, a premium and more comfortable bus, I felt at ease. The spacious, plush seats and smooth ride, along with amenities like Wi-Fi and power outlets, made the journey relaxing and enjoyable.

Of course, it wasn’t all serious business on our Contiki trip. The atmosphere was filled with infectious energy, and laughter echoed through the air as we shared unforgettable moments together.

The one effort that really stood out to me was how Maddy, our Trip Manager, would play a special song for us each morning when we boarded our coach to set the energy right for the rest of the day. I’ve got the song now in my playlist which brings me back to the fond memories of our trip each time I play it!

From impromptu dance parties to inside jokes that had us in stitches, there was never a dull moment.

What truly set Contiki apart was their commitment to making travel matter. Through their “Make Travel Matter” initiative in 2016, Contiki is dedicated to giving back to the communities we visit.

One memorable experience was in Cascais, where we participated in a community project to create 80 vibrant paintings that now adorn the local streets, bringing joy to residents and visitors alike.

Additionally, Contiki supports initiatives to aid homeless individuals, providing free classes, meals, and access to essential services such as showers – a testament to their dedication to making a positive impact wherever they go.

What I Was Not So Impressed By Experiencing A Contiki Trip First-Hand

While the overall experience was positive, there were a few aspects during the trip that I thought could be improved.

One area that fell short of my expectations was the pace of the trip. This comes with every group tour that you go with. With larger groups, it naturally takes a longer time to coordinate everything.

I appreciated our Trip Manager and Driver doing their best to coordinate everything in advance so waiting time is minimised.

Individual travellers from the trip, however, are another story. While Trip Managers emphasise punctuality and Contiki trips are very strict about leaving on time, there’s always someone who takes a bit longer than usual.

Your best bet is to hope you don’t encounter an Insta-wannabe who needs multiple shots for the perfect angle and ends up holding everyone else up.

Remember, standard Contiki trips won’t wait around if you’re late.

Shared meals aren’t as prevalent on their standard trips, which means you might not have as many opportunities to dine together as a group. When you do have a group meal, it can take up to 1.5 hours.

On the flipside, as someone who enjoys taking more time to soak in the sights and sounds of each destination, I found the itinerary to be somewhat rushed at times. With jam-packed schedules and tight timelines, there were moments when I felt like I was simply checking off boxes rather than fully immersing myself in the local culture.

Another aspect that left me wanting more was the amount of downtime we had. While I understand Contiki aims to create a rich shared experience in each location, being with a group of strangers for nine consecutive days meant constantly engaging socially. For an introvert like me, that can be draining after a while.

On standard Contiki trips, I appreciated having more genuine free time to do my own thing. While there were group activities, there were also plenty of opportunities to explore independently.

You might assume you can finally switch off after the day is done, but if you opt for the default package, you’ll be sharing your room with one or two other travellers from the trip. To address this, there’s an option to book a private room for yourself.

What’s Included On A Contiki Trip

Contiki provides accommodation throughout your trip, ranging from hotels and hostels to unique stays like glamping or cabins. Rest assured, your lodging will be comfortable and conveniently located.

There’s also the option to upgrade to a private room if you’re not comfortable with sharing with strangers.

The best part about booking a trip with Contiki is that you don’t have to worry about transport. Contiki takes care of transportation between destinations, whether it’s by coach, train, or ferry. Sit back, relax, and enjoy the journey as you move from one exciting location to the next.

While some meals are included, such as breakfasts or select dinners, Contiki also allows for flexibility so you can explore local cuisine on your own.

Be sure to check your specific itinerary for details on meal inclusions.

Your Contiki trip includes a variety of experiences and activities, ranging from guided tours of landmarks to adventurous excursions like hiking or snorkelling.

These activities are designed to immerse you in the culture and beauty of each destination. Some of them are included in a standard package, while others are optional add-ons.

Throughout your journey, you’ll be accompanied by a knowledgeable Trip Manager who’ll provide valuable insights, assistance, and recommendations. All of them, I’ve learned, are highly trained and are guaranteed to give you a good time!

In addition, local guides may join specific activities to offer expertise on the area’s history, culture, and attractions.

While Contiki provides a structured itinerary, there’s also some free time built into the schedule for you to explore independently, work remotely , or relax at your leisure. Use this time to discover hidden gems, shop for souvenirs, catch up on work, or simply unwind and soak up the atmosphere.

What’s Not Included On A Contiki Trip

Flights to and from the starting and ending points of the tour are not included in the base price.

You’re responsible for arranging and purchasing their airfare, ensuring that flights align with the tour’s departure and return dates.

Costs such as souvenirs, snacks, and personal purchases are not typically covered by Contiki. Travellers should budget for any items they wish to buy during the trip and consider currency exchange rates if travelling internationally.

Contiki offers optional travel insurance for purchase, but it’s not typically included in the base trip price.

Travel insurance provides coverage for unforeseen events such as trip cancellations, medical emergencies, and lost or damaged belongings. Here are the ones I recommend .

It really depends on what you’re looking for in your trip.

If you prefer taking your time to explore, want to deeply immerse yourself in local culture and cuisine, and need to keep an eye on your budget, then doing your own research might be the best option.

However, if you want someone else to handle the planning, whisk you away every day, and ensure you have a blast checking off your bucket list, then Contiki is the way to go!

With Contiki, you can sit back, relax, and focus on making amazing memories with new friends. Whether you’re packing for your trip as a digital nomad or preparing for a road trip , Contiki has you covered.

What sets Contiki apart is its commitment to making travel accessible, social, and unforgettable for young people. From themed trips tailored to specific interests like Pride celebrations or Christmas markets to expertly curated itineraries that showcase the hidden gems of each destination, every Contiki experience is crafted with care and attention to detail.

Ultimately, whether Contiki is the right choice for you depends on your preferences, travel style, and what you hope to gain from your journey. But one thing is certain – embarking on a Contiki tour is sure to be an adventure filled with excitement and memories to last a lifetime.

While my Contiki experience was filled with unforgettable moments, there were aspects of the trip that left me rethinking if a group tour is right for my travel style.

However, despite these shortcomings, I remain grateful for the opportunity to explore the world with Contiki and look forward to future adventures that this renowned travel company offers!

Special thanks to Contiki for making this experience possible! All opinions remain my own.

Isabel Leong

Full-time travel blogger at Bel Around The World and SEO coach roaming the world at a whim, Isabel helps aspiring content creators and brands get the most out of their online presence by attracting organic leads/traffic and achieving financial freedom with her Skyrocket With SEO course. She's closely involved in and has been featured as a speaker in other travel & digital nomad networks & podcasts such as Traverse, Travel Massive, The Nomadic Network and Location Indie.

Hi! I'm Isabel, a full-time traveller and digital nomad from Singapore. In the past 10 years, I've lived in New Zealand , Japan , Kauai Hawaii , Mexico , Costa Rica and Bali , while traversing 55+ countries. Pulling from my travel adventures and life lessons, I share my tried and tested tips, so that I can get YOU to work LESS and enjoy MORE!

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11 Best Travel Insurance Companies in August 2024

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

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

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

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

How we found the best travel insurance

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

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

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

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

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

Best insurance companies

Types of travel insurance

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

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

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

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

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

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

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

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

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

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

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

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

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

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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

Travel Guard by AIG

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

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

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

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

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

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

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

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

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

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

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

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

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

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

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

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

» Jump to the best cards with travel insurance

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

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG

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

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

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

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

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

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

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

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

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

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

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

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

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

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

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

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.

Antarctica.

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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

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

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

[Limited Time] New Cardholders Can Get up to $1,050 in Chase Travel℠ Value

Chase Sapphire Preferred® Card

✈️ Our Nerds say it's "nearly a must-have for travelers " because of its big sign-up bonus, high-value points and money-saving perks like hotel credit and rental car insurance.

🤑 Better yet, it's offering one of the best bonuses ever right now, only for a limited time...