travel insurance to israel covid

Israel Travel Insurance

Get the trip protection coverage you need for your travels to Israel with Safe Travels Flex and Safe Travels Rental Plus. Get a quote >

• Get a Quote
• Renew/Extend Coverage
• Retrieve Quote

Do you require trip protection?

Tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

January 30, 2024 - Israel Travel Insurance is available via Safe Travels Flex and Safe Travels Rental Plus trip cancellation plans. Get a Quote

Is travel insurance required to enter israel .

As of May 2023, travel insurance is no longer required to enter Israel. All you need is your valid passport. If you plan to stay more than 90 days, a travel visa is necessary. Latest guidelines

Why should you buy travel insurance to visit Israel?

Trip cancellation insurance covers you and your investment in your trip to Israel. If you must cancel your trip before it even starts, you can be refunded for your insured, nonrefundable trip costs. Or, if something unforeseen happens while you are traveling, trip cancellation plans provide coverage for travel delay, trip interruption, emergency medical, and more. For a fraction of your trip cost, you can add extra protection that can be vital in an emergency. Two Trawick International trip cancellation plans offer coverage for travel to Israel:

Safe Travels Flex

• Our most personalized option
• Includes the two most popular coverages - Trip Cancellation and Trip Interruption - then lets you design the rest based on travel needs and budget
• Add options like Baggage Delay, Emergency Medical, and more

Safe Travels Rental Plus 

• Not just for vacation rentals
• Trip cancellation plan that offers up to $10,000 of non-refundable insured Trip Cost
• Pre-existing medical condition waiver available
• Rental car coverage 
• And so much more!

How much does travel insurance cost? 

Travel insurance typically costs a small percentage of your trip cost, and many factors, including the age of travelers, trip cost, and length of trip, contribute to the cost of travel insurance. So the price of a travel insurance plan will differ for each trip and traveler. Travel insurance provides enhanced protection against unforeseen events for a fraction of your trip cost. 

When should you buy travel insurance? 

For maximum protection, you should buy travel insurance as soon as you book your trip or make your first trip deposit. Travel insurance can protect you against many things depending on the type of plan you purchase.  For example, if your trip was disrupted because of a hurricane and you had trip interruption coverage as part of your trip cancellation plan, you would be eligible to receive reimbursement for that part of your disrupted trip as long as your policy was purchased before the storm was named. 

Get a quote for Israel Travel Insurance

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

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

Effective October 3, 2023

This policy sets out the following:

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

Who is Trawick International?

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

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

What is personal data?

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

What personal data do we collect?

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

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

Information that is provided by you:

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

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

Information that we collect on our website:

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

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

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

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

Information that we obtain from third party sources:

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

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

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

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

How is personal data used?

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

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

Our legal basis for collecting your information:

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

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

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

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

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

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

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

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

Who is your personal data shared with?

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

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

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

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

International Transfers

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

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

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

How long is personal information retained?

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

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

Your Rights as a Data Subject

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Automated decision making

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

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

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

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

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

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

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

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

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

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

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

Children's Data

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

Changes to this Privacy Policy

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

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

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

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

Post Office Box 2284

Fairhope, Alabama USA 36533

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

Terms and Conditions of Use

Important information.

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

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

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

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

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

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

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

ACCESS TO THIS WEBSITE

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

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

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

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

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

RESTRICTIONS ON USE

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

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

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

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

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

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

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

PURCHASES AND PAYMENT

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

PROPRIETARY INFORMATION & TRADE SECRETS

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

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

INTELLECTUAL PROPERTY

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

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

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

HYPER-LINKS

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

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

SOCIAL MEDIA FEATURES

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

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

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

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

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

SUBMISSIONS

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

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

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

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

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

LIMITATION ON LIABILITY

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

INDEMNIFICATION

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

INFORMATION YOU PROVIDE

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

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

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

ARBITRATION AND CLASS ACTION WAIVER

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

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

GOVERNING LAW

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

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

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

NOT A SECURITY OFFER

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

SEVERABILITY

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

EMPLOYMENT OPPORTUNITIES

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

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

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

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

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

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

Trawick International, Inc. Fairhope, Alabama USA 36533

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

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

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

To Be Effective, the Notification Must Include the Following:

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

COVID Travel Insurance

What does travel insurance cover .

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

AXA Travel Protection coverages:

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

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

Getting Travel Insurance has never been easier!  

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

Compare Travel Insurance Plans

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

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

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

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

Need Help Choosing a Plan?

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

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Safety Advice and Travel Insurance for Israel

Update regarding travel insurance to israel (update: feb. 7, 2024).

Select travel insurance plans for travelers with Israel as their destination country are now available. Previously, they were not available d ue to the current war. Existing policies are not affected unless you hear otherwise from your carrier. Anything related to the hostilities may not be covered. These are all insurer-specific, so check your policy documents for complete details.

Israel Travel Insurance for Visitors

Despite constantly erupting political tensions, Israel attracts millions of visitors each year. Some people visit to experience the sacred sites of three of the world’s major religions. Others come to enjoy the coastal restaurants and famous nightlife of Tel Aviv. Nearly everyone wants to float in the Dead Sea. When visiting, make sure you have travel insurance for Israel . In the last decade, more people have also traveled to Israel for medical tourism in one of the most advanced healthcare systems in the world. Israel’s modern society exists side by side with ongoing political struggles and the ever-present threat of sudden violence. While there have been periods of calm, the region has experienced regular conflict for more than half a century.

Do I Need Travel Insurance for Israel?

Yes. Israel requires visitors to have travel insurance when they arrive. You must show proof of your travel insurance, though COVID-19 coverage is no longer required as of May 15, 2023.

Best Travel Insurance for Visitors to Israel

The safety situation in Israel, the West Bank, and Gaza can change quickly. The sudden eruption of conflict or a terrorist attack is possible. To prepare, the U.S. State Department recommends that your travel insurance include medical evacuation. For complete peace of mind, it should also cover emergency travel changes and repatriation of remains. International Citizens Insurance can help you find a travel insurance plan that meets all your needs.

The IMG Patriot Travel Insurance plan is a good option for most travelers. For US citizens traveling abroad, you can purchase trip cancellation coverage through the iTravelInsured plan below.

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

iTravelInsured Trip Cancellation Insurance

• Three levels of trip protection for U.S. residents traveling abroad.
• Medical cover, trip cancelation and medical evacuation included.
• Optional Cancel for Any Reason coverage available (LX Plan).

Medical Preparation for Travel to Israel

As with many destinations, Israel may expose you to new illnesses and unfamiliar environments. You may also need to manage existing health issues during your stay. The following information will help you protect your health in Israel.

What Vaccinations Do I Need to Travel to Israel?

Israel does not currently have vaccination requirements for visitors — not even for COVID-19. However, the U.S. Centers for Disease Control and Prevention (CDC) advises all travelers to Israel be up to date on their routine vaccinations (influenza, chickenpox, MMR, DPT), as well as rabies, polio, COVID-19, and others. The CDC also recommends the typhoid vaccine for those planning to go to Gaza or the West Bank.

How to Bring Medications to Israel

Travelers can bring prescription medications for personal use into Israel. Any time you travel internationally, keep prescription medications in the original packaging and packed in your carry-on bag along with the prescriptions from your doctor. You may want to list the generic names of your medications for easier identification by authorities. If your medical condition requires syringes and vials, be sure to travel with a letter from your doctor explaining your medical needs.

Some visitors may need to travel with narcotic or psychotropic drugs to manage a medical condition. The Israeli Ministry of Health allows up to 31 days of each type of drug as long as you have all of the proper documentation. If you are concerned about the legality of your prescription medication in Israel, contact Israel’s embassy or consulate in your current country to confirm.

Standard over-the-counter medications in North America are usually found at local pharmacies in Israel. You may still want to travel with some of the CDC’s Israel packing list recommendations for convenience.

Related: Health Insurance in Israel for Expats

How to Access Medical Care in Israel for Visitors

Israeli law provides all residents with health insurance plans through one of four non-profit companies. Visitors do not qualify for this coverage. They are legally required to arrive with an active travel insurance plan.

Israel has one of the most efficient and highly-ranked healthcare systems in the world. This means you have a variety of options for excellent medical care should you need it. Your travel insurer will provide you with recommendations for medical institutions in Israel. Cross-reference your list with our article on the best hospitals in Israel for expatriates . Sometimes, travel insurance can provide telehealth visits or a translator via phone. English is widely spoken in Israel, especially in the medical field.

In a medical emergency, your condition will determine your care options. Urgent care centers (like Terem, Tel Aviv Doctor, or Bikur Rofeh) operate around the country, with some open 24 hours a day, seven days a week. Doctors can write prescriptions and give you referrals for more extensive care.

How to Call an Ambulance in Israel

For more serious emergencies, you can call an ambulance by dialing 101 and Israel’s Magen David Adom ambulance will arrive. If you are in the West Bank or Gaza, it may be a Palestinian Red Crescent Society ambulance that comes. As a visitor not covered by national health insurance, you will be charged for the transportation. You will need to submit the claim to your travel insurance company for reimbursement. The ambulance will likely take you to the nearest hospital with the services you require based on your condition. Your stay will include paying for your care. Emergency rooms in the major cities are crowded. In Tel Aviv, the emergency room wait time could be four hours or more. While care is the same, you can expect Israel’s private hospitals to offer more amenities and services than the public hospitals.

In the event of a disaster or terrorist attack, dialing 101 will alert Magen David Adom (if you are deaf or hearing impaired, send a text to 052-7000-101) or the Palestinian Red Crescent Society. Like the American Red Cross, both of these organizations are members of the Red Cross and Red Crescent Movement and provide ambulance and other medical services during disasters.

Visitors going to the West Bank and Gaza should be aware that hospitals in those areas may lack equipment or be overwhelmed. The U.S. State Department warns that ambulances may be in short supply or not available in Gaza and the West Bank.

Related: Israel Healthcare System

Travel Warnings and Alerts for Israel

The security situation in Israel, the West Bank and Gaza is constantly shifting. Travelers should check the latest travel alerts from government sources leading up to and just before their departure.

It is also wise to check on alerts throughout your stay. The U.S. Smart Traveler Enrollment Program (S.T.E.P.) is an easy way for U.S. travelers to get alerts on a specific country. They can also register their trip with the nearest U.S. embassy.

Other websites that offer up-to-date alerts on Israel include:

• U.S Department of State “Israel, the West Bank and Gaza” page
• Australian Government Smartraveller “Israel and the Palestinian Territories” page
• U.K. Government Foreign Travel Advice “Israel” page
• Government of Canada Travel Advisory “Israel, the West Bank and Gaza Strip” page
• Singapore Ministry of Foreign Affairs “Israel and the Palestinian Territories” page

The governments of the countries listed above advise their citizens against traveling to Gaza.

Emergency Contact Information for Israel

The following is a guide to the emergency numbers you need to know for Israel.

Emergency Assistance Numbers in Israel

• Police – 100
• Medical Assistance/Ambulance – 101
• Fire Service – 102
• Disaster Victim Identification – 1220 (ZAKA)
• Emotional Crisis Hotline – 1201 (ERAN)
• Rape Crisis & Sexual Abuse – 1202 (Women) 1203 (Men)
• Student Hotline – 1-800-222-003
• Violence Hotline for Students -1204
• Israel Assoc. for Child Protection (ELI) – 1-800-223-966
• 24 Hour Poison Information Center & Hotline at Rambam Hospital – 04-7771900

Israel does not use the United States emergency number 911. However, dialing the United Kingdom emergency number 112 from any GSM mobile phone will connect you with the local emergency line.

Global Medical Plan for Foreigners Residing in Israel

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Embassy Phone Numbers in Israel

The following is a list of contact information for certain embassies in and near Israel:

• U.S. Embassy Jerusalem 14 David Flusser Street Jerusalem, Israel 93392 + (972) (2) 630-4000 (Main Phone) + (972) (2) 622-7230 (Emergency After-Hours Number – Ask for the Duty Officer) + (972) (3) 519-7551 (Emergency After-Hours Number)U.S. Embassy Tel Aviv Branch 71 HaYarkon Street Tel Aviv, Israel 63903 + (972) (3) 519-7475 (Main Phone) + (972) (3) 519-7575 (Emergency After-Hours Number – Ask for the Duty Officer) + (972) (3) 519-7551 (Emergency After-Hours Number)
• Canada House 3/5 Nirim Street, 4th Floor, Tel Aviv, Israel 6706038 + (972) (3) 636-3300 (Main Phone)
• British Embassy Tel Aviv 192 Hayarkon Street Tel Aviv, Israel 6340502 + (972) (3) 725 1222 (Emergency – After hours, select the emergency option.)
• French Embassy in Israel 112 promenade Herbert Samuel BP 3480 Tel Aviv, Israel 6357231 + (972) (3) 520 85 00 (Main Phone)
• Australian Embassy Israel Bank Discount Tower, 28th Floor, 23 Yehuda Halevi St. Tel Aviv, Israel 6513601 + (972) (3) 693 5000 (Main Phone) + (61) (2) 6261 3305 (Consular Emergency Centre – from outside of Australia)

4 Tips for Safe Travel in Israel

1. stay alert, especially in crowded areas.

Violent attacks happen without warning. In any country, the best way to prepare for the unexpected is by planning ahead. If you know you will be in a crowded area or place of significance (like a tourist site), plan your exits. Stay aware of your surroundings and report any suspicious activity to local authorities. If you feel unsafe, leave immediately. The CDC recommends carrying a card with your blood type, medications and emergency contact numbers in Hebrew and Arabic just in case.

2. Frequently Check Travel Updates

You may not be near the place where an attack or protest happened, but you could still be impacted by resulting new security measures, such as curfews. If you are a U.S. citizen, enroll in the U.S. Smart Traveler Enrollment Program (S.T.E.P.) to receive alerts on Israel throughout your trip.

3. Watch Your Step and Your Belongings

You may be walking over the ruins of ancient structures or hiking through more remote, rocky areas like Appolonia National Park. Wear comfortable shoes and watch where you step to avoid a sprained ankle (or worse), which could spoil your trip. Cities like Jerusalem and Tel Aviv are modern with maintained streets and sidewalks. Still, historic neighborhoods may have unexpected hazards. Pickpocketing is also common, so be mindful of your possessions. Pack important belongings securely to minimize risk.

4. Bring Water and Dress in Comfortable Layers

Israel has a Mediterranean climate to the north and a more arid climate to the south. Its terrain includes mountains, beaches and deserts and it can get very hot in the summer months. Bring sunscreen, hats, sunglasses and plenty of water when you’re out exploring in dry, hot areas. Dress in layers as temperatures can fluctuate throughout the day. Layered clothing will also help you quickly adapt to more modest clothing requirements at certain religious buildings and sites.

Israel is Best When You’re Prepared for the Worst

While most visitors will never encounter a violent incident, Israel’s tense geopolitical climate cannot be ignored. Despite the possible threats, visitors will find busy cafes and shops where conversation fills the air in Hebrew, Arabic, English, Yiddish, and more.

Paying attention to the news and the latest government travel advisories is key to making informed travel decisions about Israel. If the situation abruptly changes, your travel insurance can help you cancel a trip before you ever set foot in the country or help you get home quickly. Let International Citizens Insurance help you find the right travel insurance for Israel.

From the Sea of Galilee to the Mediterranean coast, Israel’s ancient history, diverse culture, and complex politics combine to make it a unique destination. Arriving prepared and with the right travel insurance will allow you to absorb the gravity of Israel freely — a place that means as much to those who live there as it does to millions who have yet to make the journey.

Related Articles:

• Best Hospitals in Israel for Foreigners
• Health Insurance in Israel for Foreigners
• Israel’s Healthcare System

Author: Alon Cohen is the Director of Digital Marketing at International Citizens Insurance . His background is in online marketing & technology, with over 20 years of experience in the field. Over the years, he helped hundreds of companies, from small mom-and-pop shops to growing start-ups to Fortune 500 companies. Alon spent 15 years living in Israel as an expatriate with his family before moving back to the States and has traveled there multiple times since then. Connect with him on LinkedIn .

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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Travel insurance with Covid cancellation cover: the right policies

By Sophie Butler

Purchasing travel insurance during the time of Covid can be overwhelming – will you be covered in case of cancellation, or do policies that offer medical assistance for Covid exist? Here, we break down the policies that offer Covid cover, plus what to look for in a travel insurance policy and whether your insurance is invalidated if the government advises not to travel. 

What is the best travel insurance with Covid cancellation cover?

Yes, here goes... Note though, all policies currently have restrictions on claims relating to Covid-19 and be aware that the situation is changing fast, so double-check the latest cover before you buy.

All Clear Travel Insurance ( allcleartravel.co.uk ): cover is available to people of all ages but particularly suitable for travellers with pre-existing medical conditions that other insurers are reluctant to cover.

Axa ( axa.co.uk ): this long-established, French-owned company is one of the largest insurers, providing a wide range of different policies geared to a variety of travel types.

Battleface ( battleface.com ): geared to individuals and groups with an emphasis on adventurous activities abroad and travel to remote destinations.

Campbell Irvine Direct ( campbellirvinedirect.com ): this insurer was established more than 45 years ago, and policies offer cover for travel to challenging and adventurous locations, including conservation and volunteer projects.

CoverForYou ( coverforyou.com ): competitively priced policies include winter sports and backpacker cover with enhanced silver, gold and platinum options.

Holidaysafe ( holidaysafe.co.uk ): catch-all travel specialist with a portfolio of ‘niche’ policies covering specific sporting activities including triathlon, sailing and cycling .

LV Travel Insurance ( lv.com ): one of the UK’s largest and longest-standing insurers, founded in 1843, offering single and multi-trip cover.

PJ Hayman ( pjhayman.com ): strong on customer care, with cover for medical conditions and hazardous activities plus round-the-world and gap-year travel.

Puffin Insurance ( puffininsurance.com ): annual or single-trip policies for customers aged 18-74, covering more than 75 different activities with numerous optional add-ons.

Trailfinders ( trailfinders.com ): policy automatically includes children up to 21 years, free of charge (note those aged 19-21 must be in full-time education).

Can I get travel insurance during Covid?

In a word, yes. Some companies (see list above) say they will still sell you insurance – including the crucial medical-expenses cover – provided the UK's Foreign, Commonwealth and Development Office (FCDO) doesn’t advise against all or all but essential travel. Check the current FCDO list for the latest advice. Some insurers will also offer cover for destinations on the red list , but in the current climate of uncertainty, rules governing travel to individual countries can change fast. Travel-insurance specialist Battleface has a useful country travel restrictions tool on its website to help people check the latest developments based on a variety of factors including destination and departure dates.

Why is travel insurance important?

If you have a trip booked and don’t yet have insurance, it’s important to buy a policy as soon as possible. That way, if anything changes – FCDO advice for example – you will already have cover in place. The problem with choosing the best policy is that everyone has different requirements – it may depend on your destination, the type of trip (are you doing lots of adventurous activities , for example?) and quite detailed, nerdy stuff such as ‘travel disruption cover’, which is particularly useful at the moment if you are travelling independently. There is no shortcut to checking through the key provisions of any insurance you are considering.

What should I look for in a travel insurance policy during the pandemic?

This is the key problem. Insurers are obviously jumpy about how exposed they are to claims both for cancellations because of Covid-19 and for medical treatment as a result of catching it while you are abroad. So all have added restrictions and exclusions into their policies. You need to check exactly what those are and make sure you understand the limitations of the cover.

Does travel insurance cover Covid cancellations?

If you already have travel insurance it will normally cover your cancellation costs if you, or one of your travelling companions, falls ill before departure and can’t travel – though you will need a medical report from your doctor to confirm this. Some policies – though not many – cover losses incurred if you have booked independently and have to cancel because of FCDO advice. Look for ‘travel disruption cover’ or ‘journey disruption cover’ in the policy details, which may or may not include disruption due to epidemics (see below for more information). If you are forced to quarantine in a hotel after visiting a red list country, this is unlikely to be covered by any insurance companies. If you are simply nervous of travelling and want to cancel – which is known as ‘disinclination to travel’ in the insurance industry – no policy will cover you.

So what use is travel insurance during the Covid pandemic?

The key value of travel insurance is the medical cover it offers while you are travelling. This will underwrite the cost of treatment and if necessary a hospital stay if you fall ill on holiday. But whether or not you are covered for accommodation costs if you are diagnosed with Covid-19 and have to enter self-isolation or quarantine while you are abroad varies by policy. Some insurers, however, will pay up if you need a new flight home in these circumstances. In short – it varies, so be sure to read the small print.

Is my travel insurance invalidated if the FCDO advises not to travel?

In normal times, travel insurers won’t provide cover to countries or regions where the FCDO advises against all but essential travel. Traditionally, these areas might include destinations such as Afghanistan, Iraq or Yemen, but in recent times it has included much of Europe too, with countries being regularly added to and taken off the UK's quarantine list. However, some insurers now offer affordable policies that are designed for travellers heading to these European destinations, which may be of use once the lockdowns start to ease. As ever, it’s important to read the small print. For example, policies are invalidated during a government-imposed regional or national lockdown in the UK.

Can I get insurance cover if I catch Covid abroad?

Some insurers will cover against coronavirus if the FCDO has listed your destination as safe to visit before you head off. Some offer cancellation cover if you’re diagnosed with Covid-19 within a fortnight of departure, including emergency Covid-related medical expenses while abroad and repatriation, as well as cover in the event of a travelling companion contracting the disease. And you can find insurers that offer cover for medical expenses resulting from Covid-19 for all destinations including countries under FCDO and government essential and non-essential travel advisories.

So what happens if my holiday is cancelled?

If you have booked a package with a tour operator and the FCDO advises against all but essential travel to your destination, your tour operator is obliged to cancel the holiday and offer you a full refund. They might also offer you an alternative holiday, or suggest you postpone travelling dates, but you are entitled to get your cash back. If you can afford to, consider postponing your trip rather than cancelling it completely, should your health or updated government advice mean that you can’t go away as planned. There are a lot of people out there relying on us to keep spending on travel, with around 10 per cent of the world's population earning an income that is linked to tourism. To learn more about how important this is, see our guide to why you shouldn't cancel your holiday .

What if I booked my trip independently?

Travellers who have booked, say, a flight and accommodation separately, normally have no right to a refund if they cancel unilaterally, even if the FCDO has since advised against travel. In practice, however, most airlines are cancelling flights and refunding passengers in this situation. A hotel or villa company doesn’t have to give you your money back – though it is obviously worth talking to them; they may allow you to postpone your stay.

Will my insurance cover me if my airline collapses?

It’s vital to make sure you pay for flights with a credit card (if you are booking a flight directly with the airline and it costs more than £100 you can claim your money back from the credit card company), and check that any tour operator you book with has up-to-date Atol protection – or can show that it has an alternative bonding arrangement in place.

Which websites should I check for the best travel insurance information and advice?

A good website that gives the latest figures for every country reporting cases of Covid-19 is worldometers.info . For the latest formal FCDO advice on every country in the world see gov.uk and search for travel advice. The best health advice is at nhs.uk .

By Charlotte Davey

By Jessica Puckett

By Karthika Gupta

Am I still covered by the EHIC scheme in Europe?

Yes and no. As of Thursday 31 December 2020, Britain left the EU, but anyone holding a valid EHIC (European Health Insurance Card) will be covered for state-supplied medical care while holidaying in Europe until it runs out. And while the EHIC card has been scrapped for anyone who doesn't currently hold one, it has been replaced by the very similar GHIC (Global Health Insurance Card).

Anything else I need to worry about?

Insurers have become very jumpy about pre-existing medical conditions in recent years because they add to the risk of expensive medical claims and cancellations. It is absolutely critical that you declare any conditions you may have when you buy a policy, otherwise – if you do need treatment while you are travelling – you may find your claim is refused.

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The best Covid-19 travel insurance companies to protect yourself against the uptick in cases

Travel insurance can help if you have to cancel or cut a trip short due to covid..

Though the height of the pandemic may have passed, Covid-19 continues to be a consideration in everyday life. And that's especially true for those who are traveling or booking a trip.  

Getting sick on the road or having to cancel your vacation because of illness is a common concern. However, travel insurance can help you ensure you're covered. Many travel insurance policies consider Covid like they would any other illness, but not all. So, you'll still want to carefully read any travel insurance policy you're considering to make sure Covid isn't excluded. For the most comprehensive coverage, you'll want to opt for a plan with cancel for any reason (CFAR) coverage.

To find the travel insurance policies best suited to handle Covid-related issues, CNBC Select looked at Covid coverage and limits for medical coverage and evacuation, among other factors. We found four standouts for the best Covid travel insurance policies. (See our methodology to learn more about how we created this list.)

Best Covid-19 travel insurance   

• Best for high coverage limits : AXA Travel Insurance  
• Best for cruises: Nationwide Travel Insurance
• Best for luxury travel : Berkshire Hathaway Travel Protection  
• Best for cancel for any reason coverage : Allianz Travel Insurance  

Best for high coverage limits  

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

Who's this for?  AXA Travel Insurance is ideal for those seeking high coverage limits for emergency accident and sickness medical expenses, as well as emergency evacuations.

Standout benefits:  AXA's silver plan offers up to $25,000 of medical emergency accident and illness coverage and $100,000 of emergency evacuation coverage, higher than many of the base travel plans we compared. The company's gold and platinum plans offer higher limits, up to $250,000 of medical emergency coverage and $1 million of evacuation coverage. When comparing AXA policies, make sure you have the "Epidemic Coverage Endorsement" included.

[ Jump to more details ]  

Best for cruises

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who's this for?  Nationwide's travel insurance offers higher limits than many other base plans we reviewed, with limits of $75,000 for medical coverage and $250,000 of emergency evacuation coverage in its essential plan.  

Standout benefits:  Nationwide offers several plans tailored to different needs, including a cruise-specific travel insurance plan and an annual plan for frequent travelers.  

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for? Those considering expensive travel can find sufficient coverage with Berkshire Hathaway Travel Protection that meets a variety of needs, including coverage for Covid if needed. 

Standout benefits:  Berkshire Hathaway's top-tier LuxuryCare Travel Insurance includes coverage for up to 150% of the trip cost for trip interruption coverage and $100,000 of medical expense coverage.  

Best for cancel for any reason coverage 

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Who's this for?  For those wanting the option to cancel for any reason (CFAR), Allianz Travel Insurance plans offer lots of different options, including CFAR add-ons.  

Standout benefits:  Allianz's Cancel Anytime upgrade can reimburse up to 80% of non-refundable trip costs for almost any unforeseeable reason not already covered by the policy. That's higher than most other CFAR coverage, which generally covers 70% to 75% of non-refundable trip costs. It's only available on the brand's OneTrip Prime and OneTrip Premier policies.  

More on our top Covid travel insurance companies 

Axa travel insurance  .

AXA offers three travel insurance plans starting at $16. Its silver plan, the lowest tier of coverage, offers high limits for emergency medical expenses at $25,000 and up to 100% of trip costs for trip interruption coverage. Many policies now include epidemic-related covered reasons.

CFAR coverage available?    

Yes, up to 75% of prepaid, nonrefundable trip costs 

24/7 assistance?   

[ Return to summary ]

Nationwide Travel Insurance 

Nationwide offers travel insurance plans for single trips, multi-trips and cruise-specific plans. The company has an A+ rating for financial strength from rating agency AM Best, and its most basic single trip and cruise plans offer a high limit of $75,000 of medical coverage.  

Berkshire Hathaway Travel Protection  

Berkshire Hathaway's travel coverage can be tailored towards the specific needs of cruise and luxury travelers, with options for higher coverage limits for medical coverage and trip interruption benefits.  

Yes, up to 50% of prepaid, nonrefundable trip costs 

Allianz Travel Insurance 

Allianz Travel Insurance stands out for those who want cancel for any reason coverage, as the percentage reimbursed is higher than other travel insurance providers we reviewed. For traveling families, the company's OneTrip Prime plan also offers free coverage for children ages 17 and younger with a parent's coverage.  

Yes, up to 80% of prepaid, nonrefundable trip costs through the optional Cancel Anytime upgrade 

Does travel insurance cover Covid?  

Travel insurance generally covers Covid-19 as it would any other illness. While fear of catching an illness isn't a cause for cancellation under most policies without a cancel for any reason (CFAR) add-on, being diagnosed with Covid-19 right before or during your trip could qualify you for cancellation, interruption or travel delay coverage.

As with any insurance coverage you're considering, read your travel insurance policy carefully to understand what it does and doesn't cover.  

What does travel insurance cover?  

Travel insurance can cover your trip expenses if you're unable to go due to an unforeseen, covered reason or face an illness or injury during your trip. It can also help in the event that you lose your bags or face delays in your itinerary. 

Bottom line  

If you find yourself coming down with Covid before or during a trip, travel insurance could help you recoup funds from a lost trip or cover medical bills while you're abroad. Look for a travel insurance plan with strong medical coverage and flexible cancellation options. 

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Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best travel insurance.

Our methodology  

To determine the best Covid-19 travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on their Covid policies, and medical and evacuation coverage limits. 

While narrowing down the best travel insurance companies, we focused on Covid-19 coverage, availability of cancel for any reason coverage, and the limits of emergency medical coverage and emergency medical evacuation coverage. We also considered factors like whether 24-hour assistance was available, Better Business Bureau ratings, and financial strength ratings from AM Best .

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

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How do you choose travel insurance that covers COVID-19?

Oct 26, 2021 • 5 min read

COVID-19 has made it more important to check the health coverage on your travel insurance © Maskot/Getty Images

After 18 months of pandemic-related travel restrictions, you may be itching to act on your pent-up wanderlust⁠⁠—but the situation and the rules are still continuously evolving. So before you go anywhere, it’s best to have a travel insurance plan that protects the investment you’ve made in a long-awaited trip.

A robust travel insurance plan will reimburse pre-paid trip costs and non-refundable deposits if you have to cancel or interrupt your trip, encounter trip delays, experience baggage loss or require medical expense and medical evacuation. Your policy will also reimburse “covered reasons” in your plan, such as death, illness or injury, serious family emergencies, unplanned jury duty, military deployment, acts of terrorism, or your travel supplier going out of business.

But COVID-19 has added an additional checklist to your usual insurance needs⁠—it’s now important to check to ensure your travel insurance plan includes coverage for COVID-19 medical expenses, and losses related to illness. Your policy should also cover quarantine costs if you need to self-isolate after testing positive for the virus.

What do I look for in COVID-19 insurance coverage?

When you’re shopping for a travel insurance plan that covers COVID-19, you need to do your research and read the fine print of your plan. 

Look for a travel insurance product that will protect your non-refundable, prepaid expenses if you have to cancel your trip due to illness caused by COVID-19. Your policy should also cover emergency medical treatment and emergency medical transportation. With regard to COVID-19 coverage, be sure your policy covers medical care, medicine, hospitalization and quarantine expenses.

“The type of coverage you should look for depends on you, your needs, travel dates, and the type of trip you’re taking,” says Sasha Gainullin, CEO of battleface , a travel insurance carrier. He says some travel insurance companies have now excluded COVID-19 coverage because it has been labeled a “known/foreseeable event”, while others may exclude pandemics altogether.

“It’s important to search for plans that include medical and quarantine expenses as well⁠—this will be critical in the event you become ill and need to receive treatment while traveling,” continues Gainullin. 

One additional tip is to confirm there are no exclusions based on the destinations you’re traveling to⁠—this can happen with countries under government-issued travel warnings, Gainullin says.

“If a traveler feels uncertain, I recommend speaking with the travel insurance company directly. They can review the policy details with you, answer all of your questions, and confirm all of your required coverage options are included,” he adds.

Is getting coverage dependent on vaccination?

While it’s a good idea to be fully vaccinated before traveling, vaccination is not required to purchase a travel insurance policy, says Daniel Durazo, spokesperson with Allianz Partners USA.

What are the medical costs that are covered by travel insurance?

Travel insurance can cover the cost of both medical treatment and emergency medical transportation. A US health insurance plan, as well as Medicare, generally will not cover overseas medical expenses, so it’s best to check with your personal health insurance provider if any global coverage is available. 

“While losing the cost of a trip due to an unexpected cancellation would be painful, paying for expensive emergency medical treatment or emergency medical transportation can be financially devastating,” Durazo says.  

Under a travel insurance plan, medical costs could range doctor visits, pharmacy expenses, imaging costs and covering a hospital stay if required. Other expenses that can be covered are transportation to medical care and medicine.

Read more:  Will my health insurance cover getting COVID-19 while traveling in the US⁠⁠—or abroad?

What about covering an unexpected quarantine due to COVID-19?

Many international destinations are now requiring that visitors purchase travel insurance coverage for an unexpected quarantine. Allianz Travel Insurance has added coverage to many of its products that includes reimbursement for quarantine-related accommodations if you or a traveling companion is individually-ordered to quarantine while on their trip, says Durazo. 

This coverage typically covers the cost of additional food, lodging and transportation while quarantined. In addition, trip interruption and travel delay benefits on certain Allianz plans also provide coverage if you or your travel companion is denied boarding by your travel carrier due to suspicion of illness.

The benefits for quarantine coverage vary from carrier to carrier. For example, on select Trawick International plans, they offer $2,000 in quarantine benefits and for an additional charge, and you can increase it up to $7,000. 

What about pre-flight COVID-19 testing?

Your plan may provide coverage for flights if you are turned away at a border for not passing a health inspection. Foster says Trawick’s travel insurance plans that cover COVID-19 would cover the expenses if you could not pass your pre-health inspection.  Also, the plan would cover the costs of the failure of your PCR test to return to the United States, such as having to quarantine abroad. 

It’s important to note that the actual cost of the PCR test is not covered by your policy, just the loss associated with the negative test.

Read more:  PCR tests for travel: everything you need to know

Some destinations require COVID-specific insurance coverage⁠—how do I comply with those restrictions? 

Before any international travel, you should check the country where you are headed to make sure you comply with insurance coverage requirements. Countries like Spain, Turks and Caicos and Thailand are among the nations that mandate COVID-19 insurance coverage.

“You first must check the countries’ specific COVID regulations for entry into the country. Some countries require travelers to provide proof of travel insurance that covers COVID-19 related expenses purchased from a third party,” explains Foster. Providing proof coverage is key; so travelers need to ensure they receive documentation from their insurance provider that their policy covers COVID-19 related expenses to show customs officials, she says.

Should you arrive in a country that requires proof of insurance to cover COVID-19 medical expenses and quarantine costs, and you don’t hold a policy, you will not be granted entry.

For more information on COVID-19 and travel, check out Lonely Planet's Health Hub .

You may also like:  What happens if I'm denied entry to a country on arrival? What is a vaccine passport and do I need one to travel? What is the IATA Travel Pass and do I need it to travel?

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Is There Travel Insurance That Covers COVID Quarantine?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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

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

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

What does travel insurance usually cover?

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

Trip cancellation insurance.

Trip interruption insurance.

Trip delay insurance.

24-hour hotline assistance.

Emergency medical insurance.

Primary/secondary medical insurance.

Lost or delayed baggage insurance.

Rental car insurance.

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

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

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

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

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

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

» Learn more: Will my travel insurance cover coronavirus?

Finding insurance that covers COVID quarantine

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

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

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

Trip cancellation.

Trip delay.

Medical care/hospitalization.

Quarantine.

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

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

» Learn more: The best travel insurance companies

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

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

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

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

» Learn more: What to know before buying travel insurance

How much will COVID quarantine travel insurance cost?

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

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

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

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

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

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

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

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

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

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

Final thoughts on travel insurance that covers COVID quarantine

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Omicron and Travel: So, Now Do I Need Trip Insurance?

In light of the new variant, is extra protection warranted for things like flight and lodging cancellations and quarantine hotels? It depends. Here’s what you need to know.

• Share full article

By Elaine Glusac

While the pandemic has depressed travel, it may have encouraged travel insurance, say those in the industry.

“The biggest question we get from customers is: ‘What happens if I get Covid during travel and what if I have to quarantine?’” said Jeremy Murchland, the president of Seven Corners , a travel insurance management company. “Covid has created a much broader awareness of travel insurance.”

But will it help you in light of the new Omicron variant, which has already led to new travel restrictions and requirements? In the early days of the pandemic, travel insurance largely failed to protect travelers who wanted or needed to cancel as the world shut down. The following are answers to common questions about travel insurance now.

Does travel insurance cover Covid-19, including the new Omicron variant?

For the most part, yes, travel insurance policies now treat Covid-19 in all its variants — including Omicron — like any other medical emergency.

“Consumers should know that most travel insurance plans with medical benefits now treat Covid like any other illness that you could contract while traveling or that could prohibit you from going on your trip,” said Carol Mueller, a vice president of Berkshire Hathaway Travel Protection . “If you become ill before your trip, you’ll need a doctor’s note confirming your illness and that you are unable to travel in order to be eligible for benefits. The benefits are the same regardless of whether you contract Omicron, another variant of Covid or any illness for that matter.”

Buyers should read the policies carefully and look out for those that exclude pandemics, Covid-19 and its variants. To make a claim, you must have had travel insurance before becoming ill.

“We always say, you can’t buy auto insurance after you’ve already had an accident,” said Meghan Walch, the product manager of InsureMyTrip , an insurance sales site. “It is designed for unforeseen issues. You have to purchase it before an event.”

I am traveling internationally. If borders close because of Omicron, am I covered through travel insurance?

No, most policies do not cover you if your foreign destination closes its borders to visitors, as Israel did recently. With a few exceptions, that also goes for a government-issued travel warning to a destination, which is generally not a covered reason to make a claim.

Given the added uncertainties of Omicron, should I consider a ‘Cancel for Any Reason’ policy?

Cancel for Any Reason, or C.F.A.R., provisions would allow you to claim some of your nonrefundable costs if you decide not to go on a trip for any reason, including border closures or fear of contracting Covid. The rub is that this form of insurance — in addition to being more expensive — must generally be purchased within a few weeks of booking the trip and will only return 50 to 75 percent of nonrefundable trip costs.

“Most travel insurance policies do not cover you for wanting to cancel out of fear of Covid. We say this 10 times a week,” said Sarah Groen, the owner of the agency Bell and Bly Travel . She counsels clients to consider their worst fears — illness, for example, or quarantine — in troubleshooting travel insurance. “We’ve become like therapists,” she said.

What about quarantine and medical expenses?

Make sure the policy you choose covers these. In the case of medical coverage, check with your regular health insurer; many policies will not cover you abroad, which is an additional reason to consider coverage if you are traveling internationally.

“What travel insurance can do is cover additional hotel stays if you are able to self-quarantine and additional airfare when you’re able to come home,” said Megan Moncrief, the chief marketing officer for Squaremouth , a travel insurance sales site. She added that most policies will extend to seven days past your originally scheduled return date, effectively covering only about seven days in case of quarantine.

Do some destinations require travel insurance?

Yes, primarily to cover medical care or quarantine accommodations in the event that a traveler tests positive for Covid-19. For example, Singapore requires medical insurance with a minimum coverage of 30,000 Singapore dollars, or about $22,000. Fiji requires travel insurance to cover potential treatment for Covid-19, and makes it available from about $30. Some destinations, such as Anguilla , recommend rather than require travel insurance. InsureMyTrip.com has a page devoted to countries that require travel insurance.

It bears thinking about what it would take to get home for treatment should you contract Covid-19 abroad. Thailand, for example, requires travelers to have medical insurance with the minimum coverage of $50,000. “Evacuation out of Thailand would be higher,” said Sasha Gainullin, the chief executive of Battleface , a travel insurance start-up that unbundles benefits. In the case of a Thailand trip, he advised taking medical coverage up to $100,000 for treatment locally and $500,000 for medical evacuation and repatriation.

Do I need insurance if I have bookings with flexible cancellation policies?

Probably not, if you have hotel reservations that allow free cancellation 24 to 48 hours in advance. The same with flights; if your flight is changeable and will provide a voucher or refund in case of cancellation, you’re covered.

I have rented a house with restrictive cancellation penalties. Can I insure against those?

Yes. Vacation home rentals from Airbnb and the like can be treated just like other accommodations that do not offer refunds. In this case, you would want to get a policy in the amount you would forfeit if you had to cancel for a covered reason like illness. Again, fear of travel is not a covered reason; for that, you would need C.F.A.R.

Elaine Glusac is the Frugal Traveler columnist. Follow her on Instagram: @eglusac .

Follow New York Times Travel on Instagram , Twitter and Facebook . And sign up for our weekly Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your next vacation.

An earlier version of this article misstated the timeframe within which it is recommended that Cancel for Any Reason travel insurance be purchased. It is generally within about two to three weeks of booking the trip, not one or two days.

How we handle corrections

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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Warnings and insurance

This travel advice covers Israel and the Occupied Palestinian Territories (OPTs).

Your travel insurance could be invalidated if you travel against advice from the Foreign, Commonwealth & Development Office (FCDO).

Areas where FCDO advises against travel

FCDO advises against all travel to Gaza.

Areas near Gaza

FCDO advises against all travel to the area close to the border with Gaza that includes:

• south-west of Ashkelon
• south of route 35 and west of route 40 as far as Tlalim, not including Be’er Sheva
• west of Be’er Sheva
• north of route 211

The West Bank

FCDO advises against all travel to the West Bank, excluding East Jerusalem and Route 1 between Jerusalem and Tel Aviv.

Northern Israel

FCDO advises against all travel to:

• within 5km of the border with Lebanon – the Israeli military has announced that the area is a closed military zone and entry into the area is prohibited
• the Sheba’a Farms and Ghajjar
• within 500m of the border with Syria (the ‘Alpha Line’)
• Beit Hillel
• Even Menachem
• Granot Ha’Galil
• Ramot Naftali
• She’ar Yeshuv

The rest of Israel and the OPTs

FCDO advises against all but essential travel to the rest of Israel and the OPTs .

Find out more about why FCDO advises against travel .

Conflict in Israel and the OPTs

On 7 October 2023 there was a large-scale terrorist attack by Hamas in southern Israel. Hamas continues to launch rockets into Israel and the Israeli Defence Forces are conducting significant military activity in Gaza.

There is also increased military activity by the Israeli Defence Forces around Gaza, within the West Bank and on Israel’s northern border.

There are continued exchanges of rocket and small arms fire over Israel’s northern border with Lebanon and a potential increase in rocket attacks and other incidents of violence across Israel and the OPTs , including the West Bank.

We recognise this a fast-moving situation that poses significant risks. The situation has potential to deteriorate quickly and without warning. This could disrupt air and road links out of the country. If your reason to remain in Israel and the OPTs is not essential you should consider leaving if it is safe to do so.

If you are in an area affected by the fighting, follow the instructions of Israeli Home Front Command. To find these:

• visit the Israeli Home Front Command website (available in Israel only)
• call 104 if you are in Israel

The Israeli government has declared a state of emergency across the whole country. International borders (air and land) in Israel and the OPTs could close at short notice. Check the travel advice for any neighbouring country that you are planning to travel to or through.

Before travelling within Israel or  the OPTs , check the local measures in place, that roads are open and, where appropriate, that scheduled train and bus services are operating.

Monitor this travel advice and other media as the situation is changing fast. Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also get email notifications when this travel advice is updated.

Read FCDO advice if you’re affected by a crisis abroad .

Travel within or out of Israel or the OPTs is at your own risk. You are encouraged to follow the advice of local authorities, for example on which routes are open or when to take shelter.

Travelling to Egypt from Gaza

The Rafah border crossing continues to be open for controlled and time-limited periods to allow specific groups of foreign nationals, including British nationals, to cross. It is for the Egyptian and Israeli authorities to determine who is permitted to cross, and when. The Egyptian Ministry of Foreign Affairs will contact embassies to let them know when their foreign nationals can cross. Should we receive notification from the Israeli and Egyptian authorities that individuals are permitted to cross, we will notify those people individually.

If you are a British national in Gaza who wants to leave Gaza, you should make contact with us as soon as possible.

If you are a UK visa holder who meets all of the following criteria, you can contact us to request support to leave Gaza:

• you have a spouse/partner or a child aged 17 or under currently living in the UK; and
• you hold valid permission to enter or remain in the UK for longer than 6 months

Contact FCDO by calling:

• +44 176 766 7600 (UK number)
• +972 (0)3 725 1222
• +972 (0)2 541 4100

Movement to the Rafah crossing and beyond is at your own risk, and dependent on the permission of the Egyptian and Israeli authorities. You should only travel if you judge it is safe to do so. Check the Egypt travel advice .

Help and support in Israel and the OPTs

Contact your travel provider and insurer.

Contact your travel provider and your insurer. They will tell you if they can help and what you need to do.

Help from FCDO in Israel and the OPTs

Consular support is severely limited where FCDO advises against travel.

If you need consular assistance call:

Help from other organisations 

Keep up to date with local travel advice through local news outlets and international outlets like the Access Coordination Unit .

Concern for friends and family

If you are in the UK and concerned about a friend or family member who is in Israel or the OPTs call FCDO on 020 7008 5000. 

Before you travel

No travel can be guaranteed safe. Read all the advice in this guide and any specific travel advice that applies to you:

• women travellers
• disabled travellers
• LGBT+ travellers
• solo and independent travel
• volunteering and adventure travel

Travel insurance

If you choose to travel, research your destinations and get appropriate travel insurance . Insurance should cover your itinerary, planned activities and expenses in an emergency.

About FCDO travel advice 

FCDO provides advice about risks of travel to help British nationals make informed decisions. Find out more about FCDO travel advice .

Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also sign up to get email notifications when this advice is updated.

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

U.S. coverage alert Opens another site in a new window that may not meet accessibility guidelines.

Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

Get a quote Opens another site in a new window that may not meet accessibility guidelines.

Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

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

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

• Entering, Transiting and Departing

• General Entry Requirements
• Visa Requirements
• Submit SG Arrival Card
• What you can bring
• Transfer of Remains for Cremation / Burial to Singapore
• Public Health Requirements
• Yellow Fever Vaccination Certificate
• Clearance Procedure for Travellers
• Clearance Procedure for Sea Crew / Pleasure Craft owners
• Cargo and Postal Article Requirements
• Taking Cash In and Out of Singapore
• Woodlands and Tuas Checkpoints Traffic Updates
• Three-Quarter Tank Rules for Departing Vehicles
• Driving In and Out of Singapore
• Use of QR Code for Immigration Clearance at Woodlands and Tuas Checkpoints
• Retrieve e-Pass Record
• Check the End of Your Stay
• Advice for Singapore Citizens Travelling Abroad/Returning to Singapore
• Child Born Overseas
• APEC Business Travel Card
• Apply for Overseas Automated Clearance
• Renunciation of Singapore Citizenship
• Check Re-Entry Permit Validity
• Renunciation of Permanent Residence
• Check if You Need an Entry Visa
• Seek Extension of Visit Pass
• Report Loss of Foreign Passport
• Delivering a Child in Singapore
• Tourist Refund Scheme
• Automated Clearance Initiative

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

Editor's Note

Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

There isn't one answer that fits every traveler or situation. So in this guide, we'll explore some aspects you should consider, and I'll discuss my take on this topic. Let's dive in so you can make an informed decision for yourself.

Travel insurance you can buy

At a high level, you can pay a relatively small premium (compared to the total cost of your trip) to buy a travel insurance policy that may provide reimbursement or coverage for unexpected issues that affect your trip.

Many different types of protections fall under the term "travel insurance." Standard, comprehensive insurance policies typically include broad coverage across various potential issues.

But there are also policies that offer specific coverage. For example, it's possible to purchase travel insurance that only provides medical protection for international travel (such as GeoBlue ). Likewise, you can also purchase policies that allow you to select the protections you need (such as the build-your-own option with American Express Travel Insurance ).

We've previously compared the best travel insurance policies and providers . So, check out that guide to find the provider and policy that fits your needs best. You can also check a travel insurance aggregator to compare different policies quickly.

Most travel insurance policies exclude any loss incurred due to a preexisting medical condition. However, many policies include a process to obtain a waiver of the preexisting condition exclusion if you meet specific requirements. These requirements typically include purchasing the policy shortly after the first nonrefundable trip payment or deposit and being medically able to travel when you buy the policy. Some companies also require you to insure your trip's full, prepaid, nonrefundable cost to be eligible.

Likewise, all travel insurance policies have several exclusions. For example, most plans exclude medical benefits for injuries during adventure activities such as skydiving or skiing outside maintained trails.

Related: 7 things to look out for when buying travel insurance, according to an expert

Credit card travel protections

Some cards don't provide any special travel protections. But, many of the best travel rewards cards offer travel protections. Here's a look at our guides about some of the most common credit card travel protections:

• Trip delay reimbursement
• Baggage delay reimbursement
• Trip cancellation and interruption insurance
• Travel accident and emergency evacuation insurance

Check out our guide to the best cards that offer travel protections for more details on what card might be best for you. I also recommend reading the guide to benefits for your specific cards, as these documents will detail exactly what protections you can expect when you purchase travel with your card.

Note that some benefits require you to enroll — and virtually all require a formal claim process, with no reimbursement guarantee.

Related: Getting credit card travel insurance to cover the change fee on my Disney cruise

When to purchase travel insurance

Even if you have a credit card that offers travel protection, you may still want to purchase travel insurance for some trips. Here are some scenarios and trips for which it may make sense to purchase travel insurance.

Travel protections aren't offered

As discussed above, not all travel credit cards provide extensive travel protections when you book travel using the card. So, if you're using a card without travel protections or a card that only offers limited travel protections, you may want to purchase travel insurance .

Related: The best credit cards for booking flights

Some travelers aren't covered

Just because a card offers travel protections doesn't mean everyone traveling with you will be covered. In particular, travel protections usually only extend to select relatives of the cardholder. Your credit card's travel insurance may not cover friends, employees and all relatives.

Related: Who is covered by your credit card travel insurance?

Adventure activities

If you plan to partake in an activity that most insurance policies exclude, you may want to purchase a travel insurance policy that explicitly includes your activity of choice.

For example, many policies exclude adventure sports like base jumping, sky diving, free soloing, diving, mountaineering and paragliding. You may want to consider purchasing insurance from an association involved in your adventure activity, such as Divers Alert Network (DAN) if you're a diver or German Alpine Group (DAV) if you partake in alpine sports.

You're concerned about preexisting conditions

Most credit card trip interruption and cancellation insurance benefits exclude cancellations or interruptions caused by a sudden recurrence of a preexisting condition. So, you'll want to purchase travel insurance — and ensure you satisfy the provider's preexisting condition exclusion waiver conditions — if you want trip cancellation and interruption insurance that covers preexisting conditions.

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

Nonmedical evacuation insurance

If you want evacuation insurance for nonmedical reasons, you should purchase travel insurance that offers this coverage even if you have a credit card with evacuation insurance .

Read the benefits guide closely, as evacuation benefits may not cover every evacuation you might need. For example, some policies don't cover evacuation from an area with a travel warning when you booked your trip or evacuation from a place suddenly inaccessible due to a landslide or other environmental incident.

Related: A Medjet medical transport membership is different from travel insurance

Cancel for any reason

Suppose you are uncertain whether you'll be able to take your trip, and you're worried that applicable credit card trip protections won't reimburse you if you decide to cancel or interrupt for a reason that isn't covered. In that case, you may want to purchase cancel for any reason trip insurance .

Related: 6 truths and myths about cancel for any reason travel insurance

You want peace of mind

Some travelers prefer to buy travel insurance — for each trip or via an annual travel insurance plan — for the peace of mind that having a travel insurance policy brings. Especially given the issues travelers have faced with a specific credit card insurance provider , it may be worth buying a travel insurance plan if you don't feel confident your credit card travel insurance and individual health insurance will combine to provide enough coverage during your trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

When credit card travel protections may be enough

Suppose you don't fall into any of the categories above and use one of the best credit cards with travel insurance when making travel purchases. In that case, you may determine that credit card protections are enough for some (or all) of your trips. However, I only recommend relying on credit card protections if you also have health insurance that will provide adequate coverage at your destination.

Below is a collection of reasons you can rely on credit card protections instead of purchasing independent travel insurance. If some (or most) of these reasons apply to your trip, it may be reasonable for you to rely on credit card protections instead of buying travel insurance:

• You have personal health insurance that will cover you on your trip, even if treatment is out of network at your destination
• You book your trip with a credit card that provides travel insurance
• You have a credit card that provides medical evacuation benefits during your trip
• You make refundable travel plans that you can cancel for little or no fee
• You tend to change your plans frequently or book travel at the last minute
• You have an emergency fund that can cover unexpected expenses if needed
• You have airline miles or transferable points you can use to leave the area or return home if needed.
• You avoid especially high-risk activities and destinations

The decision of whether to buy travel insurance is complex and personal. If you don't feel confident that your credit card protections and individual health insurance will provide adequate coverage, it's likely worth buying travel insurance.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

Why credit card travel insurance is usually enough for me

After researching the best travel insurance policies and providers , I purchased travel insurance for one specific trip because I wanted political evacuation coverage.

But for most of my trips, credit card protections and individual health insurance provide enough coverage for me. After all, my travel usually looks like the following:

• My flights are often award flights that I can cancel and redeposit free of charge — or ones that carry minimal change and cancellation fees
• My lodging can almost always be canceled without a penalty until shortly before my stay
• If I book a tour or activity, it's usually within a few days of said tour or activity (or offers free cancellation)
• My health insurance provides out-of-network coverage outside the U.S., so travel insurance would only pay for my deductible. In addition, my out-of-pocket maximum for out-of-network care is low enough to cover using my emergency fund
• I book flights and pay for the taxes and fees for award flights using the Ink Business Preferred® Credit Card , which provides excellent travel protections for a $95 annual fee card
• I have ample airline miles and transferable points that I can use to cover last-minute one-way flights if needed

As you can see, the benefits of purchasing travel insurance would be minimal for most of my trips. The travel protections I use most are trip delay protection and baggage delay protection , both of which the Ink Business Preferred Credit Card provides when I use it to pay for my flights.

Related: Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

Bottom line

As you book trips, you may wonder whether you should purchase travel insurance. One way to decide is to consider whether you'd be adequately covered without purchasing travel insurance if the worst happens.

If you're willing and able to cover the costs in this situation — or you feel confident you'd be adequately covered by your credit card's travel protections and health insurance — then you may want to proceed without buying travel insurance. Otherwise, I recommend purchasing a travel insurance policy shortly after you make the initial payment for your trip.

Campus Break-in

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Daily Kickoff

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AIPAC No. 2 Elliot Brandt to lead group as next CEO

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On the Hill

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arms arguments

House seeks to force israel weapons transfers in state department funding bill.

ON THE HILL

House subcommittee proposes $305 million for nonprofit security grants for 2025.

Bannon bash

Bannon attacks haley and calls for pro-israel conservatives to rally behind trump.

Cardin criticism

Cardin ‘disappointed’ by house republicans’ icc sanctions bill, israel to launch travel authorization program for foreign visitors.

The new system is similar to those used in the United States, Canada and Australia

Photo by Nir Keidar/Anadolu via Getty Images

TEL AVIV, ISRAEL - APRIL 14: Passengers at Ben Gurion Airport wait after Israel closed its airspace to all domestic and international flights and canceled flights in the wake of Iran's attack on Israel last month.

Israel is set to launch a travel authorization program for foreign visitors to the country, beginning with a pilot program starting on Saturday for travelers arriving from the U.S. and Germany.

The program, which is similar to those used in the U.S., Canada and Australia, will require non-Israeli passport holders traveling to the country to obtain electronic travel authorization (ETA-IL) – through israel-entry.piba.gov.il – before setting off on their trip.

In a statement this week, Israel’s Population and Immigration Authority said the new program was aimed at improving security, immigration and general services. 

The ministry said it would “help the authorities to obtain information about the passenger before he or she even boards the plane, and if a problem arises that prevents him or her from entering Israel, the passenger will be referred to the Israeli embassy in his or her country of residence.”

“It will prevent any unpleasant surprises for passengers who land at the border and are refused entry,” the statement said. 

Israel’s Ministry of Tourism also explained that the new system would speed up online confirmations and “allow for a simplified, stress-free entry process through electronic check-in machines when visiting Israel.”

Over the past two years, as Israel slowly reopened its borders following the COVID-19 pandemic, tourists arriving at Ben Gurion International Airport near Tel Aviv had been subjected to lengthy waits at passport control, while Israelis with biometric passports could whiz through using electronic scanning machines.

The ministry said that starting on July 1, travelers from all visa-exempt countries will be able to take advantage of the pilot program, and from Aug. 1, the new system will be instituted as the new entry protocol for all incoming travelers from visa-exempt countries. 

Once approved for travel through the system, visitors will be permitted to stay in Israel for up to 90 days and the authorization will remain valid for up to two years, or until the passport used to apply for the ETA-IL has expired.

The ministry also emphasized that during the pilot phase June 1-July 31, the $7 application fee will be waived.

“As a tech-forward county, streamlining the entry process with the new online ETA-IL application is a natural progression,” said Eyal Carlin, commissioner of tourism to North America in Israel’s Tourism Ministry. “It will allow for smoother arrivals and more time for travelers to enjoy all Israel has to offer.”

“While we are currently in a challenging time, we encourage those with an interest in visiting the country to take note of the new entry process as they continue their travel planning,” he said.

Israel first announced that it would be implementing a travel authorization system for all foreign visitors, including U.S. citizens, last year as it was in the final phase of applying for the U.S.’ coveted Visa Waiver Program (VWP).

In September 2023, after more than three decades of attempts, Secretary of Homeland Security Alejandro Mayorkas and Secretary of State Tony Blinken announced that Israel’s application to the  VWP had been successful. On Nov. 30, the country was fully incorporated into the Electronic System for Travel Authorization (ESTA), allowing Israeli citizens to apply for visa-free travel to the United States for tourism or business purposes for up to 90 days.

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I canceled my airline tickets months ago, so where’s my money?

After john bernath canceled his flight from amman, jordan, to tel aviv, israel, a booking.com representative promised him a full refund. so, why hasn’t he received anything.

Q. Last year, I bought two round-trip flights from Amman to Tel Aviv through Booking.com . The tickets on Royal Jordanian Airlines were refundable. In November, I called to cancel my tickets and spoke with a Booking.com representative, who said I would get my money back — minus a cancellation fee of about $16 — in about two weeks.

Two weeks later, there was no sign of the money. I called Royal Jordanian Airlines, and they referred me back to Booking.com . I called back and reached out to someone on the “advanced” support team. A representative promised to call me back within 72 hours, but I never heard from anyone.

I called a month later and spoke with another representative who gave me a different reference number to contact their customer service by phone. But it failed to get me access to Booking.com . Without the correct number, you can’t even gain access to an agent or an operator.

Advertisement

The Booking.com website showed my tickets as “canceled” with a refund due of $16. But I paid $589 for them. After 11 weeks of contacting both Royal Jordanian Airlines and Booking.com , I’m still no closer to receiving a refund. Can you help me get my money back?

JOHN BERNATH, Lake Worth, Fla.

A. You should have had your refund months ago. So, what’s going on?

My first clue was the refund status from Booking.com . It suggested that you were only due a $16 refund — what appears to be a cancellation fee — on your ticket. I thought you had misread the terms of your ticket and that it was nonrefundable.

But then you showed me the ticket, and indeed, it was refundable.

I’ve seen this before. I call it “the crisis refund problem.” When there’s a big incident that triggers a wave of cancellations — 9/11, a pandemic, or an armed conflict — an airline will get overwhelmed with cancellation and refund requests. These delays can be extended for months or even years. Your delays appear to have been caused by the conflict in the Middle East.

Is there a way to expedite a refund? Yes. You can reach out to the executive contacts at Royal Jordanian Airlines or Booking.com . (I publish both on my consumer advocacy site, Elliott.org .) The Jordanian Civil Aviation Authority has consumer protection provisions that are similar to Europe’s, but I could find no requirement stating that the airline needs to issue a refund within a certain amount of time. In other words, it’s up to you to keep the pressure on the airline and its travel agent, Booking.com .

Even with a deluge of cancellations, Royal Jordanian should have been able to process your refund within 11 weeks. And even if it didn’t, you were doing business with Booking.com , so it should have stepped up and returned your money.

My advocacy team contacted Booking.com on your behalf. A representative got back to me and said that it had processed a refund. “The funds should appear in the customer’s account within three to five business days,” she added. And sure enough, they did.

Christopher Elliott is the founder of Elliott Advocacy ( elliottadvocacy.org ), a nonprofit organization that helps consumers solve their problems. Email him at [email protected] or get help by contacting him at elliottadvocacy.org/help/ .

• Credit Cards
• Best Travel Credit Cards

19 Best Travel Credit Cards Of June 2024

Expert Reviewed

Updated: Jun 5, 2024, 11:04am

For anyone who travels enough to have a travel savings account, like I do, credit cards are a valuable resource toward booking and paying for your trip. The rewards can offset a huge portion of your out-of-pocket expenses, and the best cards often pay for themselves both in savings and avoided headaches.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

• 113 countries visited
• 5,500 hotel nights spent
• 93,000,000 miles and points redeemed
• 29 loyalty programs covered

Best Travel Rewards Credit Cards

• Chase Sapphire Preferred® Card : Best Travel Credit Card for Beginners
• Capital One Venture Rewards Credit Card : Best Flat-Rate Rewards Credit Card for Travel
• Wells Fargo Autograph Journey℠ Card * : Best Travel Earnings Without a Portal
• Bank of America® Premium Rewards® credit card : Best Card for Bank of America Preferred Rewards Members
• Chase Freedom Flex℠ : Best Intro APR Travel Card
• American Express® Green Card * : Best Travel Card for Varied Spending
• Capital One Venture X Rewards Credit Card : Best Premium Travel Rewards Card
• Chase Sapphire Reserve® : Best Travel Credit Card for International Travel
• The Platinum Card® from American Express : Best Travel Rewards Credit Card for Lounge Access
• American Express® Gold Card : Best Travel Rewards Earning for Foodies
• Aeroplan® Credit Card : Best Airline Rewards Program for International Travel
• British Airways Visa Signature® Card : Best for British Airways Passengers
• United Quest℠ Card : Best United Credit Card
• United Club℠ Infinite Card : Best Premium Airline Card
• IHG One Rewards Premier Credit Card : Best Midrange Hotel Card
• The World of Hyatt Credit Card : Best Travel Credit Card for Hyatt Loyalists
• Wyndham Rewards Earner® Plus Card * : Best for Road Warriors
• Marriott Bonvoy Boundless® Credit Card * : Best for Marriott Customers
• Hilton Honors American Express Surpass® Card : Best Credit Card for Hilton Travelers
• Best Credit Cards Of 2024
• Credit Cards With Travel Insurance
• Best Hotel Credit Cards
• Best Credit Card For Lounge Access
• Best No-Annual-Fee Cards For Travel
• Best Airline Credit Cards

Best Travel Cards with a Low Annual Fee

Best travel credit card for beginners, chase sapphire preferred® card.

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all Read More

Welcome Bonus

75,000 bonus points

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

I jumped at the chance to get the Chase Sapphire Preferred® Card when it was first launched. More than a decade later, I’m still a loyal cardholder. It’s the ideal starter card for someone dipping their toe into travel rewards and I’m living proof you may never need to upgrade. Cardholders earn valuable Chase Ultimate Rewards® points for access to transfer partners or for easy, no-strings-attached redemptions through Chase Travel℠. There’s no foreign transaction fee and a wide selection of travel insurances.

Why We Like It

For a modest annual fee of $95 (which can be partially offset with an annual $50 hotel credit) you get a rare mix of high rewards rates and redemption flexibility.

What We Don’t Like

The highest earning rate requires making reservations through Chase Travel℠, which doesn’t include direct bookings or online travel agencies.

Who It’s Best For

Travelers who want to earn transferable points without a steep annual fee.

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections
• No intro APR offer
• Best travel earning rates are only for bookings through the Chase Travel portal
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Best Flat-Rate Rewards Credit Card for Travel

Capital one venture rewards credit card.

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One Entertainment Read More

Earn 75,000 bonus miles

19.99% - 29.99% (Variable)

Casual travelers who don’t plan to carry a balance will find good value in the Capital One Venture Rewards Credit Card‘s earnings rates ( rates & fees ). And if you appreciate the skip-the-line perks of TSA PreCheck® and Global Entry as much as I do, you’ll be grateful for the up to $100 credit toward program fees.

You can earn double miles on every purchase and can access transfer partners without ponying up a triple-digit annual fee.

Expect dialed-back benefits compared to more premium travel cards. You’ll still enjoy select trip protections along with no foreign transaction fee. Keep in mind that you’ll want to redeem for travel bookings or transfers to partner programs (cash back redemptions are often not the best value).

Cardholders who want to earn travel rewards at a flat rate.

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee ( rates & fees ).

• Solid rewards rate
• Global Entry or TSA PreCheck® statement credit (up to $100)
• No foreign transaction fees
• Miles are easy to redeem either via partner transfers or by applying against travel purchases
• $95 annual fee
• No introductory APR on purchases or transfers
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Best Travel Earnings Without a Portal

Wells fargo autograph journey℠ card *.

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points Read More

60,000 bonus points

21.24%, 26.24% or 29.99% variable APR

We love that the Wells Fargo Autograph Journey℠ Card * bestows you with strong earning rates on travel without requiring you to book through a card’s portal. Go ahead and book directly with your preferred airline and hotel: You’ll earn 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants and 1 point per dollar on other purchases.

There’s a minimal annual fee for this card and it comes with the opportunity to earn a $50 statement credit each year when you spend $50 or more on airline purchases. That’s a bargain travelers will love.

For now, there’s a limited number of transfer partners, which means you’ll have fewer redemption options than what some other issuers provide.

We think this card is a perfect fit for travelers who like to book trips directly, especially if they’re looking for cash-back rewards rather than travel transfers.

Wells Fargo has entered the premium card market with its highly anticipated Autograph Journey card which offers accelerated points earnings on airfare, hotels and restaurants. It’s also the newest card to offer the option to redeem points by transferring them to travel partners.

• Solid welcome bonus
• High rewards rates on travel and restaurants
• Annual statement credit for airfare
• Limited everyday bonus rewards
• Few transfer partners
• Charges an annual fee
• Earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months of account opening – worth up to $600 toward your next trip
• Earn unlimited 5 points per dollar spent on hotels, 4 points on airlines, 3 points on other travel and restaurants and 1 point on other purchases
• Earn a $50 annual credit with $50 minimum airline purchase
• Cell phone protection against damage or theft, subject to a $25 deductible
• Complimentary 24/7 Visa Signature® Concierge

Best Card for Bank of America Preferred Rewards Members

Bank of america® premium rewards® credit card.

Up to 2X Reward Rate

Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Earn 1.5 points for every $1 Read More

60,000 points

21.24% - 29.24% Variable APR on purchases and balance transfers

Good, Excellent (700 - 749)

The Bank of America® Premium Rewards® credit card won’t turn heads unless you’re a Preferred Rewards member with substantial account balances at Bank of America. But if you are, watch your rewards grow at amazing rates.

I have no problem earning $100 in statement credits annually for airline incidental charges, my favorite perk of the card. And while it won’t be relevant to everyone, some Bank of America account holders could earn an incredible 25-75% more in rewards on every purchase.

The standard earning rate on this card isn’t notable. You’ll earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases.

This card stands out for someone who already qualifies for Preferred Rewards, or is willing to move banking balances to Bank of America and their partners accordingly.

The best travel credit cards make it easy to earn back the annual fee every year, and the Premium Rewards credit card is one of those. It’s also a rewards powerhouse for Bank of America Preferred Rewards customers.

• No foreign transaction fee
• TSA PreCheck® or Global Entry fee credit
• Visa Signature concierge benefit
• Flexible reward redemption options
• High penalty APR
• High balance transfer fee
• High standard APR and cash advance APR
• No airport lounge perks
• Low $95 annual fee.
• Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best Intro APR Travel Card

Chase freedom flex℠.

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Read More

20.49%-29.24% Variable

I don’t automatically think of the Chase Freedom Flex℠ as a travel card, but it’s a great everyday card that also rewards you generously for bookings made through Chase Travel℠.

In addition to the welcome offer and ongoing rewards this card offers, new cardholders can also take advantage of a 0% introductory APR to help pay off their travel expenses: 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

Rewards are initially made available as cash back. If you want to transfer your rewards to partnering airlines and hotels, you’ll also need to hold an Ultimate Rewards card that offers that feature.

The Freedom Flex requires a little more hands-on management to earn in its quarterly bonus categories, so it’s a better fit for someone willing to stay on top of details.

Kudos to Chase for always keeping the rotating categories relevant on the Freedom Flex. From Amazon to PayPal and Starbucks to Walmart, you’re almost guaranteed to find at least one quarter every year (or even several) where the 5 bonus points roll in with almost no effort. Just don’t forget to activate the categories every quarter.

• No annual fee
• Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Travel rewards rate rivals some of the best premium travel cards
• Generous rewards rate in several other categories
• Travel bookings must be made through Chase Travel℠ to earn 5% cash back
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best Travel Card for Varied Spending

American express® green card *.

Up to 3X Reward Rate

Earn 3X Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. Earn Read More

Earn 40,000 points

See Pay Over Time APR

Excellent/Good (700 - 749)

When you don’t want to limit your earnings only to travel charges, check out the American Express® Green Card * . It offers elevated rewards on dining and local transit, too.

Cardholders have access to annual statement credits for CLEAR® Plus and LoungeBuddy charges, which can easily exceed the cost of the card’s annual fee.

Amex isn’t always accepted overseas, which could be a major issue for international travelers, if they don’t have a backup card.

This is a great midrange card that has access to American Express Membership Rewards®, making it a good choice for someone who doesn’t want the high cost of a Gold or Platinum card.

Occasional travelers who want to be treated like VIPs will find that the Amex Green card has an ideal set of perks. The $100 annual LoungeBuddy credit is just enough to cover airport lounge access a few times a year, and the CLEAR credit provides expedited access through TSA security at major airports across the country. Put them together and it’s a perfect balance of benefits for infrequent flyers at a relatively low annual fee.

• Flexible redemption and points transfer options
• High rewards rate on dining, travel and transit
• Mediocre base rewards rate
• Limited features and perks
• No balance transfer option
• Earn 40,000 points after spending $3,000 on purchases in the first 6 months
• Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
• Earn 1 point per dollar on all other eligible purchases
• $189 CLEAR® Plus and $100 LoungeBuddy credits
• Trip delay insurance

Best Premium Travel Cards

Best premium travel rewards card, capital one venture x rewards credit card.

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollar Read More

Excellent (750 - 850)

The Capital One Venture X Rewards Credit Card ( rates & fees ) is packed with extras that put it firmly in competition with other upscale credit cards. Just as important, the easy earnings structure is ideal for anyone who doesn’t want to stress over details.

Its annual fee is easily recouped through an annual $300 credit for bookings through Capital One Travel and 10,000 bonus miles after your anniversary, which makes the perks feel almost free. A Priority Pass membership also provides value, giving you access to 1,300+ lounges worldwide.

The flat-rate earnings mean that if you have high spending in a single category, you might be better off with a different card.

Travelers who want premium benefits and are willing to book through Capital One Travel, at least once a year.

If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits can run close to $700 a year, the Venture X is nearly half that. And you’ll still get Capital One and Priority Pass airport lounge access for you and your eligible guests, an annual travel credit and solid earnings on everyday purchases.

• Annual fee lower than others in its category
• Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
• Miles are easy to earn and easy to use
• Lack of domestic airline and upscale hotel travel partners
• Capital One lounge network in its infancy
• Lack of hotel status benefits
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best Travel Credit Card for International Travel

Chase sapphire reserve®.

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Read More

22.49%-29.49% Variable

Earn superior points rates if you spend frequently on travel and dining out with the Chase Sapphire Reserve® . Its greatest selling point, though, is the awesome list of 1:1 transfer partners. There’s also best-in-market travel insurance benefits and no foreign transaction fee. Plus, as a Visa card , it’s also widely accepted worldwide, so if you travel at least a couple times per year, this card deserves serious consideration.

Cardholders can make up for a chunk of the annual fee with the $300 annual travel credit, a Priority Pass Select airport lounge membership and up to a $100 credit every four years to cover your Global Entry, TSA PreCheck® or NEXUS application fee, all of which make far-flung travel easier to bear. The travel protection benefits have personally reimbursed me more than $1,000.

There’s an extra fee to add an authorized user to your account.

Anyone looking to take advantage of built-in travel insurance protections.

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

• $300 annual travel credit is incredibly flexible
• Generous welcome bonus
• Get 50% more value when you redeem points for travel through Chase
• Points transfer to valuable airline and hotel partners
• High annual fee
• High variable APR on purchases
• Excellent credit recommended
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best Travel Rewards Credit Card for Lounge Access

The platinum card® from american express.

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly Read More

Earn 80,000 points

Good,Excellent (700 - 749)

The Platinum Card® from American Express  is destined for frequent travelers who intend to fully leverage the rich set of travel benefits. Trust me when I say the perks can make you feel like a VIP. The staggering annual fee for this classic status card won’t be worth it for everyone, but in the right hands the expense can be well justified.

Lounge access with this card extends beyond the Priority Pass membership you see on other premium cards. Plus, if you’re looking for a giant welcome bonus to get things started, the Platinum Card certainly shakes things up.

Many of the perks are very specifically applied and may require enrollment. Examples include statement credits toward Uber, Saks Fifth Avenue, select digital entertainment, select hotel stays and airline incidental fees.

Cardholders who will track and maximize the long list of member benefits.

Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business-class seats on more than 20 airlines, as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. for any of those premium cabins.

• High reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment
• Very high annual fee
• Maximizing the statement credits takes some work and could be impractical for many
• Reward rate outside of travel is sub-par for a premium card
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best Travel Rewards Earning for Foodies

American express® gold card.

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points at Read More

Earn 60,000 points

Foodies and travelers can leverage the American Express® Gold Card  to the hilt, earning up to 4 points per dollar. The annual fee may seem intimidating—I get that. But my household comes out ahead by taking advantage of the card’s dining credits and rotating Amex Offers. It’s an appealing option for anyone who wants to redeem travel rewards but doesn’t spend enough on flights or hotels to require elevated earning categories on travel itself.

The grocery earnings on this card are impressive and rare for a travel card. For someone who wants to transform everyday expenses into a vacation, this card seamlessly blends the experience.

The Amex Gold provides dining credits valid at GrubHub and more plus Uber Cash, but you’re required to enroll and credits are dished out monthly rather than in an annual lump sum.

Cardholders with high spending on food expenses.

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to 5 authorized users for no additional annual fee
• Can choose from regular or rose gold versions
• No lounge benefits
• Limited options to carry a balance
• High APR for pay over time feature
• High pay over time penalty APR
• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.

Best Travel Cards for Airlines

Best airline rewards program for international travel, aeroplan® credit card.

Up to 3x Reward Rate

Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Read More

Earn 70,000 points

21.74% - 28.74% Variable

Many people—myself included—might be tempted to overlook this card that seems geared toward Air Canada passengers. But the Aeroplan® Credit Card recently caught my eye for its strong earning potential and the option to redeem miles for award flights on partner airlines, of which there are dozens.

This card allows you to earn quickly and stretch your miles far. Cardholders may also have access to reduced-price award flights.

Learning the ins and outs of Aeroplan rewards requires a little extra attention. And if you’re drawn in by the automatic status benefits, keep in mind that maintaining status after your initial benefit requires spending $15,000 on the card in a calendar year.

Savvy travelers who mostly fly internationally.

Chase and Air Canada’s co-branded Aeroplan Credit Card will serve as an excellent companion for frequent flyers of Star Alliance and its carriers from United to Lufthansa as you earn valuable Aeroplan points. Maximize your Aeroplan points and redeem for flights and hotels through an extensive partner network. Enjoy additional points-earning opportunities in key everyday categories.

• Excellent rewards earning
• Travel benefits including perks for Air Canada flyers
• Lacks non-travel-related benefits
• Earn 70,000 bonus points
• Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.

Best for British Airways Passengers

British airways visa signature® card.

Earn 85,000 Avios.

British Airways’ Avios reward currency is looked down upon by lots of travelers, but the British Airways Visa Signature® Card offers value, if you know where to look.

This card makes it even easier to lock in a deal, thanks to flight discounts, statement credits toward award flights and the chance to earn a Travel Together Ticket.

Many British Airways redemptions have really high fees associated with them, which takes some of the fun out of booking award flights.

Travelers who fly British Airways annually or more often.

Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world for both one-way or round-trip flights.

• Generous rewards on eligible flights
• Potential to earn a companion ticket
• Lucrative welcome bonus
• Rewards rate poor outside of Avios-earning airlines
• Subject to Chase’s 5/24 rule
• No checked baggage or lounge perks
• Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
• Pay no foreign transaction fees when you travel abroad.
• Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!

Best United Credit Card

United quest℠ card.

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all Read More

Earn 60,000 bonus miles

21.99% - 28.99% Variable

Good/Excellent (700 - 749)

Frequent United Airlines customers will appreciate that the United Quest℠ Card comes with an annual $125 United credit, rewards on travel and dining and travel protections such as primary car rental coverage and trip cancellation insurance.

This card rewards your loyalty. You can earn award flight credits after renewing the card and booking eligible award flights with your miles. You’ll also earn 25 Premier Qualifying Points for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQPs, in a calendar year.

The annual fee on the United Quest is more than double the average airline card.

United flyers who aren’t interested in committing to an ultra-premium card.

Don’t let the card’s annual fee scare you off. Even if you’re not a frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

• $125 annual United purchase credit
• Earn up to two 5,000-mile award flight credits annually
• Two free checked bags for cardholder and a companion traveling on the same reservation
• Earn up to 6,000 Premier Qualifying Points annually
• Primary auto collision damage waiver for eligible rentals
• Checked baggage benefit only applies to one companion
• Earnings for general purchases are only 1 mile per dollar
• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Premium Airline Card

United club℠ infinite card.

Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel and Read More

Earn 80,000 bonus miles

United’s top-tier card ties up the whole package. A suite of travel perks makes the United Club℠ Infinite Card a compelling value, with the United Club membership alone worth more than the annual fee. If I flew more often, I’d be tempted by the ability to earn Premier Qualifying Points for eligible charges.

The most prominent benefit is access to United Club airport lounges and other Star Alliance Gold lounges. You’ll also receive two free checked bags for yourself and another person traveling on the same reservation, expedited check-in, security screening and boarding, expanded access to award flights and Premier Upgrades on award tickets, if you have status.

Many loyal customers may already have elite status with United, making the included Premier Access benefits redundant.

United flyers who want airport lounge access when traveling.

If reaching a higher status with United is a priority, the United Club Infinite all but guarantees it, as long as the card is used regularly. Cardholders also enjoy frequent seat upgrades (depending on route and availability) plus always-free United Club access. But these perks come with a hefty price tag.

• United Club membership is worth more than the annual fee
• First and second checked bag free when you pay for your flight with your card
• High regular APR
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Travel Cards for Hotel Points

Best midrange hotel card, ihg one rewards premier credit card.

Up to 26X Reward Rate

Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points per Read More

Earn 140,000 bonus points

21.49% - 28.49% Variable

I stay at IHG properties only a few times a year, but the IHG One Rewards Premier Credit Card is a mainstay in my husband’s wallet. Get it for the benefits, not the points potential: We love the Anniversary Free Night—which alone justifies the annual fee—and appreciate the fourth-night-free feature.

High spenders are showered with extra love. You can earn statement credits, bonus points or upgraded elite status when hitting spending thresholds on the card.

The earning rates aren’t as high as they seem once you realize that IHG One Rewards are typically worth less than a penny apiece.

Travelers who stay at IHG properties one or more times per year.

The IHG One Rewards Premier blows all other mid-tier hotel credit cards out of the water with perks alone. You don’t even have to use the card regularly to offset its annual fee every year.

• Earn up to 26 points per dollar spent on IHG hotels worldwide
• Free night award every account anniversary
• Fourth night free on point redemption stays
• Automatic Platinum Elite status
• Poor earnings for everyday and non-category hotel purchases
• Low overall point value
• No worthwhile redemption options outside of IHG properties
• Earn 140,000 Bonus Points
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Best Travel Credit Card for Hyatt Loyalists

The world of hyatt credit card.

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you use Read More

Up to 60,000 Bonus Points

21.49% - 28.49% variable

While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you’re a regular at Hyatt, a combination of high redemption values, sweet perks and one free night per year easily covers the annual fee and then some.

The card comes with five qualifying night credits, but cardholders can earn more through card spending to work their way up the elite ladder.

The automatic Discoverist elite status for cardholders is, frankly, uninspiring.

Hyatt enthusiasts looking to earn extra points and work toward status.

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

• Annual free night certificate on cardmember anniversary
• Complimentary World of Hyatt Discoverist status
• High points redemption values
• Limited number of properties
• No worthwhile redemption options aside from Hyatt properties
• Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Best for Road Warriors

Wyndham rewards earner® plus card *.

Up to 6X Reward Rate

Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; Earn Read More

100,000 bonus points

20.99% - 29.99% variable

Excellent/Good Credit (700 - 749)

The Wyndham Rewards Earner® Plus Card * offers solid hotel benefits and earning rates for travelers—especially road trippers, thanks to gas rewards and properties that line the interstates.

Guests have access to discounts on both paid and award stays with Wyndham-family hotels. Cardholders are also boosted to Platinum status for upgrades and extras while traveling. And high spenders get an additional reward on top of all this: You’ll earn 7,500 bonus points each anniversary year.

Wyndham Guest Rewards don’t always provide outsized value, which puts your earning rates in perspective.

This card is an obvious choice for regular Wyndham travelers who can take advantage of the discounts and bonus points.

Wyndham loyalists will enjoy the array of perks and benefits offered by the Wyndham Earner Plus card. By providing complimentary PLATINUM loyalty status, this card is primed to ensure an enhanced experience at Wyndham’s 9,000+ properties.

• Automatically receive Wyndham Rewards Platinum elite status
• Enjoy extra discounts on local attractions when booking “Go Free” awards
• APR can be high, depending on your creditworthiness
• Target and Walmart only earn 1 point per dollar spent
• Only hotel redemptions offer good value
• Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of account opening. Resort fees may apply
• Earn 6 points per $1 spent on hotels by Wyndham and gas purchases
• Earn 4 points per $1 spent on dining and groceries (excluding Target and Walmart)
• Earn 1 point per $1 spent on all other purchases
• Receive Wyndham Rewards PLATINUM membership, which includes early check-in, car rental upgrades and more
• Receive 7,500 bonus points each anniversary year

Best for Marriott Customers

Marriott bonvoy boundless® credit card *.

Earn 6 points for every $1 at participating Marriott Bonvoy hotels, 3 points for every $1 spent each year (up Read More

Earn 3 Free Night Awards

Overwhelmed by all of Marriott’s credit card options? So am I. The Marriott Bonvoy Boundless® Credit Card * is the best value for most customers, given a robust set of perks and rewards potential without an eye-popping annual fee.

The Free Night Award, provided each year after renewal, is valued at 35,000 points and can be topped off if you prefer an upgraded stay.

If you currently hold a Marriott-branded credit card, you may not be eligible for this one. Choose your card wisely before applying!

Marriott Bonvoy members looking for a little extra without a high annual fee.

The card’s free award night perk alone makes the card worth a spot in any traveler’s wallet. The option to combine the certificate with up to 15,000 points to get more flexibility for your annual stay is a nice touch.

• Free night certificate every year (valued at 35,000 points)
• 15 Elite Night Credits per year
• Automatic Silver Elite status
• Stingy earnings structure
• Earn 3 Free Night Awards after spending $3,000 on purchases in the first three months of account opening
• Earn 6 points per dollar on qualifying Marriott Bonvoy hotel stays
• Earn 3 points per dollar spent on the first $6,000 spent in combined purchases each year on groceries, gas stations, and dining
• Earn 2 points per dollar spent on all other purchases
• Points don’t expire as long as you make purchases on your credit card every 24 months

Best Credit Card for Hilton Travelers

Hilton honors american express surpass® card.

Up to 12X Reward Rate

Earn 12X Hilton Honors bonus points on eligible purchases at participating hotels or resorts within the Hilton portfolio; Earn 6X Read More

Earn 130,000 bonus points

20.99%-29.99% Variable

For a midrange card, you’ll enjoy fabulous on-site perks with Hilton just for being a Hilton Honors American Express Surpass® Card  member. You’ll have automatic Gold status without any spending or earning requirements.

The elite status is significant, but so are the points. The Surpass is known for its sizable welcome offer and strong earnings on Hilton spending. There’s hotel savings, too: You can earn statement credits when using your card to pay for a Hilton stay, up to $50 per quarter (that’s $200 per year).

Though some other hotel credit cards dole out free night certificates like candy, you have to earn one with the Surpass. It takes $15,000 in annual eligible spending for a free night reward.

Unsurprisingly, this card is best for someone who travels with Hilton throughout the year. The quarterly statement credits mean you’ll need to stay often to maximize that benefit.

The Hilton Surpass is a great fit for Hilton fans who don’t want to pay a high annual fee to earn points and status with their favorite hotel chain. The card’s complimentary Hilton Gold elite status and Free Night Reward after spending $15,000 on the card in a year are nice perks and the up to $200 in credits for purchases at Hilton properties each year are more than enough to offset the card’s entire annual fee on their own.

• Complimentary elite Gold status
• Up to $200 back annually on eligible Hilton purchases
• 4 points per dollar on U.S. online retail purchases
• Points have a low redemption value aside from Hilton properties
• Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
• Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $150 annual fee.

Here's a Summary of the Best Travel Credit Cards

Methodology.

Forbes Advisor considered dozens of airline, hotel and flexible-rewards credit cards to create this list of the best travel credit cards. The primary factors taken into consideration for all types were:

• Estimated annual earnings—25% to 50% depending on card category
• Welcome bonus—15% to 25% depending on card category
• Travel benefits—15% to 25% depending on card category
• Annual fee—5% to 15% depending on card category
• Consumer benefits—0% to 10% depending on card category
• Foreign transaction fee—0% to 5% depending on card category

Hotel earnings rate was weighted 25% for hotel credit cards and airline earnings rate was weighted 15% for airline credit cards.

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

Read more: How Forbes Advisor rates credit cards

Complete Guide to Travel Credit Cards

What is a travel credit card, how do travel credit cards work, types of travel credit cards, co-branded travel cards vs. general travel cards, pros and cons of travel credit cards, how many travel credit cards should i have, how to compare travel credit cards, evaluating airline credit cards, evaluating hotel credit cards, how to maximize credit card points for travel, how to travel for free with credit cards.

• Travel Rewards Cards in the News

Are Travel Credit Cards Worth It?

Frequently asked questions (faqs).

A travel credit card is a card that earns rewards on travel. Rewards may be earned in the form of airline miles, hotel points or flexible points that can be transferred to partners or applied towards travel charges.

Many travel credit cards also come with additional benefits such as free checked bags, priority boarding, elite status, access to airport lounges and even discounts on hotels or rental cars. Some cards offer welcome bonuses when you meet an initial purchase threshold, which can provide a nice cache of points or miles to help you start redeeming for valuable rewards. The best travel cards also charge no foreign transaction fees, which means there is no extra charge from the credit card company to make purchases abroad.

A travel rewards credit card accrues miles or points for each purchase made with the card. Every card has a different earning and redemption structure.

• A co-branded card , like one labeled with Marriott or Southwest, will earn rewards in the specifically named travel brand.
• General travel cards may instead earn flexible bank points, like those you see with Chase Ultimate Rewards® or American Express Membership Rewards® .

Here’s how credit card points and miles work:

1. Earn rewards when you make purchases. Nearly all purchases on a card will earn rewards at the rate specified by the card. Rates may vary based on the type of purchase.

2. Rewards are deposited into your account. Most cards update your rewards balance once per month, after your billing statement closes. On co-branded cards, travel rewards are typically deposited into your existing airline or hotel account automatically. On general travel cards, you’ll most likely have a bank of points where rewards pool.

3. Consider your reward options. Airline and hotel point values often are variable, which means that the value of a point may fluctuate depending on the specific redemption. Before you make a redemption, ensure that you’re happy with the value of your specific reward.

4. Make a redemption. Once you’ve chosen a redemption option, you’ll need to follow the specific direction to request your reward. Depending on the type of redemption, you might request this through your card issuer through their travel portal or your preferred travel partner.

There are many other intricacies to redeeming miles and points , so if you’re not confident on all your options, you’ll want to review the opportunities from your program before committing to a redemption.

Not all travel credit cards are alike. Here’s how the various types break down, so you can choose which type of rewards card is best for your unique circumstances.

Transferable Rewards Credit Cards

These types of credit cards earn rewards that can be transferred to other programs, like airline or hotel loyalty programs. Transferable rewards include Capital One Rewards , Bilt Rewards , Brex Rewards , Chase Ultimate Rewards® , American Express Membership Rewards , Wells Fargo Rewards and Citi ThankYou® Points .

Airline Credit Cards

Airline credit cards earn miles that can be used to redeem for future purchases with that airline. You can also use that airline’s miles to book flights on partners, which may yield more award opportunities. Some common airline credit card extras may include free checked baggage, priority boarding, a TSA PreCheck® or Global Entry application fee credit and airport lounge access. If you’re able to max out these extras, the perks can often be worth more than the annual fee.

Hotel Credit Cards

With hotel cards, you’ll earn rewards in the hotel’s currency, like Marriott Bonvoy points , Hilton Honors points or World of Hyatt points , which are redeemable towards any eligible hotel property under that brand’s umbrella. Some cards also confer automatic elite status upon ownership, which comes with benefits that can range from late check-out to free breakfast to room upgrades. Additionally, many cards also offer one night free annually every year you renew your card membership, as well as other perks such as airport lounge access.

Fixed-Value Credit Cards

Credit card points may often have a fixed-value when redeemed for things like cash back or travel, where the issuer publishes the cash value per point. For example, a card may offer a value of a penny per point when redeemed for any valid travel purchase. Fixed-value points currencies can also vary by redemption type. For example, points on a card might be worth 1.5 cents each when redeemed for travel rewards, but only be worth 1 cent each when redeemed for cash back.

Business Credit Cards for Travel

If you’re traveling for work and you want to keep your business expenses separate from your personal expenses, a travel business credit card may be worth considering. Business credit cards for travel function the same as consumer credit cards for travel, although the business versions often offer different earning rates and perks, as well as a different annual fee structure.

A co-branded card generally makes sense if you tend to stay loyal to that brand when you travel. Using a co-branded card can fast-track you towards elite status with a hotel or airline and often comes with other valuable benefits. If you’d prefer to fly any airline you choose and stay at any hotel brand you’d like, a general travel card is likely a better choice for your needs.

What You Get With General Travel Credit Cards

With travel credit cards, the level of benefits will most likely be associated with the annual fee. A premium card might come with airport lounge access, travel protections including trip cancellation and delay insurance and exclusive privileges at luxury hotels. A midrange card might still offer auto rental insurance and a Global Entry or TSA PreCheck® benefit . Even a card with no annual fee might offer some basic benefits depending on the card.

What You Get With Co-branded Travel Credit Cards

A co-branded travel card will offer benefits specific to that brand. For airline cards, you might see a checked bag benefit or a discount on in-flight purchases. For hotel cards, you might see a status level, a free annual night award or anniversary points. Both types of cards might offer you the ability to spend towards higher levels of status.

To learn more about the best co-branded credit cards, see our guides below:

• Best Southwest Credit Cards
• Best American Airlines Credit Cards
• Best Delta Credit Cards
• Best United Credit Cards
• Best Hyatt Credit Cards
• Best Marriott Credit Cards

Ask an Expert

Is it better to choose a flexible travel rewards card or one branded to a specific airline or hotel?

Yanely Espinal

Credit Cards Expert

Clint Proctor

Credit Cards Lead Editor

Becky Pokora

Credit Cards Writer

If I had to choose, I’d say flexible travel rewards because it allows for much more versatility in your redemption options beyond just flights and hotel stays. But the best approach is to have both. You can maximize benefits from each card type by earning rewards across all of the spending you normally do, while getting perks with your favorite travel providers at the same time.

Since I’m not particularly loyal to any airline or hotel, I prefer the flexibility of general travel cards. I especially appreciate travel cards that offer transfers to travel partners. With flexible rewards, I can access 10 to 20 or more loyalty programs from a single card. This increases my chances of being able to take advantage of the best award deals that are available for my next trip.

I love that most co-branded travel cards include benefits when booking with that brand. Free night certificates on hotel cards and free checked bags with airlines are valuable perks. Plus, even though earning a single type of point might seem limited, big hotel chains have more than a dozen brand choices and airlines may have 10 or more alliance partners, so you’ll still find plenty of versatility.

The number of travel credit cards you should have depends on how often you travel, which benefits you value, your financial situation and whether you’re willing to spend time tracking multiple cards. Frequent travelers can find value in holding at least one travel card, but may consider holding several. For example, having both an airline card and a hotel card can provide complementary benefits and the ability to earn rewards for all aspects of your travel plans.

When comparing travel credit cards, items to consider include:

• Annual fee. The annual fee on credit cards ranges from zero to several hundred dollars. In general, the more expensive the card, the richer the perks and rewards. It can be well worth it to pay an annual fee, if you’ll use the associated benefits. However, there are travel credit cards without an annual fee , if you’re more comfortable with that structure.
• Foreign transaction fee. If you’re traveling out of the country, be sure your travel card doesn’t carry any foreign transaction fees. Foreign transaction fees can be an additional 2% to 3% surcharge on top of the price of your purchase and makes everything you buy in a foreign country more expensive. Foreign transaction charges also apply to purchases made in other currencies, even if you haven’t left the U.S. The best no foreign transaction fee cards ensure you’re not paying this surcharge.
• Sign-up bonus. If you’re trying to decide between two similar cards, it can help to consider the welcome offer on a given card. Since these are one-time offers, it shouldn’t be the only thing you think about in a travel card comparison, but they can certainly offset the annual fee and/or the cost of future travel.
• Rewards rate. When choosing a card, think about your spending patterns. If you rarely fly, it may not make sense to own a card that offers the most rewards on airline purchases. Choose a card that rewards where you’ll spend most.
• International acceptance. In some countries, all credit cards may be accepted, but that isn’t always the case. When traveling outside of the United States, Visa and Mastercard tend to be more widely accepted than American Express or other cards. Because of this, if you travel often, you may want to choose a Visa or Mastercard either in addition to or in lieu of other types of cards.
• Travel protections. Many travel credit cards include various forms of travel protections, such as trip interruption coverage or collision damage waivers for rental cars. These included protections could save you money compared to separately purchased policies, but won’t necessarily be as comprehensive. If you travel often, it might be worth specifically seeking out the best credit cards with travel insurance or the best credit cards for car rental insurance .
• Perks. Also consider any special perks when you compare credit cards. These might range from airport lounge access to statement credit reimbursements for certain purchases made with select brands or on purchases in specific categories.

Airline credit cards typically earn frequent flyer miles on every purchase. Co-branded airline cards also frequently come with perks while traveling, like free checked bags, enhanced award space or lounge access. They may also help you achieve elite status more easily.

When evaluating the best airline credit cards , think about:

• Earning rates. Many airline credit cards don’t offer elevated earnings on categories other than airline spending, so you’ll need to choose carefully if that’s important to you.
• Perks while flying. Typically, only cards with an annual fee include benefits while flying such as priority boarding or complimentary checked bags.
• Elite-qualifying bonuses. Some cards include bonus elite-qualifying miles when hitting spending thresholds, which can further enhance your flying experience.
• Companion fares. Some airline cards offer the opportunity to earn a companion certificate, which allows you to bring a second traveler on your trip for a reduced price.

Additionally, redeeming frequent flyer miles can be more complicated than requesting cash back or other types of rewards. Though using miles for award flights can lead to tremendous value, you’ll need to learn the ropes of the program.

Hotel credit cards earn points toward future free stays, but this is one case where the benefits can often outshine rewards. More often than not, hotel cards come with automatic elite status, as well as a fast track to even higher levels of status. Plus, annual free night certificates or statement credits add even more to their value proposition.

Many hotel loyalty programs offer multiple co-branded cards to choose from, making it even more important to compare the characteristics of an individual card. It’s not uncommon for a single hotel brand to offer a no-annual-fee card, a mid-tier card and a premium card—each with different earning rates and benefits.

When evaluating hotel credit cards, consider:

• Elite status offers. Generally speaking, cards with higher annual fees may automatically bump you to higher elite status levels, which can be invaluable for frequent stays.
• Free night certificates. Many, but not all, hotel cards offer free night certificates either upon renewal of your card or when hitting spending thresholds. Each certificate may come with restrictions on when or where you can redeem it, so compare fine print.
• Earning rates. Hotel cards may offer huge multipliers on bonus categories, allowing you to earn five to 10 times on certain purchases. However, keep expectations in check: Hotel points may not be worth a full penny per point.
• Statement credits. Some cards may include statement credits toward eligible purchases made at hotels and resorts or even on airline fees or restaurant purchases, which can be valuable, but you’ll need to actually use them.

The best way to make the most of your credit card is to use a card that aligns with your spending patterns.

• Choose a card that offers bonus points in spending categories meaningful to you
• Credit card pairings can maximize your earnings by pooling points from two or more cards that have different bonus categories
• Use your credit card instead of cash or debit when possible

Airline and Hotel Rewards Loyalty Programs

Understanding how to get the most out of the points and miles you earn from your travel credit card goes hand-in-hand with using the loyalty programs offered by most airlines and hotel brands. It’s free to join and you can belong to as many loyalty programs as you like. Typically, when you sign up for a co-branded credit card affiliated with a particular brand, you’ll automatically become a member of the loyalty program if you aren’t already.

Track Your Credit Card Points and Miles Earnings

Tracking your spending allows you to make sure that every time you make a purchase, you’re using the card that earns the most rewards. This means knowing which card to use in which scenario based on how a particular merchant codes the purchase . For example, if you own two credit cards, one that earns high rewards on dining and one co-branded airline card, it might not make sense to use the airline card to pay your restaurant tab since the dining card likely earns more rewards. You can do this by various methods as complicated as creating a spreadsheet or as simple as putting stickers on each card to remind you when to use it.

How To Use Credit Card Points for Travel

Beyond earning rewards, there are strategies to get the most value when it comes time to redeem your rewards, too. When you’re ready to cash in your travel rewards, there’s generally two ways to do it. You can plan the itinerary you want and use your rewards to fully or partially off-set the cost. Or, you can research to see where the rewards you have can be used to get the most bang for your buck. Now, American Express is making it easier for some cardmembers to redeem miles for flights due to a partnership with Point.me .

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Travel with credit card points can save you a lot of money on travel compared to paying full price. A combination of welcome bonus offers and the rewards you earn from everyday spending can add up to hundreds of dollars in value toward free travel. However, you’ll need to learn the rules of your specific program to maximize travel points and get the most possible value

Included statement credits or card benefits can also help you travel for free. Premium credit cards may offer annual credits toward the purchase of select travel, effectively serving as a rebate. Alternatively, you might have airline companion certificates or hotel free night certificates, which work more like a coupon.

Travel Rewards Cards In the News

It’s hard to imagine there’s a need for even more travel credit cards, but a few new cards have launched recently providing even more options for frequent flyers. Qatar Airways launched two new credit cards and Avianca Airlines has a waitlist for their forthcoming card . These are more niche programs that won’t appeal to everyone, but advanced miles gurus will appreciate the new opportunities these cards present.

Study: Many Americans Don’t Want To Pay Credit Card Annual Fees

Many travel rewards cards come with premium benefits—but premium fees to match. While some people find this a fair trade, the vast majority of Americans aren’t interested. According to a survey for Forbes Advisor in May 2024, 38% of respondents prefer no-annual-fee credit cards , regardless of the potential perks. When consumers do consider paying credit card annual fees, the lower the better.

Some of the most rewarding travel cards come with triple-digit annual fees, but not all of them. There are fantastic mid-range choices with annual fees of $99 or less—and they often include benefits that are worth double or triple that cost if you travel a few times a year. However, don’t shy away from travel cards completely even if you’re set against annual fees. The best no-annual-fee travel cards offer fantastic rewards without the out-of-pocket cost.

Generally speaking, yes, travel credit cards are worth it —if you’ll use the benefits. Travel rewards credit cards can be a strategic addition to your finances, if you travel with any regularity. You’ll be able to earn rewards on every purchase and later redeem those rewards toward future trips—often at a higher yield than cash back. Many travel cards also include benefits to enhance your travel experience along the way to add even more value.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To view rates and fees for The Platinum Card® from American Express please visit this page . To view rates and fees for American Express® Gold Card please visit this page . To view rates and fees for Hilton Honors American Express Surpass® Card please visit this page .

What is considered travel for credit cards?

Each issuer’s definition of purchases or categories may vary slightly, but categories likely to be included by any issuer include airfare, hotels, rental cars and cruises. For example, Chase offers a fairly wide definition of travel including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways and parking lots and garages all considered travel eligible for rewards.

Even if your purchase would typically count toward a category, it’s worth noting that merchants are usually responsible for the categorization. So if the merchant you purchase from isn’t categorized correctly, your transaction likely won’t earn rewards.

Is it a good idea to use a credit card when traveling?

Paying by credit card can be a smart idea while traveling since it offers additional protections compared to paying with cash or debit card. You might also earn rewards on your purchases by paying by card. Before traveling internationally, check to see whether or not your credit card charges a foreign transaction fee. If it does, every transaction will cost you a little extra (usually around 3%). The best travel cards don’t charge this fee.

What is the easiest travel credit card to get?

Most travel credit cards require good to excellent credit scores. However, generally speaking, travel cards with no annual fee are typically easier to be approved for than the ultra-premium travel cards with high annual fees.

What is the best credit card with travel insurance?

Forbes Advisor’s best credit cards for travel insurance list has a variety of cards offering solid travel insurance. Although you shouldn’t get a credit card for this feature alone, it can be a useful money-saving extra. Credit cards that offer travel insurance tend to have high annual fees, so keep this in mind when weighing whether or not you are likely to use the feature.

What is the best card for international travel?

Many credit cards are well suited for international travel. You want to make sure that the card has no foreign transaction fees . It also helps if the card’s points are suitable for the locations where you wish to travel. For instance, if you want to go to Asia, an airline card co-branded with a U.S.-based airline that doesn’t fly to Asia, like Southwest, won’t help you.

How many miles do you need for a free flight?

The number of miles you need for a free flight depends on different factors, including which airline miles you are using, your departure and arrival destination, your dates and other factors. Most domestic airlines have ditched award charts, meaning the price in miles for any flight can vary, even between flights, on the same day.

Domestic flights in the U.S. generally require fewer miles than international flights. Typically, count on spending between 5,000 and 20,000 miles for a domestic one-way economy flight. Long-haul international flights can cost quite a bit more. Plan on spending between 20,000 to 40,000 miles each way to fly to Europe in economy and even more for flights to Asia, Africa and Oceania.

Don’t forget to consider the cost of checked bags and fuel surcharges before booking your ticket. Flights booked with rewards are also often subject to government taxes and fees, which you’ll still be responsible for even when you redeem miles.

How much is a point or mile worth on travel credit cards?

Point values are as varied as the types of points themselves. Some cards’ point values are more straightforward because rates are somewhat tied to the cash prices. However, if a program uses an awards chart, the value of the point varies widely depending on how you are redeeming it. In general, you’ll get the highest value per point on premium airline seats and luxury hotel stays.

What is the difference between points and miles on a credit card?

Points and miles are effectively the same, they’re just different names for the rewards earned on a particular credit card. Some credit cards offer points, some—particularly airline cards—offer miles. But the fundamental function is the same. Rewards cards all earn a specified type of award currency based on your spending that can be used in various ways.

How should I inform my credit card company of upcoming travel?

Notifying your credit card issuer of your travel plans before you travel can help avoid denied transactions due to suspected fraud. An issuer’s system may flag a transaction as suspicious and prohibit a transaction, if it suspects your card or card information has been stolen. For this reason, issuers typically make it fairly easy to notify them when you’re headed out of town. You can notify your issuer of your travels by calling the number on the back of your card or logging onto your card issuer’s website to find the option to submit a travel notice.

Many cards do not require this step, but you can always call your card provider to be certain.

Is three credit cards too many?

As long as you can pay your bills on time and don’t charge more than intended, it’s fine to have three (or more) credit cards. Some people prefer to hold additional cards because they each have different rewards and benefits, though it requires more account management and potentially annual fees. Having additional cards can be beneficial if you ever need to suspend an account for suspicious activity, as well.

Do I have to tell my credit card company when I travel?

Most credit card issuers no longer require you to notify them before travel. In fact, Chase and some other companies have removed the travel notification tools from your online account or app. Card fraud alerts are more advanced now and legitimate transactions should post without incident.

However, you may want to be sure you have access to confirm whether or not something is suspected of fraud just in case—either by making sure your phone number has service abroad to respond to automated text messages or by downloading your card app in advance, to manage your account.

Other Credit Cards To Be Considered

• Best Business Credit Cards for Travel
• Best No Annual Fee Travel Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Wells Fargo Autograph Journey℠ Card, American Express® Green Card, Wyndham Rewards Earner® Plus Card, Marriott Bonvoy Boundless® Credit Card . The card details on this page have not been reviewed or provided by the card issuer.

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Yanely Espinal is the director of educational outreach for Next Gen Personal Finance, a nonprofit working to ensure that every high school student gets a full semester of personal finance education—including lessons in proper credit card usage—before graduation. She is often described as a ball of energy, with a gift for storytelling, and a passion for explaining credit cards and other financial concepts in a straightforward way.   While working as an elementary school teacher, Yanely decided to change her financial life by paying off $20,000 of debt in just 18 months. In 2015 she created MissBeHelpful, a YouTube channel and social media platform that now has over 5 million views, to help others learn the money skills she never learned in school. Some of her most popular videos on the channel include “5 Things to Consider When Applying for a Credit Card” and “When To Pay Your Credit Card Bill and Increase Your Credit Score.”   Her book, “Mind Your Money,” is an Amazon bestseller and was a Plutus Award finalist for Best New Personal Finance Book of 2023. She hosts Financially Inclined from Marketplace, a video podcast for teens about money lessons for living life your own way. Yanely is also a member of CNBC's Financial Wellness Advisory Council and an Advocate at the NGPF Mission 2030 Fund.  

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No medical exam life insurance explained

No medical exam life insurance vs. traditional life insurance, types of no medical exam life insurance, when no medical exam life insurance might be right for you.

• No medical exam life insurance considerations

How to shop for a no medical exam life insurance policy

What is no exam life insurance.

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• No medical exam life insurance offers quicker coverage but costs more than traditional insurance. 
• Types of no medical exam life insurance include simple issue and guaranteed issue policies.
• No medical exam life insurance is best for high-risk policyholders and those seeking lower coverage amounts.

Medical exams are among the top reasons people hesitate to buy life insurance . You imagine sitting in a doctor's waiting room, doing blood draws, standing on a scale, and many other things that make us uncomfortable. 

But it's easy to understand why life insurance medical exams remain an industry staple — an insurer must gauge its risk before it grants you a policy. Ironically, medical exams lower insurance premiums for the average life insurance customer.

Medical exams may sound overwhelming, especially if you've abandoned a life insurance application or been denied. This is where no medical exam life insurance comes in. While these policies won't force you to sit on a bench covered in paper, you're not exempt from sharing all medical information. It isn't quite that simple.

These are important components to understand about no medical exam insurance before purchasing it. 

Look at the primary differences between no medical exam life insurance and traditional life insurance. 

The application process

Traditional life insurance companies schedule buyers for paramedical exams, which take 30 minutes for the average applicant. Medical professionals take blood pressure, heart rate, and weight. Some subjects may be required to complete a treadmill test or electrocardiogram. 

Medical professionals also take blood and urine samples, which allow insurers to screen for heart disease, diabetes, cancer, HIV, and certain drugs, including nicotine. However, you can bypass that entire process by opting for no medical exam insurance. Depending on the type of policy, insurers rely on your existing medical record and responses from a basic health questionnaire. 

Because no medical exam insurance allows you to skip this often lengthy procedure, approvals for coverage tend to be faster approvals, typically taking no more than a few days. 

Life insurance companies sell four types of life insurance policies without a medical exam. Coverage, pricing, and the application process are a few of the things that vary widely. So, what are your no medical exam life insurance options?

Simplified Issue Life Insurance

Simplified issue life insurance looks to streamline the approval process. No blood tests or medical exams are required, but applicants answer basic health questions. If the answers given meet underwriting guidelines (the company uses electronic medical records to verify), you may qualify for a policy. 

Generally, these policies cover non-smokers with minimal known risk factors. However, premiums are higher, and benefits tend to be lower to account for the elevated risk.

Guaranteed Issue Life Insurance

Guaranteed issue is also commonly referred to as guaranteed acceptance. These whole life insurance plans require no medical exam or health surveys. Age limits are imposed, with most policies issued to seniors. But you are guaranteed a life insurance policy if you're within the stated age range. 

Guaranteed issue life insurance offers death benefit policies topping around $20,000 to $30,000, depending on the company. The company does not guarantee the death benefit or premiums, only the policy. So, the same policy may or may not be budget-friendly.

The company may also utilize a waiting period during which beneficiaries receive a premium refund. However, the full benefit would only apply once the waiting period passes.

Accelerated underwriting life insurance

Accelerated underwriting uses everything except the medical exam. Underwriters access applicants' public medical records and credit data. Typically, companies take applicants between the ages of 18 and 60. Regular life insurance underwriting could take weeks or even months. 

Simplified underwriting life insurance policies can be issued the same day with some online insurance providers. It is not guaranteed issuance, and licensed agents may refer some customers for a medical exam life insurance policy. However, death benefits could be higher than other no medical exam policies.

Group life insurance

Group life insurance is part of many employer benefit packages. No medical exam is required, and death benefits are typically small. More importantly, it's tied to your employment. So, if you separate from your employer, the policy will lapse. You can invest in higher death benefits by increasing your monthly deductions, but this is not required.

Fast approval needed

No medical exam life insurance typically has quick approvals, sometimes even on the same day. Consider this policy if you want to save time by skipping a medical exam. 

High-risk policyholders

High-risk applicants may not qualify for traditional life insurance policies. If you fall into this category, skipping the medical exam or the comprehensive health questionnaire may increase your chances of approval. 

People who fall into high-risk classification include but aren't limited to those who: 

• Have pre-existing health conditions  
• Work in a risky occupation (e.g., policemen, firefighters, construction workers, etc.)
• Engage in risky hobbies (e.g., skydiving, rock climbing, contact sports, etc.)
• Use tobacco products 
• Are seniors 

Smaller coverage amounts

Insurance companies take on additional risk by providing no medical exam insurance, as this policy leaves out crucial details regarding your risk profile. To offset the risk, insurers typically limit the amount of coverage you can get. 

If your coverage needs are minimal, for example, if you only need to cover end-of-life expenses, a no medical exam insurance policy may be an option.

No medical exam life insurance considerations 

Not everyone qualifies .

When it comes to eligibility, some small funeral cost policies are more flexible, especially if you have workplace life insurance. However, more sizable policies not connected to your workplace can only accept limited risk. 

That said, seniors, buyers with pre-existing health conditions, tobacco users , and other high-risk buyers may not qualify. However, whether you're eligible for no medical exam life insurance depends on the insurance company and your overall risk profile.

Underwriting requirements may still apply

How do insurance companies know who presents a more considerable risk? First, no medical exam doesn't mean your insurer won't check your medical records. Applications still include basic medical questions, and companies can rescind life insurance policies if you get caught lying on your application. 

More importantly, life insurance companies may still order a copy of your medical records. So, companies would go off your last blood tests or appointment notes if you have a history of high cholesterol, heart disease, diabetes, etc.

That being said, the underwriting waiting period can be extended as insurers gather medical data from other sources.

Limited coverage options

One thing to note is that companies only issue small life insurance policies without an exam. So, if you're looking for a $1 million policy or retirement planning options, you should make time for a short medical exam.

Potential for higher premiums

As mentioned, insurers assume an extra layer of risk by allowing policyholders to bypass medical examinations. As a result, expect higher premiums for a smaller amount of coverage. 

A workplace policy will be issued based on your employment and yearly benefit elections. If you want to find the best no exam life insurance companies , remember a few key things:

• Work with a qualified life insurance agent
• Choose a company or brokerage with medical exam options
• Compare quotes and coverage to ensure you understand what you're getting
• Be prepared for higher prices with limited death benefits
• Be honest on any health questionnaires

A no medical exam life insurance policy's simplicity may be deceiving. It takes one element out of the application process, but underwriters may pull medical records and be stricter about smoking, pre-existing conditions, age, and other common risk factors. Unfortunately, being denied by a life insurance company could make it harder to get life insurance coverage in the future.

Your agent can get a soft underwrite if you're working with a broker or company offering medical exam policies. If it looks like your application can be denied, your agent could run a medical exam life insurance application instead. 

The great thing about no medical exam policies is that many companies offer online estimates. Before you start the application process, you can compare pricing based on age, smoking status, desired coverage amount, etc.

The most important thing to remember is underwriters still consider medical history. So, when answering medical questions, answer honestly. If discrepancies arise later, leaving out details about your health may cause significant problems.

No medical exam life insurance FAQs

Not everyone can get no medical exam life insurance. Some insurers may deny coverage if your risk profile is too high or if you don't meet certain qualification requirements (i.e., age limits). 

No medical exams can benefit seniors and people with pre-existing conditions who are ineligible for the standard insurance policy. However, your insurer may deny coverage if you have severe or multiple health issues or don't meet age requirements (guaranteed issue life insurance is typically available to individuals between 50 to 80 years old).

The amount of coverage you can get without an exam depends on your policy type. However, you'll likely receive less coverage than the traditional life insurance.

Coverage limits for noo medical exams depend on the policy. According to Guardian life insurance , guaranteed issues offer minimal coverage, typically maxing out at $50,000. Simplified issue offers more coverage at $500,000. In general, policies with fewer requirements offer lower coverage limits.

Yes. Life insurance companies offering no medical exam life insurance policies take on an inherent risk. The companies still pull older medical records. But the fewer factors companies consider, the higher the risk. The higher prices and lower death benefits counterbalance the insurance company's risk.

You can often find no exam life insurance within the  group life insurance plan at your workplace. You can contact your benefits team if you have questions about the policy. In addition, we recommend talking to an insurance broker agent if you're shopping for a private plan.

No medical exam life insurance can be a good option if you only require smaller coverage amounts, you want coverage quickly, or you don't qualify for the standard life insurance policy. Buyers and agents should work together to personalize life insurance. Agents can help buyers identify an appropriate policy.

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.

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