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The Man in Seat 61

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You'll see nothing of America at 35,000 feet, come down to Earth and see world class scenery from an Amtrak train across the United States.  You can travel cross-country from as little as $236 (£188 or €220) if you book well in advance, one of the world's great travel bargains.  The USA has an excellent rail network for visitors, it may only be a skeleton network by European standards but it'll take you to almost all the towns & cities a visitor wants to see, in comfort at affordable prices.  It'll take you to many of the U.S. national parks, too.  Long-distance trains in the USA are operated by the National Railroad Passenger Corporation, better known as Amtrak, www.amtrak.com .  This page explains what you need to know to plan and book a memorable cross-country trip by train.

Train service in the USA, at a glance    See detailed map

This route map shows where Amtrak trains run.  Each of the very long-distance transcontinental routes shown in blue has one daily train, except for New York to Florida with 2 trains a day and the Sunset Limited (New Orleans-San Antonio-Los Angeles) which runs 3 times a week.  Important short distance routes (for example, Washington-New York-Boston or Los Angeles-San Diego) have regular intercity services and are shown in red.  It's easy to check Amtrak train times at www.amtrak.com , just use their online booking system.  Click here for the official large-scale Amtrak route map .

Useful country information

Cross-country by train.

The 3,000 mile journey across the United States by train is one of the world's greatest travel experiences.  It's easy, comfortable, safe, and an affordable alternative to flying.  Free route guides are available on board each train, telling you what to look out for from the window, and the scenery on many routes is world class. 

In a nutshell

The 3,000 mile coast-to-coast train ride takes 3 nights, without stopovers.

Choose from 4 or 5 different cross-country routes, each with their own character.  I explain the most scenic routes below with train times & description.  You can stop off on the way, but remember that a separate ticket/reservation is needed for each stage.

It takes one night from New York, Boston or Washington DC to Chicago where you change trains, then two nights from Chicago to Los Angeles, San Francisco or Seattle on a superb double-deck Superliner train .  You can also travel coast to coast via New Orleans , this takes an extra night as you need to spend a night in New Orleans.  Most of the trains run daily all year round, although the New Orleans-LA train only operates three times a week.

Check out the cross-country train packages at www.amtrakvacations.com , they can sort packages with tickets, private sleeping accommodations on the train, stopovers & hotels included.

If you book regular tickets online at www.amtrak.com , cross-country fares from New York to Los Angeles, San Francisco or Seattle start at just $236 in a spacious reclining seat, surely one of the world's greatest travel bargains.  A private sleeper for 1 or 2 people can be added to your booking, the extra cost is often quite hefty but the sleeper room charge includes all meals as well as tea, coffee & fruit juice throughout the trip. Amtrak's spacious trains also have cafe & lounge cars, open to both seat and sleeper passengers.  See descriptions of the trains here .

On-time performance .  Bear in mind that these trains run for over 2,000 miles, although they often arrive on time or perhaps half an hour late, they can sometimes arrive an hour or two late or more, so don't book any tight connections.  You can see how your chosen trains have performed the last few weeks using www.amtrak.com/historical-on-time-performance and you can also see real-time train positions & performance at www.asm.transitdocs.com .

Which is the best cross-country train route?

I've crossed the United States multiple times by train, using every major cross-country train except the Texas Eagle.  Each transcontinental route has its own distinctive character even if the trains themselves are the same, but one stands out as the most spectacular for both scenery & historical significance:  I recommend the California Zephyr between Chicago and San Francisco, which you can take in connection with the Lake Shore Limited between New York or Boston and Chicago, or the Capitol Limited between Washington DC and Chicago.

The California Zephyr is one of world's greatest train journeys, in around 48 hours you will leave Chicago, roll over the vast farmlands of Nebraska, cross the Mississippi, scale the Rockies out of Denver over breakfast in the diner, snake through lovely Colorado canyons, and pass through the Sierra Nevada mountains to reach Sacramento and the San Francisco Bay area.  The route covers much of the very first historic trans-continental railroad route, and there's a commentary for the most significant section.  To give you an idea of what a cross-country train ride is like on this route, see the California Zephyr page . 

However, all Amtrak's cross-country train routes are scenic, and the Southwest Chief is another favourite.  It'll take you from Chicago to Los Angeles over the Santa Fe railroad (which used to operate the famous Super Chief) , alongside the equally famous Route 66, through Navajo Indian country.  This is another amazing trip, with a chance to stop off at the Grand Canyon .

Cross-country westbound 2024

* The California Zephyr terminates in Emeryville and an Amtrak Thruway bus transfers passengers across the Bay Bridge to the Temporary Transbay Terminal in downtown San Francisco.  Tickets can be booked through to (and luggage checked through to) San Francisco Transbay Terminal as if it was a rail station.

** The Chicago-Los Angles portion only runs 3 times a week, departing Chicago on Tuesdays, Fridays & Sundays. Daily Chicago-San Antonio.

Use these times as a guide, always check current times & fares at www.amtrak.com as they change from time to time.

Cross-country eastbound 2024

* The California Zephyr starts in Emeryville.  An Amtrak Thruway bus links the Transbay Terminal in downtown San Francisco with Emeryville across the Bay Bridge.  Tickets can be booked through from (and luggage checked in at) the Amtrak station at San Francisco Transbay Terminal as if it was a rail station.

*** The Los Angles to Chicago portion only runs 3 times a week, leaving LA on Wednesdays, Fridays & Sundays.  Daily San Antonio-Chicago.

Facilities on each train

What are the trains like.

Click here to see what the trains are actually like inside & out, and to understand the sleeping-car, lounge & dining facilities.

How much does it cost?

3,000 miles coast-to-coast overland for as little at $236 has to be one of the world's greatest travel bargains!  Railpass options .

Amtrak fares are dynamic, so you'll see various prices on various dates, book ahead for the cheapest prices - these are the cheapest examples I have found.

Round trip fares are twice the one-way fare.  Children 2-12 (inclusive) travel at reduced fare, children under 2 travel free (limit one child under 2 per adult).

There's a 10% discount for seniors over 65 on some fares.  The discount applies to the base fare but not to saver fares, flexible fares, roomette/bedroom charges.

If you choose to travel in a sleeper, the premium fare column on the Amtrak website will show the total cost for all passengers travelling in a roomette or bedroom.  This is calculated as a basic fare for each passenger plus one charge covering the whole roomette or bedroom.  The roomette or bedroom cost is the same whether it's occupied by one person or two.  So a sleeper is a lot better value if there are two of you!  The two people price in the table above is the total you pay for two people sharing a roomette or bedroom.

Tip :  You can save 10% on the basic travel fare (but not on accommodation supplements) by becoming a member of the National Association of Railroad Passengers, which at the time of writing costs $35 for an individual or $50 for a family.  It can pay for itself on one coast to coast trip.  See www.narprail.org for full details and online sign-up.

Can I stop off on the way?

Yes of course, but if you want to stop off you'll need to buy separate tickets for each leg.  To book a cross-country trip with stopovers at any cities you want, simply look for the 'Multi-City' link at top right of the booking form on www.amtrak.com .  This allows you to book a trip with up to 4 segments, and of course you can book additional segments as separate bookings.  However, if you buy a through ticket at the cheapest price between an East Coast city such as New York and a West Coast city such as Los Angeles, then no, you cannot stop off, you must travel direct on your assigned trains.  Although the several hours between trains in Chicago is often time enough to climb the Sears Tower (now owned by the Willis corporation, see theskydeck.com ) and get great views over the city, it's only 5 minutes walk from Chicago Union Station!  As you can see from the fares table above, separate tickets New York to Chicago and Chicago-Los Angeles (so you can stop off in Chicago) work out about $35 more expensive than a New York to Los Angeles through ticket.

Want to stop off at the Grand Canyon?  See the Grand Canyon section

All the trains shown here offer checked baggage.  All passengers (both coach & sleeper) are entitled to check in up to 2 large items of luggage free of charge, plus an additional 2 large items for $20 each.  Maximum 50lbs (23Kg) per item, maximum total linear dimension (length + height + width) = 75".  Oversize bags (up to a total linear dimension of 100") $20 per bag.  A name and address label must be attached to each item.  Hand luggage is limited to two items per passenger, maximum 50lbs (23Kg) per item, dimensions 28" x 22" x 14".  See www.amtrak.com/baggage-policy .

You can check bags through to your final destination, so for example if you have a New York to San Francisco ticket you can check your bags in at New York all the way to San Francisco Transbay Terminal.  They will be transferred for you from train to train in Chicago and from train to bus at Emeryville, leaving you free of it until you arrive.

How to buy tickets

Option 1, buy at www.amtrak.com

Anyone from any country can buy tickets at Amtrak's own website www.amtrak.com , which sells all types of accommodation, seat & sleeper.

Booking opens 11 months in advance.  An e-ticket will be emailed to you, you can print it out or show it on your phone.

Or call Amtrak 24 hours a day on 1-800-USA RAIL.  From outside of the USA, Amtrak's international desk is + 1-215-856-7952.  Open Mon-Fri 08:30-16:00 Eastern Time.

Option 2, buy at Omio.com

Omio.com sells tickets for Amtrak seated accommodation quickly & simply, in multiple languages & currencies.  However, it can't sell sleeper accommodation.  You print out your ticket or can show it on your phone.

Let Amtrak Vacations arrange your trip

Amtrak Vacations is Amtrak's official partner for vacations, tours & packages.

Amtrak Vacations can put a package together from anywhere to anywhere to your specification, with private sleeping accommodations on the train, stopovers at cities or national parks, hotels & transfers.

They'll also do ticket-only bookings for cross-country Amtrak journeys, and you may get more help and advice if you book through them as they specialise in Amtrak's long-haul routes.  

Click here for Amtrak Vacations' cross-country packages

Lines are open 09:00-22:00 Monday-Friday & 09:00-17:30 Saturday, Eastern Time (5 hours behind the UK).

Let Railbookers arrange your trip

Railbookers are train travel specialists with offices in the UK, Australia & United States.  They can arrange coast to coast tours by train to your own specification, with trains, stopovers, hotels, transfers and (if necessary) flights all sorted.

Using a USA railpass

A USA Railpass is available covering the whole Amtrak network or just parts of it, see advice on USA Railpasses here .

See it in pictures: Cross-country by train

See an illustrated journey from New York to San Francisco on Amtrak's Lake Shore Limited and California Zephyr.

Back to top

Cross-country via New Orleans

This is the Southern cross-country route, a whole different flavour from the routes via Chicago.  Coast to coast via New Orleans takes 4 nights, making it slower than the more usual transcontinental route via Chicago, as you need to spend a night in New Orleans - but a stopover down south is hardly a burden!  For a taste of the deep south, this is the way to go.

Amtrak fares vary dynamically, so you'll see various fares on various dates, book ahead for the cheapest prices - these are just typical examples, assuming you book ahead.

Luggage arrangements .  Railpass options .   Can I stop off?

New York to Florida

Introducing Amtrak's Silver Service from New York & Washington DC to Orlando, Tampa & Miami.

Facilities on board

Silver Meteor:   Amfleet reclining seats ,  Viewliner sleeping-car , Amfleet cafe car .

Silver Star:   Amfleet reclining seats ,  Viewliner sleeping-car , Amfleet cafe car.

Luggage arrangements .

Anyone from any country can buy tickets at Amtrak's own website www.amtrak.com .  This sells all types of accommodation, seat & sleeper.

Omio.com sells tickets for Amtrak seated accommodation quickly & simply, in multiple languages & currencies.  However, it can't sell sleeper accommodation.  You just print out your ticket or show it on your phone.

Boston - New York - Washington

A fast and frequent inter-city service links Boston, New York, Newark, Philadelphia, Baltimore and Washington DC.  There are two types of train: Acela Express 150mph high-speed trains with 1st class & business class (premium fares apply) and regular trains with coach class and (in most cases) business class.  There are also services from Boston to Portland (Maine) and from Philadelphia to Harrisburg. See www.amtrak.com for times, fares and online booking, or try Omio.com .

How long does it take?

New York to Washington takes as little as 2h48 by Acela Express.

New York to Boston takes 3h30 by Acela Express.

Fares vary like air fares, with cheaper prices available the further ahead you book.  Round trip fares are twice the one-way fare.  Children 2-12 (inclusive) travel at reduced fare (except on Acela Express where there is no discount for children on weekdays), children under 2 travel free (limit one child under 2 per adult).

Luggage on Washington-New York-Boston trains:   These trains don't have checked baggage, you simply take your luggage with you onto the train and put it on the racks just as you would on any European train.  You can take 2 items up to 23Kg each, plus two smaller personal bags each up to 11Kg - pretty generous, see www.amtrak.com/baggage-policy .

Omio.com sells Amtrak tickets quickly & simply, in multiple languages & currencies.  You just print your ticket or show it on your phone.

Acela Express

Acela Express is Amtrak's very own high-speed train, reaching 150 mph on certain sections of upgraded line.  It has first class & business class, there's no economy coach class.  Premium fares apply, with no discounts for children on weekdays.

Northeast Regional trains

Cheaper but slower than Acela Express, with coach class & business class between Boston, New York, Philadelphia, Baltimore & Washington DC.

Other Amtrak routes

New york - niagara falls.

Three daily trains link New York via Albany with Niagara Falls.  Journey time is a leisurely 8 hours 30 minutes, a relaxing journey along the Hudson River Valley out of New York, past Storm King Mountain and West Point Military Academy, a very scenic route, highly recommended.  See either Omio.com or www.amtrak.com for times, fares and online booking.

New York - Toronto, Montreal (Canada)

A daily train called the Maple Leaf links New York with Toronto via Niagara Falls, and another daily train called the Adirondack links New York with Montreal via the scenic Adirondack mountains.  Both trains travel along the Hudson River Valley out of New York, past Storm King Mountain and West Point Military Academy, a very scenic route, highly recommended.  See the Train travel in Canada page for train times .

Chicago - Memphis - New Orleans

Amtrak's daily City of New Orleans links these cities, with Superliner seats, sleeping-cars, sightseer lounge and dining-car .  For times, fares and online booking, see www.amtrak.com .

Intercity trains in California

Regular trains link Los Angeles, Anaheim (for Disneyland), and San Diego.  Regular trains link San Francisco (Oakland) with Sacramento, Bakersfield and San Jose.  A daily train links Los Angeles with San Francisco (Oakland).  See either Omio.com , www.amtrak.com or www.amtrakcalifornia.com for times, fares and online booking.

Seattle - Portland - Oakland (San Francisco) - Los Angeles

Amtrak's daily Coast Starlight links these cities, with Superliner seats, sleeping-cars, sightseer lounge and dining-car .  For times, fares and online booking, see www.amtrak.com .

Portland - Seattle - Vancouver

Amtrak runs an inter-city service between these cities, see www.amtrakcascades.com - Some of these services use European-design Talgo trains.

Luggage on trains without checked baggage:   Some of these trains don't have checked baggage, you simply take your luggage with you onto the train and put it on the racks just as you would on any European train.  Generous limits apply - 2 items each up to 23Kg, plus two smaller personal bags each up to 11Kg, see www.amtrak.com/baggage-policy .

What are Amtrak trains like ?

Short distance trains come in various types, all with comfortable air-conditioned seating and often with a café car.  On the Boston-New York-Washington DC route, there is now the premium fare, 150mph Acela Express high speed train, based on French TGV technology, but running on conventional tracks.

(1)  Long distance trains in the east

Long-distance trains east of Chicago (such as the New York-Chicago Lake Shore Limited , the New York to Florida Silver Star & Silver Meteor or the New York to New Orleans Crescent , but not the Washington to Chicago Capitol Limited ) have Viewliner sleeping-cars , Amfleet reclining seat cars and an Amfleet cafe/lounge car serving snacks and drinks.  If you have paid for a sleeper, meals are included in the fare.

Amfleet reclining seats

These distinctive stainless-steel coaches have comfortable reclining seats with loads of legroom, drop-down tables & 120v power sockets for laptops & mobiles.  Drinking water is available in each coach.  Unlike in Europe, your reservation does not secure a specific seat in a specific coach, you can sit where you like once on board.  An attendant looks after each seats car, and will place a 'seat ticket' above your seat to indicate that the seat is taken.

Dining cars, cafe cars & flexible dining

Most long-distance trains have a cafe/lounge car serving hot & cold drinks and snacks, with an area with seats & tables for socialising.  The cafe/lounge car can be used by both sleeper and seats passengers.

Traditional dining-cars on all the 1-night long-distance trains east of Chicago were discontinued in 2018-2019.

Amtrak now offers sleeper passengers what it calls Flexible Dining on these trains.  Sleeper passengers are served pre-packed reheated or microwaved meals delivered to their sleeper compartments, or meals can be served in the table area of the cafe/lounge car.   The New York-Florida Silver Star and Silver Meteor retain dining-cars of the new Viewliner II type with an impressive double row of windows, but only to serve the pre-packaged Flexible Dining meals to sleeper passengers.

Latest update:   In March 2023 full dining has been reinstated on the Silver Star between New York and Florida.

Viewliner sleeping-cars

Long-distance trains in the East have Viewliner sleeping cars.  The distinctive double row of windows on these cars makes them light & airy during the day, and gives both upper & lower berths a window for star-gazing at night.  Travelling by Amtrak sleeper is a real treat.  All sleeper passengers get complimentary meals in the dining car,  and a 'coffee station' provides complimentary tea/coffee & fruit juice in the morning.  You return from dinner in the diner to find you bed made up for the night by the sleeper attendant.  A hot shower is available at the end of the corridor if you're travelling in a roomette, or en suite if you are travelling in a bedroom.  All necessary bedding, soap and towels are provided.  However, sleeper travel isn't cheap.  In Europe you can pay a small supplement for a berth in a shared couchette or sleeper compartment.  In the US, you have to pay for the whole room whether there are two of you or just one.  To give you a rough idea, some sample sleeper supplements are shown in the fares section above.   Viewliner sleeping-cars have:

(2)  Long distance trains in the west

Long-distance trains between Chicago & Los Angeles/San Francisco/Seattle/Portland, also the New Orleans-Los Angeles Sunset Limited , Seattle-Los Angeles Coast Starlight and Washington DC-Chicago Capitol Limited use impressive double-deck Superliner cars.  Superliner trains have coach class reclining seats , sleeping-cars , a dining car & an observation-lounge car .  A route guide is available free on these trains, telling you want to look out for along the way.  Watch a video guide to Amtrak Superliner trains .

Superliner reclining seats

Coach class reclining seats are spacious with lots of legroom, comparable with business class on an airliner.  Don't worry if you can't afford a sleeper, these seats recline to about 40 degrees, and are quite easy to sleep in, in fact if there is any train in the world where I wouldn't much mind not having a sleeper, Amtrak trains are the ones I'd choose.  There are 120v power sockets for laptops & mobiles at each seat, and drinking water is available in each coach.  Unlike in Europe, your reservation does not secure a specific seat in a specific coach, you can sit where you like once on board.  An attendant looks after each seats car, and will place a 'seat ticket' above your seat to indicate that the seat is taken.  You can either bring a blanket or buy an Amtrak blanket from the lounge car.  Panorama photo of Superliner coach class .

Superliner Sightseer Lounge car

On the upper deck is an observation lounge with armchairs & tables and huge windows for sightseeing.  On the lower deck is a cafe selling drinks & snacks.  All passengers can use the lounge car, whether they are travelling in coach class or in the sleepers.  You end up spending most of your day here, watching America unfold in front of you!   Seats are available on a first-come, first served basis, but it's not usually too difficult to find a seat or two free.  However, they do fill up for the most scenic sections of the journey!  See panorama of a Superliner lounge car .

Superliner dining car

Trains west of Chicago retain a proper dining-car with freshly-cooked food.  During the pandemic, the dining-car was only open to sleeper passengers, but in 2023 coach seat passengers were allowed to use the diner again on most routes.  The dining-car serves breakfast, lunch & dinner.  All the tables in a Superliner dining-car are on the top deck for great views while you eat - the kitchens are downstairs.

Meals are included in the fare if you have a sleeper, although drinks are extra.  In the sleepers, the dining-car manager comes down the train asking each passenger which sitting for lunch or dinner they'd like, and issuing table reservations.  An announcement is made at the start of each sitting. 

Note that couples and singles don't get a whole 4-seater restaurant table to themselves, you'll normally be seated with other passengers. This is a great chance to meet people, even if you're travelling solo.  Panorama photo of Superliner dining-car .

What's the food like?   The food is surprisingly good:  The Angus Steak Burger is great for lunch, for dinner the herb-roast chicken & rice is good and the garlic butter marinated New York Strip Steak is excellent.  A beer costs around $6, a half bottle of very good Cabernet Sauvignon or Merlot costs around $15.  For breakfast next morning a freshly-cooked breakfast of eggs, bacon & potatoes hits the spot.  There is also a children's menu.  Credit cards are accepted.  You can find sample menus on the Amtrak website www.amtrak.com , click 'plan' then look for 'meal & dining options'.

Since 2018, sleeper passengers on the Lake Shore Limited  (NYC-Chicago) & Capitol Limited (Washington-Chicago) get a pre-packed meal either served in their compartment or eaten in a lounge area.

Superliner sleeping-car s

Travelling by Amtrak sleeper is a real treat.  All sleeper passengers get complimentary breakfast, lunch & dinner in the dining car,  and each sleeping-car has a 'coffee station' with complimentary tea/coffee and fruit juice available in the morning.  You return from dinner in the diner to find you bed made up for the night by the sleeper attendant.  All necessary bedding, soap and towels are provided.  Superliner sleeping-cars are double-deck, with 10 very compact 2-berth roomettes and 4 larger 2-berth bedrooms on the upper deck, whilst the lower deck has another 4 roomettes, 1 family bedroom & 1 special accessible bedroom.  The bedrooms have a private shower & toilet, for roomette passengers there are toilets on both upper and lower decks, and a hot shower on the lower deck.  The gangways to the adjacent cars are on the upper deck.  However, sleeper travel isn't cheap.  In Europe you can pay a small supplement for a berth in a shared couchette or sleeper compartment.  In the US, you have to pay for the whole room whether there are two of you or just one.  To give you a rough idea, some sample sleeper supplements are shown in the fares section above.   Superliner sleeping-cars offer:

Video guide: Riding a Superliner train

The grand canyon connection.

There are two main ways to reach the Grand Canyon as part of a cross-country train trip, after you get off Amtrak's Chief at Flagstaff Arizona.  The first is to use a bus between Flagstaff and the South Rim of the Canyon, journey time 1 hour 45 minutes each way.  The other is to take a connecting Amtrak Thruway bus to the nearby town of Williams and use the historic Grand Canyon Railway to the Canyon, journey time 2 hours Williams to the South Rim.

Option 1, Flagstaff to the Grand Canyon by bus

Scheduled buses link Flagstaff's Amtrak station (which also incorporates the excellent local Visitor Centre) with the Grand Canyon's South Rim, with an 8am bus departure from Flagstaff conveniently connecting out of Amtrak's Chief from Los Angeles arriving at the Grand canyon around 1 hour 45 minutes later.  A bus returns from the Grand Canyon at 6.15pm (also at 4.15pm from March to October), arriving back in Flagstaff 1 hour 45 minutes or so later.  It can easily be done as a day trip, returning to Flagstaff in time for the evening Chief to Los Angeles, although you can of course choose to stay overnight at the hotels at the Grand Canyon.  For bus times see groometransportation.com/grand-canyon .  The bus fare is around $34 each way.

Grand Canyon Tours from Flagstaff:   Alternatively, take a tour.  A company called The Grand Canyon Store http://grandcanyoncustomtours.com   offers 1-day tours from both Flagstaff & Williams to the Grand Canyon, including a tour to the Grand Canyon Village & South Rim, and the more extensive Inner Canyon Tour that actually takes you to the Colorado River at the bottom of the canyon, not merely to the South Rim as with other tours and the scheduled bus - not surprisingly the Inner Canyon Tour is their most popular!  They also do a tour from Flagstaff to the South Rim using the Grand Canyon Railway, see the section below.

www.amtrakvacations.com can put together an Amtrak coast-to-coast package for you with a stopover at the Grand Canyon, or a tour from Los Angeles to the Grand Canyon and back, customised you your specification.  See Grand Canyon packages .

Option 2, Flagstaff to the Grand Canyon on the Grand Canyon Railway

The more interesting way to reach the Canyon is on the Grand Canyon Railway from Williams to the Canyon's South Rim.  This is the original Santa Fe railroad branch line, Williams Junction just outside Williams town is where the line diverges from the Chicago-LA main line.  However, Amtrak's Southwest Chief no longer calls at Williams Junction (it called there at uncivilised times in any case), you now use Flagstaff as the stop for the Grand Canyon with Amtrak bus connection to Williams.

To reach the Grand Canyon by train, get off the Amtrak's Chief at Flagstaff and take the connecting Amtrak Thruway bus to Williams.  The buses are timed to connect with train's arrival & departure to and from both Chicago and Los Angeles.  Williams is a pleasant town with plenty of motels, shops & diners.  The Grand Canyon Railway runs a daily morning train some 65 miles over the Santa Fe's historic railway from Williams station to Grand Canyon South Rim station in the Grand Canyon Village, right on the edge of the Canyon's South Rim.  The train returns in the afternoon, arriving in time to have dinner then catch the shuttle bus to Flagstaff for Amtrak's Chief onwards to Los Angeles.

The Amtrak reservation system at www.amtrak.com will actually let you buy through tickets between Los Angeles and Grand Canyon in either direction, although if you want to book through tickets between New York or Chicago and Grand Canyon this involves an overnight stay in Williams so you'll need to use the multi-city booking feature.  But you can book your Amtrak trains at www.amtrak.com then book the Grand Canyon train at the GCR official website, www.thetrain.com .

You can also book Chicago-LA packages with Amtrak travel and a trip to the Grand Canyon on the Grand Canyon Railway at www.amtrakvacations.com , Amtrak's official partner for tours and packages involving Amtrak travel.  See Grand Canyon packages .

The fare includes entry to the Wild West show at Williams station in the hour before departure, and some Wild West entertainment on board!

USA rail passes

One of the best ways to see America is with an Amtrak USA rail pass, but be aware of its limitations before you invest in one.

A 30-day 10-segment rail pass costs around $499.

That's 10 train rides, enough to travel coast to coast 5 times, at €49.90 per train ride!  Children aged 2-12 get passes for half price, under 2's travel free.

Segments:   Sadly, since 2008 Amtrak's USA railpass no longer gives unlimited travel, it only covers a maximum of 10 'segments'.  This is the maximum number of individual train rides you can take during your 30 day pass duration.

A segment is one train ride on one train:  So a 2-day 2,200-mile trip from Chicago to Los Angeles on the Southwest Chief counts as one segment, and a 30-minute ride on a Northeast Regional train is also one segment.  Go figure!  A journey involving a change of train (for example, New York to Chicago on the Lake Shore Limited then Chicago to San Francisco on the California Zephyr ) counts as two segments.

Will a railpass save you money?   Very probably, if you intend making 8, 9 or 10 long-distance train rides.  10 rides for $499 is €49.90 per train ride, if (say) you only used 7 segments it'd work out at $71 per train ride.  Now use the journey planner at www.amtrak.com to see what normal fares would be, to compare.  But read the bit about passholder quotas below!

Reservations, upgrades & quotas

Railpasses are valid for any Amtrak train in the USA except Acela Express high-speed services and the Auto-Train car-carrying service.

Reservations are required!   The railpass is not a ticket, you must make a (free) reservation before boarding any train.  You can make reservations online at www.amtrak.com after buying your pass.  Alternatively, you can make them at stations as you travel around or by calling Amtrak's 24 hour freephone number, 1-800-USA RAIL (from outside the States call Amtrak on (001) 215-856-7953, not free).

Upgrading to a sleeper is no longer possible:   It used to be possible to upgrade to a private sleeper when using a pass, simply by paying the appropriate room charge.  For an idea of sleeper room charges, see the fares section above .  However, in 2021 this has changed, though it's not clear if this is permanent or temporary.  At present you cannot upgrade to a sleeper (or to business class) with a pass.  So only buy a pass if you're happy using a seat, even overnight.

Warning about passholder quotas:   After buying your pass, you can make reservations online, or at stations as you go, or by calling Amtrak.  However, with a pass you can only book trains on which a Value or Saver fare is available.  If only the most expensive Flexible fare is showing, you cannot use your pass on that train, even if there are seats still available for customers paying cash.  Many trains have Value or Saver fares available even on the day before departure, and sometimes even on the day of travel itself, but not always.  Trains get busy in summer, Value and Saver fares have limited-availability and often sell out.  When they sell out, you can't use your pass on that train.  So don't buy a pass only to find you can't travel on the trains you need.  Before buying the pass, use the journey planner at www.amtrak.com to get a feel for how fares work, and to see if your chosen trains have Value or Saver fares left.

How to buy an Amtrak Railpass

Check prices in pounds & buy a USA railpass (UK-based company, but passes sent to addresses worldwide)

Check prices in Australian dollars & buy a USA railpass (Australia & NZ residents)

Tours by train across America

Amtrak vacations, www.amtrakvacations.com.

Amtrak Vacations is Amtrak's official partner.  They can put a package together to your own specification, from anywhere to anywhere, with private sleeping accommodations on the train, stopovers at cities or national parks, hotels & transfers.  They'll also do ticket-only bookings for cross-country Amtrak journeys, and you may get more help and advice if you book through them as they specialise in Amtrak's long-haul routes.

Railbookers

Train travel specialist Railbookers have offices in the UK, USA & Australia.  They can arrange a tour by train across the United States on Amtrak, starting any date you like, to your own specification with hotels and train reservations all made for you, hassle-free.  They know what they're doing, and take good care of their clients, and I have no hesitation in recommending them.

G uidebooks

Click the images to buy at amazon.co.uk or amazon.com.

Alternatively, you can download just the chapters or areas you need in .PDF format from the Lonely Planet Website , from around £2.99 or US$4.95 a chapter.

Hotels in the USA

New York:  The Algonquin is New York's oldest operating hotel, opened in 1902, and a designated New York City Historic Landmark.  Perfectly located in mid-town Manhattan, a block or two from Times Square one way and Grand Central the other, with a lovely wood-panelled lobby and even its own hotel cat, which you may find wandering the corridors or sitting on the reception desk.  To check prices & book, click here .  For the Algonquin's history see en.wikipedia.org/wiki/Algonquin_Hotel .

Washington DC:   Phoenix Park Hotel .  A great choice, directly across the road from Union Station so handy for arrivals and departures by train, with an excellent Irish Pub doing great food & Irish beer on the premises, and just 2 minutes walk from the capitol.  From around $154 for a double.

Los Angeles:   Hotel Queen Mary (closed for refurbishment in mid-2022, but reopened in April 2023).  This has got to be of the most fascinating places to stay, anywhere.  If you go to Los Angeles, consider making the Hotel Queen Mary your base to explore the Los Angeles - Hollywood - Disneyland area.  The original Queen Mary of 1936 has been permanently moored at Long Beach in California since the late 1960s, some 25 miles from Los Angeles Union Station (about a $90 taxi ride), and it's undoubtedly the most wonderful place to stay in LA.  The hotel consists of most of the original first class cabins on board the Queen Mary, and there are plenty of restaurants and bars available on board, too.  Hotel guests can more or less wander the ship at will, and even sign up for ghost hunts at night on board (and yes, from my own experience there is something going on aboard that beautiful ship!).  Wood panelled art deco interiors have been preserved, although a few modern items have been installed such as televisions, and (as we worked out from a historic deck plan) in some cases two of the Queen Mary's original cabins have been knocked into one hotel suite by turning one of the en suite bathrooms into a connecting corridor.  She is one of the most atmospheric places I have ever stayed.

Backpacker hostels in the USA: www.hostelworld.com

www.hostelworld.com :  If you're on a tight budget, don't forget about backpacker hostels.  Hostelworld offers online booking of cheap private rooms or dorm beds in backpacker hostels in many places across the States at rock-bottom prices.

Flights to the USA

1)  check flight prices at opodo, www.opodo.com, 2)  use skyscanner to compare flight prices & routes worldwide across 600 airlines....

3)  Lounge passes

Make the airport experience a little more bearable with a VIP lounge pass, it's not as expensive as you think, see www.loungepass.com .  I have found that having lounge access with complimentary tea, coffee, food and wine makes all the difference to an economy flight.

Travel insurance & other tips

Always take out travel insurance.

Never travel overseas without travel insurance from a reliable insurer, with at least £1m or preferably £5m medical cover.  It should also cover cancellation and loss of cash and belongings, up to a sensible limit.  An annual multi-trip policy is usually cheaper than several single-trip policies even for just 2 or 3 trips a year, I have an annual policy with Staysure.co.uk myself.  Here are some suggested insurers.  Seat61 gets a small commission if you buy through these links.

Get an eSIM with mobile data package

Don't rely on WiFi, download an eSIM with a mobile data package for the country you're visiting and stay connected.  Most newer mobile phones can download a virtual SIM card so you don't need to buy a physical SIM, including iPhone 11 & later, see device compatibility list .  Maya.net is a reliable eSIM data retailer with a 4.5 out of 5 Trustpilot rating and a range of packages including unlimited data .

Get a Curve card for foreign travel

Most banks give you a poor exchange rate, then add a foreign transaction fee on top.  A Curve MasterCard means no foreign transaction fees and gives you the mid-market exchange rate, at least up to a certain limit, £500 per month at time of writing.  The money you spend on your Curve card goes straight onto one of your existing debit or credit cards.

How it works:   1. Download the Curve app for iPhone or Android .  2. Enter your details & they'll send you a Curve MasterCard - they send to the UK and most European addresses.  3. Link your existing credit & debit cards to the app, you can link up to two cards with the free version of Curve, I link my normal debit card and my normal credit card.  4. Now use the Curve MasterCard to buy things online or in person or take cash from ATMs, exactly like a normal MasterCard. Curve does the currency conversion and puts the balance in your own currency onto whichever debit or credit card is currently selected in the Curve app.  You can even change your mind about which card it goes onto, within 14 days of the transaction.

I have a Curve Blue card myself, it means I can buy a coffee on a foreign station on a card without being stung by fees and lousy exchange rates, just by tapping the Curve card on their card reader.  The money goes through Curve to my normal debit card and is taken directly from my account (in fact I have the Curve card set up as payment card on Apple Pay on my iPhone, so can double-click my phone, let it do Face ID then tap the reader with the phone - even easier than digging a card out).  I get a little commission if you sign up to Curve, but I recommend it here because I think it's great.  See details, download the app and get a Curve card , they'll give you £5 cashback through that link.

Get a VPN for safe browsing.  W hy you need a VPN

When you're travelling you often use free WiFi in public places which may not be secure.  A VPN encrypts your connection so it's always secure, even on unsecured WiFi.  It also means you can select the geographic location of the IP address you browse with, to get around geoblocking which a surprising number of websites apply.  See VPNs & why you need one explained .  ExpressVPN is a best buy with a 4.7 out of 5 Trustpilot ranking which I use myself - I've signed up as an ExpressVPN affiliate, and if you go with expressvpn.com using the links on this page, you should see a special deal, 3 months free with an annual subscription.  I get a small commission to help support this site.

Carry an Anker powerbank

Tickets, reservations, vaccination records and Interrail or Eurail passes are often held digitally on your mobile phone, so it's vital to keep it charged.  I always carry an Anker powerbank which can recharge my phone several times over if I can't get to a power outlet.  Buy from Amazon.co.uk or from Buy from Amazon.com .

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🌍 Help Me, LP! How do I make the most of Amtrak’s USA Rail Pass?

Feb 9, 2023 • 7 min read

Use your Amtrak USA Rail Pass to take in the country’s staggering scenery from the comfort of an observation car © Jacob Boomsma / Shutterstock

In this series, Lonely Planet’s team of writers and editors answers your travel problems and provides tips and hacks to help you plan a hassle-free trip. When an Amtrak question came across the transom, we turned to Lonely Planet contributor (and major train) fan Lauren Keith.

Question: My trip around Europe with the Eurail Pass was one of the best I’ve ever taken. Is there anything like this in the United States?

Lauren Keith: Hopping off and on trains, waking up to a new city in the morning, carrying your suitcase through elegant train stations, meeting new friends from across hostel bunk beds: taking an extended train trip in this fashion actually is possible in the United States .

Modeled on the Eurail Pass , which allows travel around 33 European countries, Amtrak’s USA Rail Pass might get you across only one international border. But the experience can be just as varied, intriguing and eye-opening as its European counterpart. 

The US might have the world’s largest road network, sure – but taking a car-free “road trip” across the country is a ticket to an unforgettable adventure, and may be the most European-style journey you can have on this side of the pond.

I’ve just bought my second USA Rail Pass, and I’m starting to pack my bags for my next Amtrak sojourn. In 2021, I took to the rails on a loop from Kansas City , going through St Louis , San Antonio , New Orleans , DC , Baltimore , Philadelphia , New York City and Boston . Here’s a quick dive into the nitty-gritty of the Amtrak pass and some of the questions I was most commonly asked about my trip.

What is Amtrak’s USA Rail Pass?

The USA Rail Pass allows riders to go on 10 Amtrak “segments” within a 30-day period for a set price. A segment isn’t always the same thing as a one-way journey – any time you get off the train is the end of a segment. A one-way journey between Seattle and Denver , for example, consists of two segments because you have to change trains.

Launched in 1976, the USA Rail Pass in its current form differs significantly from the Eurail Pass, and even from previous versions of itself. Instead of regional restrictions, the entire country is now fair game, and the pass is valid for a set 30 days, and only 30 days – travelers no longer have the option of choosing longer or shorter durations.

When can I use the Amtrak Rail Pass?

Once you purchase the pass, you have to use it within 120 days (about four months). After the first segment is traveled, the clock starts ticking, and you have 30 days to take the other nine segments.

How much does the USA Rail Pass cost?

Amtrak sells the USA Rail Pass for $499 at full price – but it’s been on sale for as low as $299 a couple times in the last few years. And at this promotional price, each segment costs less than $30, regardless of length.

What are the USA Rail Pass restrictions?

While the USA Rail Pass is pretty flexible, it’s important to know a few details before buying one.

With the pass, you must travel in coach class. Business class and sleeper cabins (which are soon to be upgraded ) are not an option, unless you want to pay for them outside of the pass at the going rate. While Amtrak’s reclining seats are far superior to those of any airline’s economy class (39 inches of legroom compared with 28 inches when flying), they can be a challenge to sleep in overnight.

Passengers using the USA Rail Pass cannot ride the Auto Train (between Virginia and Florida ), Acela trains (high-speed trains in the Northeast) or Canadian routes that Amtrak operates with VIA Rail Canada. However, these regions are still accessible to pass holders on other (slower) routes.

Riders can travel between the same two stations only twice (two round-trip journeys), so the pass is best for travelers looking to explore a larger region, or the entire country. If you’re looking to commute between cities or visit friends or family in the same place, opt for a Multi-Ride Pass instead, which doesn’t have this restriction.

Though the USA Rail Pass doesn’t have any blackout dates, only a limited number of seats are saved for pass holders on each service – which means advance reservations are highly advisable. It’s possible that some trains will be unavailable; unfortunately, the number of eligible seats isn’t shown when searching the schedules. You have to reserve seats in advance, and it’s best to book your journeys as soon as you know where you want to go, even if you haven’t nailed down all the details. If you change your mind, you can cancel and rebook any time before the scheduled departure of the train, a super-flexible option.

Where can I go on Amtrak’s USA Rail Pass?

The country is your oyster. Amtrak’s routes roll across the US from the Atlantic to the Pacific, and from the Mexican border to stops in Canadian cities. More than 30 train lines crisscross the entire country on some 21,000 miles of tracks. Trains stop in 500 cities in 46 states, along with a handful of destinations in Canada .

How can I make the most of Amtrak’s USA Rail Pass?

That all depends on you and your travel goals. You could feel the West Coast sun along the coast in California before cozying up in a bookshop among the grays and greens of the Pacific Northwest . You could focus on the East Coast’s big-hitters, such as DC, Philadelphia, New York and Boston. The bold could even cross the country from every direction within 30 days: east from Los Angeles to New Orleans, north from Miami to Maine , west from Chicago to Seattle, and south from Vancouver to San Diego , where you can cross the border to Tijuana , Mexico , on foot. 

Although the observation car might sound like the best way to soak up all the extraordinary diversity of scenery on an epic journey like that, I wouldn’t personally recommend it – unless you’re sure you’ve packed plenty of snacks and your body can handle days without fully lying down to sleep. The California Zephyr , one of the longest train journeys in the world, takes 52 hours from California to Chicago, and that’s assuming there aren’t any delays – a rarity.

Start by looking at Amtrak’s route map and deciding which stops are a priority. Remember that you don’t necessarily need to start from your home city: if you want to pack more in, you could fly or take a train (without using your pass) to a hub like New York, Chicago or DC that has multiple options for long-distance routes.

Another important factor is timing. You have 30 days to use your pass, and outside the Northeast, most routes run just once a day – or even as little as three times a week, as is the case for the Sunset Limited (Los Angeles to New Orleans). The small number of services mean that strange departure times are inevitable. My first trips on Amtrak in 2008 left from a small-town station in Kansas with two daily departures: 2:45am going south and 2:59am going north.

Which Amtrak routes are the most scenic?

Amtrak’s long-distance trains are some of the most scenic journeys in the world. The Coast Starlight is absolutely worth a trip, hugging the coast so closely between San Luis Obispo and Santa Barbara that you seem to hover at the cliff edge, as if on a roller coaster. The California Zephyr takes in the widest variety of landscapes, from the snow-capped Sierra Nevadas to the salt flats of Nevada and Utah to endless bends around the Rocky Mountains . 

Even many of Amtrak’s stations are scenic. Los Angeles’ Union Station is an art-deco jewel with its own brewpub. Denver’s Union Station is home to an impressive food hall, and the coffered ceilings of Kansas City’s Union Station (do we see a naming trend here?) are just as gorgeous as those in Chicago and Washington, DC.

Ready to take a midnight train to anywhere? See you on board.

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The Best Train Trips to Take Across America

Explore the U.S. by rail on these scenic train rides.

There's a romance to train travel — the leisurely pace of a rail trip compared to the hustle of an airport or a crowded highway encourages you to relax. There are the historic train stations and roomy seats, plus the chance to get up and walk around, visit the dining car, or just sit and take in the scenery.

There are many rail journeys you can take across the United States, with stops in exciting cities, historic landmarks, and national parks along the way. From Napa Valley to New England, here are ten of the best rides in the USA.

The Napa Valley Wine Train

The Napa Valley Wine Train takes riders through the picturesque wine country northeast of the San Francisco Bay Area. The route follows a rail line originally built in 1864. Visitors can take a 36-mile journey from downtown Napa to picturesque St. Helena and back while indulging in delicious wine and California cuisine. After boarding the train at the McKinstry Street Station, travel through the old industrial section of Napa, then continue through the scenic vineyards of Northern California. Experiences range from three-hour lunches in the panoramic Vista Dome car to full-day adventures where you can hop on and off the train along the way. Don't forget to plan an overnight stay at one of the incredible hotels in Napa Valley .

The Pacific Surfliner

Traveling 351 miles along the coast of Southern California, Amtrak's Pacific Surfliner is one of the world's most scenic train rides . Start in San Diego and head north, stopping along the way in quaint ocean towns like Carpinteria, San Juan Capistrano, and Ventura. Be sure to leave some time to explore Santa Barbara, or head all the way to the end of the line at San Luis Obispo before looping back.

The Coast Starlight

Ride up the West Coast on Amtrak's Coast Starlight , a 35-hour journey that goes all the way from Los Angeles to Seattle, passing through Santa Barbara, the San Francisco Bay Area, Sacramento, and Portland. The scenery along the way includes snow-covered peaks of the Cascade Range and Mount Shasta, forests and valleys, and long stretches of Pacific Ocean shoreline.

Empire Builder

Those looking to follow the trail of Lewis and Clark should hop aboard Amtrak’s Empire Builder train , which runs between Chicago and the Pacific Northwest. With stunning views of the Mississippi River and the Rocky Mountains, there's a reason this is one of the most popular long-distance train rides in the U.S. Hop off in Minneapolis–Saint Paul, Minnesota, and again in Glacier National Park before finishing the trip in either Seattle, Washington, or Portland, Oregon.

The Grand Canyon Railway

The Grand Canyon Railway , which dates back to 1901, offers riders a lesson in history from the Wild West and the opportunity to see the beautiful scenery in this iconic region. Kick back in the restored cars and listen to crews' incredible stories the crew as you ride the railway from Williams to the South Rim of Grand Canyon National Park on a 65-mile trip across the high desert plateau. You'll then have three hours to explore before heading back in the afternoon. Looking to make your journey even more fun? Book a ride on one of the railway's vintage steam trains , which depart on select dates between March and October.

Amtrak Cascades

Cross over the United States' northern border on Amtrak Cascades , stretching from Vancouver, Canada to Eugene, Oregon, passing through Portland and Seattle along the way. Stop in cities for day trips or overnight stays, and then hop back on a train to pass by Mount St. Helens and cross the Columbia River Gorge.

The White Pass & Yukon Route Railway

Ride this historic railway across the Yukon on the Bennett Scenic Journey , which travels from Alaska to Canada. The 67.5-mile trip takes you between Skagway, Alaska, and Carcross, Yukon Territory, Canada, along the same route that the Klondike stampeders traveled in 1898. Stop along the way to tour the historic Bennett Station and museum.

The Rocky Mountaineer

Voted the best train by T+L readers , The Rocky Mountaineer once only served Canada, bringing passengers from east to west with an exceptional display of scenery. It now offers a U.S. route: Rockies to Red Rocks , which transports passengers through the American Southwest from Denver to Moab, Utah, with a stop in Glenwood Springs, Colorado. Journeys run between April and October and include meals and accommodations in nearby hotels.

Hawaiian Railway Society

The Hawaiian Railway Society offers locomotive enthusiasts rides along 12 miles of Oahu's historic railroad tracks. Along the way, take in views of the ocean while listening to stories about the golden days of train travel in Hawaii. The two-hour round-trip rides run three days a week, and there's also a toy train museum to check out before or after your journey.

The Maple Leaf Train

Take a train trip that starts at Niagara Falls and ends in New York City on Amtrak's Maple Leaf train . You'll travel through the scenic Hudson River Valley, New York's wine country, and the gorges of the Finger Lakes region. While at Niagara Falls, stop for a cruise on The Hornblower to the rushing falls or take a Journey Behind the Falls tour , which brings you 150 feet below ground to tunnels that lead to observation spots at the foot of the falls.

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The best train rides in the USA for seriously gorgeous views

From coastal routes to journeys through the mountains, these train rides spotlight all of America's most stunning scenery.

From redwood groves to sprawling desert landscapes to miles of picturesque countryside, America has no shortage of stunning scenery across its 50 states. One of the best ways to take in all the beauty is by hopping aboard a train. 

While a road trip through America is always a great choice to see the country's sights, we'd argue train travel is even better. Not only is riding  on a train a timeless experience with notes of romance and nostalgia, but there's no airport stress or need to be at attention behind the wheel. Instead,  you can sit back, relax and simply stare out the window as you take it all in. 

Below, you'll find the best and most scenic train rides across the country. On the West Coast, take in ocean views aboard the Coast Starlight (from Los Angeles to Seattle ) or the Surfliner, which hugs the California coast for miles. On the East Coast, the Mount Washington Cog Railway takes you through the Mount Washington area in New Hampshire. Looking for something even more adventurous? Head to Alaska  to catch the Denali Star’s 350-mile trek from Fairbanks to Anchorage.

Whether you're looking for a multi-day adventure or a route that only lasts a few hours, these train rides won't disappoint.

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Best train rides in the USA

1.  Rockies to the Red Rocks

Denver, co to moab, ut.

Trip length: Two days

The first U.S. offering from luxury Canadian company Rocky Mountaineer, the ' Rockies to the Red Rocks ' trip takes passengers on a two-day ride from Denver to Moab—passing through stunning Rocky Mountains and southwest scenery along the way. Best of all? Passengers will witness all that gorgeous nature from the train's glass-dome top! That's right, we're talking about unobstructed views of some of the most gorgeous scenery in the USA . The 2024 season runs from April 14 through October 9.

2.  Coast Starlight

Los angeles, ca to seattle, wa.

Trip length: 36 hours

Traveling by train instead puts a spin on the classic left-coast road trip. The advantages? There are zero wrong-turn fights and way more photo ops. The 1,377-mile Coast Starlight route hits the best of the West: Santa Barbara, San Francisco, Sacramento, Portland, and more. On the 36-hour trip, bounce from your seat to the dining car and the 'sightseer lounge car,' where all the seats face the panoramic, floor-to-ceiling windows. 

3.  Pacific Surfliner

San diego, ca to san luis obispo, ca.

Trip length: 8-9 hours

If you're looking for a train ride with ocean views, you can't beat Amrak's Pacific Surfliner , which travels along a 351-mile route, many of the trip is directly along the California coast. The route starts out in San Diego before meandering up through Anaheim, Los Angeles, Santa Barbara, and other stops before ending in San Luis Obispo in the central part of the state. 

4.  The Grand Canyon Railway

Williams, az to the grand canyon, az.

Trip length: 2 hours 15 minutes

Sure, you may have been to the Grand Canyon already, but have you ever admired Grand Canyon country by train? On The Grand Canyon Railway , you’ll depart from Williams, Arizona, and roll through pine forests and prairies, spotting pronghorn and bald eagles, before arriving two hours and 15 minutes later at the epic South Rim. All of the historic cars of the Grand Canyon Railway have fascinating former lives and some have glass-dome ceilings for unstoppable panoramas. 

5.  The Empire Builder

Chicago, il to portland, or.

Trip length: 45–46 hours

There is only one word to describe this journey: epic. The Empire Builder runs daily between Chicago and the Pacific Northwest, mirroring much of Lewis and Clark’s original expedition. It passes through a greatest-hits list of must-see sites, from the urban (St. Cloud and Minneapolis) to the great outdoors (big-sky country and Glacier National Park ). The trip totals 46 hours, which warrants booking at least a roomette with seats that convert to beds so you can fully stretch out once you’ve gotten your fill of landscapes under the moonlight. 

6.  The Alaska Denali Star

Anchorage, ak to fairbanks, ak.

Trip length: 12 hours

This 350-mile stretch through the heart of Alaska highlights the state's beautiful, rugged wilderness. Between the birch forests, rushing rivers, caribou- and bear-spotting, views of Mt. McKinley and a stint through Denali National Park, there’s a reason this is the Alaska Railroad ’s flagship sojourn. If you can swing it, splurge on a GoldStar upgrade and take in the spectacular scenery from an open-air viewing car, with absolutely nothing between you and the wild. 

7.  Skunk Train

Willits, ca.

Trip length: 2 hours

Hopping aboard  Skunk Train  is like traveling back in time—this historic train has been traversing Mendocino County in California since 1885. Today, you can choose from a variety of routes and experiences. The most popular journey is Wolf Tree Turn. This 16-mile route will take you through old-growth redwood groves within Noyo River Canyon, over trestle bridges, and under tunnels, ending with a stop in Crowley, where you can take in the majesty of one of the oldest trees in the area, the Wolf Tree. Enjoy snacks and beverages (including alcoholic ones) before heading back toward Willits.

8.  The Great Smoky Mountains Railroad

Bryson city, nc.

Trip length: 3.5 hours

It may be pint-size, but Bryson City, the departure point for this rail-riding adventure, is rich with local gems like barbecue joints, a soda fountain and a brewery. The Great Smoky Mountains Railroad has various routes, but the four-and-a-half-hour Nantahala Gorge excursion is a scenery-serving star, snaking along the forested Nantahala River and crossing the Fontana Lake by bridge. Foliage lovers, take note: The leaves here are breathtaking during the fall.

9.  The Mount Washington Cog Railway

Bretton woods, nh.

Trip length: 3 hours

Like the Little Engine That Could, this antique train chugs daily up Mount Washington , depositing its passengers at the 6,288-foot peak, the highest in the Northeast. A working museum of sorts (the track dates to 1852), the Cog has the elevated feel of a gondola, only you’re in a sturdy little train. At the top, take in the sweeping views of Canada and the Atlantic on a clear day. 

10.  The Napa Valley Wine Train

Napa valley, ca.

Trip length: 3 to 6 hours on average

On this California Wine Country track, you can get intoxicated by the scenery alone: picture-perfect wineries and hills carpeted in lush rows of vines. But you’ll have a little help, what with all the vino you’ll be sipping alongside your onboard multicourse meal—both lunch and dinner are options. The roving restaurant aboard the Napa Valley Wine Train comprises a collection of vintage Pullman railcars complete with mahogany panels and brass hardware. So go ahead and soak it all up—you’re not behind the wheel, after all.

11.  California Zephyr

Emeryville, ca to reno, nv.

Trip length: 6 hours 45 minutes

At more than 2,400 miles long, the  California Zephyr —stretching from San Francisco to Chicago—is Amtrak's longest route. While we don't recommend you do the route in its entirety (unless that floats your boat), we highly recommend the route stretching from the Bay Area (hop on in San Francisco or Emeryville) to the Lake Tahoe area (get off in Reno or Truckee). This scenic journey is an ideal way to get to Tahoe, beat the traffic, and take in dreamy views.  

12.  The Hawaiian Railway Society

Trip length: 1.5 hours

Train travel takes a turn for the tropical on this 90-minute jaunt across Oahu in an old sugar-cane hauler traveling at the lickety-split speed of 15 miles an hour. The ride aboard the Hawaiian Railway Society shows you a rarely-seen version of Hawaii, filled with old sisal plantations and ghost towns. Time your trip for the second Sunday of the month and you can book a seat in the elegant 1900 parlor car that was the personal ride of Oahu Railway & Land Co. founder Mr. Dillingham. It's worth noting, however, that reservations are now required to ride the train. 

13.  Durango Narrow Gauge Railroad

Durango, co to silverton, co.

Trip length: 3.5 hours

One of the most scenic ways to experience one of the most scenic states; a ride on the Narrow Gauge Railroad isn’t merely photo fodder, but a full immersion into the wild, wild west. The train has been rolling between Durango and Silverton since 1882, when it was tasked with transporting silver and gold out of the San Juan Mountains. The 45.4-mile route runs in both directions along the Animas River, crisscrossing it five times, and passing by old stagecoach trails and long-deserted mining camps as it winds between 14,000ft high peaks.

14.  The Ethan Allen Express

New york city, ny to burlington, vt.

Trip length: 7 hours 35 minutes

While the destination is a major draw, getting there is half the fun on this five-and-a-half-hour journey from New York City to Vermont. On the Ethan Allen Express , you’ll cruise through the postcard-perfect towns of New York’s Hudson Valley; hit Saratoga Springs, as famous for its horse races as its hot springs and snake around Vermont’s fittingly named Green Mountains, before landing in charming little-big city Rutland, with its historic downtown and one helluva farmers' market.

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14 Best Train Trips to Take Across America for Breathtaking Scenery

Vacation in a new way to see some beautiful sights.

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While traveling by train can certainly be a more inexpensive option for a family getaway when compared to air travel or a boat cruise, that doesn't mean you'll be cramped and crowded. Many of the trips we have listed include luxury sleeper trains, amazing dining and, of course, unbeatable views. There are routes like the Surfliner, which runs along the Pacific Ocean (and would be an unforgettable destination for spring break ), the Grand Canyon Railway, a two-hour ride of bliss and tons more that are sure to pique your interest.

Let the best train rides in America also inspire you to make locomotives your transportation of choice even when you head to international destinations (we recommend you hop aboard Norway’s famous Flåm Railway ).

Still need help deciding where to go and what to pack? Check out Good Housekeepin g 's 2023 Family Travel Awards for expert advice, top-tested gear and more.

Amtrak Auto Train

If you’re traveling to a destination that requires use of a vehicle, Amtrak’s Auto Train allows you to pack it with you! It transports your car (or other recreational vehicles) as well as you and your family on a route from Washington, DC to Sanford, Florida.

Good Housekeeping’s Textiles, Paper & Apparel Lab executive director, Lexi Sachs boarded the train with her family for a trip to Orlando, which she described as “just as fun of an experience for my two kids” as their trip to Disney World.

Sachs also pointed out that the train trip featured a range of seating options, from coach to bedrooms with pull down beds, lovely views of the East Coast, delicious dinner and breakfast, and allowed her to feel like she wasn’t losing a day of vacation due to travel. Plus, Amtrak offers priority offloading, “which means your car comes off first,” Sachs said, adding that “It was definitely worth it in my opinion!”

America's National Parks with Rocky Mountaineer

See eight destinations over 11 days when you embark on this incredible journey through canyons and mountains. You’ll have the chance to explore Arches National Park with its many sandstone arches, Canyonlands National Park, which is full of rock columns and original Native American cave paintings and Yellowstone National Park, where you will see its majestic hot springs and geysers. Not only does this package include multiple sightseeing tours, but it also covers 10 nights of hotel stays and three meals.

Grand Rail Experience

Visit great American cities, including Washington, Chicago, Seattle, Los Angeles and New Orleans, on this 14-day cross-country journey. Included in the package is six nights of hotel accommodations, seven nights onboard one of Amtrak’s sleeper trains, sightseeing tours and priceless landscape views.

You also get to take your pick from attractions such as the Argosy Cruises Harbor Tour, Museum of Pop Culture (MoPOP), Woodland Park Zoo and Chihuly Garden and Glass for no additional cost.

Northern Rail Experience

Get your fill of adventure when you embark on this nine-day train vacation with stops in Chicago, Seattle, San Francisco and Muir Woods.

Amtrak offers an all-inclusive package with a hop-on, hop-off sightseeing tour, and breathtaking views of the great plains and the Pacific Coast. Plus you and your family will enjoy three nights of hotel accommodations and five nights on board Amtrak in private sleeping rooms. One meal is also included.

Alaska Railroad's Coastal Classic

Alaska Railroad's Coastal Classic departs from Anchorage and winds along the Turnagain Arm before turning off into the backcountry wilderness and eventually ending in Seward.

Look for views of the steep Chugach Range mountains plummeting right into the ocean, and the stunning shores of Resurrection Bay; wildlife sightings along the way could include beluga whales, sheep, bear and moose. Daily service is available seasonally, from mid-May through mid-September. Take a variety of tours in Seward — like glacier treks or sled dog rides — before heading back to Anchorage.

Amtrak’s famous Surfliner route runs between San Luis Obispo, Santa Barbara, Los Angeles and San Diego, with multiple daily departures.

The route runs along the Pacific Ocean — almost close enough to catch a wave — for gorgeous views throughout the journey. And yes, you can bring along your surfboard; special racks are designed to hold travelers’ outdoor gear.

Napa Valley Wine Train

If you love wine and vintage aesthetics, you absolutely must experience the Napa Valley Wine Train. Century-old railcars traverse a 150-year-old rail corridor on this 36-mile round-trip journey. The railroad once transported guests to a spa resort in Calistoga and now winds its way across the pastoral California landscape from Napa to St. Helena and back, stopping at the famed region’s wineries all along the route. Four on-board kitchens provide locally sourced, top-end cuisine for a full luxury dining experience.

Grand Canyon Railway

This trip re-creates the historic voyage to the Grand Canyon by rail, which opened to its very first passengers in 1901. Passengers aboard the Grand Canyon Railway depart from Williams Depot and make their way to the Grand Canyon Depot, which is the last operating log depot in the country. The depot is located right in the middle of the National Park’s historic district, near the storied El Tovar Hotel, and merely 200 yards from the edge of the canyon’s South Rim. In all, the trip covers 65 miles of scenic terrain, with unmatched views and photo opps.

Great Smoky Mountains Railroad

The Great Smoky Mountains Railroad takes passengers on a scenic rail journey through this beautiful mountain range. Choose from two versions of the trip, named for standout attractions: the Nantahala Gorge Excursion (44 miles) or the Tuckasegee River Excursion (32 miles). Both offer a range of seating classes, including an open-air gondola and first-class dining car. Specialty versions of the trip include wine and dine, fall foliage spotting, and even a Peanuts-theme Easter ride.

Cass Scenic Railroad

The steam-driven Cass Scenic Railroad takes passengers through the mountains of West Virginia on revamped flat cars that hauled lumber to the Cass mill more than a century ago. The 11-mile heritage railroad runs from May through October, offering a trip through both history and scenery. Ride to the overlook at Bald Knob, the third highest point in West Virginia, for unforgettable views and picture-taking spots.

Cape Cod Central Railroad

Cape Cod Central is a heritage railroad that operates on 27 miles of former New Haven Railroad tracks on Cape Cod. It takes passengers through marshes, cranberry bogs, dunes — places you can only access by rail. Come for a historic narrated daytime ride, Sunday brunch, sunset dinner, or a special festive holiday ride.

Sunset Limited

Travel between Louisiana and California on Sunset Limited, Amtrak’s Southernmost route. On the way from New Orleans through San Antonio, Tucson, Phoenix and Los Angeles, see diverse scenery including the bayou country, Southwestern deserts, and California mountains. Three trains depart weekly in each direction.

Coast Starlight

The Coast Starlight works its way along the west coast from Los Angeles to Seattle. On the route, pass Santa Barbara, the San Francisco Bay Area, Sacramento and Portland. Catch scenery from verdant valleys and forests to the snow-topped mountains of the Cascade Range and Mount Shasta and the Pacific Ocean shoreline to boot. This striking route runs daily.

Empire Builder

Amtrak’s famous Empire Builder route runs daily between Chicago and the Pacific Northwest. It covers portions of the Lewis and Clark trail, following the route of the pioneers. Urban views include the twinkling skyline of Minneapolis and St. Paul; natural landscapes include the North Dakota plains, Big Sky country in Montana and Glacier National Park. The route runs daily.

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This Amtrak Train Offers Incredible Views Of Glacier National Park

Glacier National Park is one of the most beautiful areas in the United States. This Amtrak route makes it possible to see the beauty from your seat.

• Glacier National Park views from a train? It's possible with Amtrak's Empire Builder route for an affordable scenic journey.
• Amtrak offers unique travel opportunities from coast to coast, with stops in iconic spots like Glacier National Park.
• Explore the beauty of the US with Amtrak's USA Rail Pass, allowing 30 days of travel for under $500.

With all the national parks in the United States, formulating a plan to see all of them in your lifetime isn't always feasible. However, Amtrak has made it easier to visit many national parks via its scenic and budget-friendly routes. One of the most talked about routes takes you through Glacier National Park in Montana, providing stunning views right from your window.

On both coasts of the United States and nearly everywhere in between, you can utilize Amtrak to spend a summer in the Berkshires or take in the many beaches in PNW. However, you shouldn't forget about the route that gives you Glacier National Park scenery, the Amtrak Empire Builder!

These Are The Three Best Places To Sit On Any Amtrak Train

Glacier national park is the epitome of beauty, located in the rocky mountains, glacier national park is one of the most scenic areas in montana.

While all parks have their own level of beauty, Glacier National Park is a favorite among many. With incredible mountain views and clear blue water, the park sees an onslaught of visitors each year. Unfortunately, for those with mobility limitations, venturing into the park to see the beauty therein isn't always possible.

Thankfully, Amtrak has instituted a route that allows travelers to have a peek into this rare national park gem. This addition has opened doors for many individuals to see places they previously wouldn't have been able to. This unique route covers a significant portion of the United States, with stops in many prominent areas, including the iconic Glacier National Park in Montana.

Amtrak Offers A Unique Travel Opportunity

You can easily forego hiking when enjoying this unique train route.

The Empire Builder route snakes between the Pacific Northwest and Chicago, with stops in Washington, Oregon, Idaho, Montana, North Dakota, Minnesota, Wisconsin, and Illinois. During the Montana leg of the trip, the train goes through Glacier National Park, taking passengers on a mesmerizing adventure that provides front-row views of the beautiful scenery and nature.

As the most ideal collaboration between slow travel and idyllic sightseeing, the Empire Builder route with Amtrak reigns supreme . Passengers can sit back and watch the train move past the incredible beauty as if it were on a television screen.

Taking in the wildlife and natural phenomenons that accompany that part of the country offers the ultimate experience in relaxation and slow travel.

Take An Amtrak Train Directly To The Newest National Park

With many different routes, amtrak offers you choices (and views), you don't have to stop at glacier national park, amtrak offers other avenues for sightseeing as well.

Suppose you want to go in a different direction after taking in everything that Glacier National Park has to offer. In that case, you can divert your plans and take an Amtrak to Rocky Mountain National Park to see even more beauty. You could also book a seat on any of the other scenic routes that Amtrak offers, which can help you explore every corner of the United States from your window seat.

If you really want to have a summer of sightseeing fun, look into Amtrak's USA Rail Pass , a unique program that offers rail transport for 30 days for those looking to take on some serious travel within the United States.

While there are limitations, the pass allows travelers to utilize ten Amtrak segments within 30 days. Therefore, you could go completely across the country with an assortment of side trips for a month-long adventure within the United States. What's more, the pass is available for under $500!

With the cost of travel increasing by the day, having budget-friendly options like Amtrak to fall back on helps people to explore the world around them without breaking the bank. Additionally, those who have physical limitations are also now able to see areas that were previously deemed impossible with the help of Amtrak.

It's safe to say that the expansion of rail travel has made a drastic difference in the quality of life for travelers, allowing them to see new sights during their lifetime that otherwise may have been unavailable to them.

Is a train trip on your summer bucket list?

Boosting passenger preference for rail

COVID-19 had a profound impact on people and industries across the world, with lasting changes to the way many people work and travel. Passenger rail was significantly affected, as at the onset of the pandemic operators had to contend with a sudden, steep drop in ridership. A new report, Boosting passenger preference for rail, by the International Union of Railways (UIC) in a partnership with McKinsey & Company, found that depending on the region, passenger numbers declined by between 40 and 100 percent, with a global average of around 70 percent. As the pandemic-related restrictions were lifted, operators put measures in place to restore rail services and adjust their offerings to suit customer’s changing needs, which aided recovery—although passenger rail traffic had not fully recovered at the beginning of 2022 when the research for the report took place, particularly in North America and Western Europe.

Even as the rail industry works to overcome the effects of the pandemic, several trends indicate that operators could not only restore passenger numbers to pre-COVID-19 levels, but increase rail’s modal share. Doing so could meet consumer expectations and help governments and countries around the world to achieve sustainability goals. For instance, consumers have become more environmentally conscious and rail offers a more sustainable option than traveling by car or plane. Over the next ten years, given new mobility offerings, car modal share for short to medium distances is expected to decrease by between 20 and 70 percent, with variations across regions—freeing up modal share that could be captured by rail. 1 McKinsey Center for Future Mobility research, 2021.

Furthermore, several regions are focusing on modernizing rail infrastructure and decarbonizing transport. The European Green Deal, a wide-ranging stimulus package focused on sustainability, is estimated to include €87.5 billion in investment related to rail infrastructure. 2 Global Infrastructure Outlook, data extracted in July 2021; “ITF Transport Outlook 2021,” OECD, 2021. Likewise, in the United States, the Infrastructure Investment and Jobs Act (IIJA) allocates $66 billion in funding and grants towards corridor development, rail track modernization, and safety improvement. 3 “The bipartisan infrastructure deal,” White House fact sheet, November 6, 2021. And in Africa, an integrated high-speed train network is at the heart of the “Agenda 2063” as one of 15 flagship projects. 4 “Agenda 2063 The Africa we want: First ten-year implementation plan 2013-2023,” The African Union Commission, September 2015.

Given these global trends, rail has the strength to position itself as one of the preferred choices of transportation of the future, helping to solve many longstanding challenges in passenger transport: sustainability, speed, and volume. Rail’s strengths include the ability to transport large volumes of people in an efficient manner, at a faster speed than car travel (if high speed or at peak hours when roads are congested), with enhanced travel comfort for leisure and business, and at lower energy consumption and hence lower carbon emissions per passenger.

That said, in many regions of the world, rail faces various challenges that act as barriers to increased ridership, including pricing schemes that are perceived to be expensive, a lack of reliability and punctuality, insufficient density, and a lack of convenience from an end-to-end journey perspective.

Boosting passenger preference for rail examines passenger rail’s current status, the reasons why passengers may or may not choose rail as a transport option, and the shifts in consumer behavior that have affected rail passenger numbers—and will likely continue to do so in the future. It also details the measures that operators have taken to restore rail travel to pre-pandemic levels. The report concludes with a set of concrete levers railway operators can pull to recover passengers lost during the pandemic, attract new passengers, and develop rail to be a viable alternative to road and air transport.

Would you like to learn more about our Travel, Logistics & Infrastructure Practice ?

Customer expectations: price is key.

The report finds that price is a core decision criterion for consumers when choosing rail over other means of transport. Other important factors are largely related to overall time of travel—especially regarding frequency, and speed—as well as reliability of service.

Research draws on a representative sample of customers across nine countries in three continents (Europe, Asia and North America) who were asked about their reasons for deciding to travel by rail. The results show that price, safety, reliability, and convenience remain the main drivers for passengers when choosing their mode of transport (exhibit). In all investigated regions except China, people report price as their key criterion for choosing a mode of travel.

Sustainability-related criteria seem to play only a minor role for passengers in their travel selection, though with notable differences across regions—between 3 percent of customers (Japan) and 19 percent (China) indicated that this aspect is one of their top-three decision criteria. When asked about their sustainability behavior, 87 percent of customers expressed an interest in sustainable rail offerings, but only 12 percent would be willing to pay a premium for sustainable products or services.

Long-distance travelers assign less importance to price (26 percent compared to 34 percent for medium and 32 percent for short-distance travel) and are more interested in convenience factors like travel time and the number of changes required on the journey.

Given these customer expectations today, rail operators could focus on their core offerings— including convenience, reliability, and speed, as well as price and safety—to increase passenger numbers and grow rail’s modal share. Railway infrastructure expansions and ongoing investments for maintenance and repair can help to support this.

Three horizons that can boost rail modal share

Rail operators, together with infrastructure managers and policy makers, can consider various measures across the following three horizons to grow passenger preference for rail and establish rail as the means of transportation of the future.

Horizon 1—Restore rail travel to pre-COVID 19 levels

Operators around the world have taken steps to aid demand recovery by re-establishing service availability and reliability, adapting offerings to suit new customer needs, and making these changes known to customers through clear communication. These same levers could be important in their continuing efforts to restore rail travel to pre-pandemic levels.

Operators could ensure that current customer expectations are met or exceeded, especially in terms of reliability and safety, and adjust offerings to meet changed demand and habits caused in particular by the increase in hybrid working. For instance, offerings such as modified train schedules and discounted tickets for off-peak travel could enhance the appeal of rail travel for commuters. Another approach could be to launch new offerings in response to the resurgence of local leisure travel, for instance through discounted fares or special passes for weekend travel, or to popular getaway destinations.

Furthermore, communication through ads and other media channels with customers is critical in creating awareness around existing rail services, and in fostering the desire to travel again. It can also be a key touch point for alleviating passengers’ health-related concerns by showing what hygiene measures are in place.

Safe, smart, and green: Boosting European passenger rail’s modal share

Horizon 2—grow passenger rail by improving operations.

Operators can build upon their existing networks to attract new passengers and enhance the travel experience. This can be achieved through a number of methods, such as tapping into new passenger segments with new offerings and differentiated pricing, and upgrading and enhancing both the train and station passenger experience. Trains could be re-positioned as multifunctional spaces, going beyond the traditional role of only offering seats to bridge distances. Measures to achieve this could include expanding onboard services such as digital connectivity, or providing luggage concierge, pet transportation, and food-ordering services.

Operators could also focus efforts on improving the end-to-end journey and offer a comprehensive mobility-as-a-service (MaaS) experience, for instance through mobile apps. Several operators are working within their travel ecosystems to provide one single pass so passengers can access multiple means of transport such as cars or e-bikes as well as trains.

Horizon 3—Grow passenger rail by structural measures

In the long term, operators could ramp up investment in infrastructure and service excellence. Doing so will likely require investment in high-density, high-speed and high-frequency networks. This involves increasing capacity and level of service through capital investments that include rolling stock, infrastructure, and digital technologies.

Around the world, operators are upgrading their fleets. Rolling stock investments have been projected to increase across all geographies at a rate of 6 percent a year between 2019 and 2024. 5 “Worldwide market for railway industries,” SCI, 2016; “Prospects for market developments of infrastructure and rolling stock 2020,” SCI Verkehr. New rolling stock increases capacity, creates higher customer satisfaction, improves sustainability, and offers the opportunity to modernize interiors, add connectivity, and improve services.

Density, speed, and frequency are three factors that position train travel as an efficient and convenient passenger service—and the case for high density, high speed, and high frequency has already been made numerous times around the world. In France, Germany, Italy, Spain, and Japan, the introduction of high-speed rail massively increased rail modal share, replacing cars for shorter distances and planes for longer distances. High-speed connections are a key success factor as journey time critically impacts rail modal share when compared to air travel.

Furthermore, as urbanization leads to increased populations within cities and city agglomerations, rail is an efficient means to relieve traffic congestion from individual mobility in high density regions, and aid sustainability. Rail generates four to six times less CO 2 emissions than traveling by internal combustion engine cars, and even generates less than electric vehicles. When evaluated against air transportation, rail is a more sustainable option, producing about 10 to 15 times less CO 2 per passenger. 6 “ Safe, smart, and green: Boosting European passenger rail’s modal share ,” McKinsey, October 28, 2021.

All stakeholders may need to collaborate in finding ways to reap the benefits that rail can offer—for customers, operators, and nations. For instance, operators and policy makers could develop an integrated perspective on the business model for rail and its role in alleviating traffic congestion, aiding sustainability, and contributing to economic growth.

Opportunities exist for rail operators to restore passenger rail to pre-COVID-19 levels and gain modal share. Rail operators that focus on restoring and growing the passenger base, providing better services, and investing in infrastructure have potential to succeed. Such efforts are becoming necessary in the face of climate change, and expanding populations that need access to safe, reliable, and affordable transport.

Raphaëlle Chapuis is an engagement manager in McKinsey’s Montréal office, Théo Delporte is a knowledge specialist in the Paris office, where Carsten Lotz is a partner.

The authors wish to thank Moritz Motyka, and Lynda Liu for their contributions to this article.

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

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

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

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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

Best travel insurance of 2024

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

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

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

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

See our full WorldTrips travel insurance review .

Pros and cons

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

Customer reviews

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

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

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

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

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

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

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

Best travel insurance for missed connections

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

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

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

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

Cheapest travel insurance

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

See our full Aegis travel insurance review .

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

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

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

Best travel insurance for families

Top-scoring plan

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

See our full Travelex travel insurance review .

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

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

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

Best travel insurance for add-on coverage options

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

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

See our full AIG travel insurance review .

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

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

Best travel insurance for cruise itinerary changes

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

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

See our full Nationwide travel insurance review .

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

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

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

Compare the best travel insurance plans

Via Compare Coverage’s website

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

What is the best travel insurance?

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

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

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

Best travel insurance for cruises

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

Best travel insurance for COVID-19

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

Best travel insurance for “cancel for any reason” 

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

Best travel insurance for seniors

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

How much is travel insurance?

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

How much you pay for travel insurance will depend on:

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

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

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

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

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

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

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

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

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

When should I buy travel insurance?

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

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

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

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

Where can I buy travel insurance?

You can buy a travel insurance plan:

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

Travel insurance trends in 2024

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

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

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

Methodology

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

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

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

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

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

Best travel insurance FAQs

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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In Europe's Schengen area , your passport must be valid for at least six months at the time of your entry. At present, the Schengen area includes most European Union (EU) countries, except for Cyprus and Ireland.

If you are transiting through Canada or the United Kingdom (UK) enroute to the Schengen area : your passport must be valid for at least six months, even though Canada and the UK do not themselves have the six-month rule. If your passport will expire within six months, airlines may not let you board your onward flight to Europe.

Traveling in Europe

If you plan to travel in Europe, you need to know about the Schengen Borders Agreement, which allows you to move freely within a number of countries without border checks. Tourists, exchange students, and people visiting for business from certain countries, like the United States, can travel in the Schengen area for up to 90 days. The Schengen area includes most EU countries, except for Cyprus and Ireland. It also includes four non-EU countries: Iceland, Norway, Switzerland, and Liechtenstein.

Before you travel to the Schengen area, we recommend you do the following:

• Check the expiration date on your passport book carefully before traveling to Europe. Ensure your passport book is valid for at least six months when you enter the Schengen area. This is especially important for minors under age 16 as their passports are only valid for five years. In contrast, U.S. citizen adults aged 16 and older receive passports that are valid for 10 years.
• Always carry your passport book with you when traveling to another country in the Schengen area. Even if there is no border check at that time, officials may reinstate border controls without notice.
• Be prepared to explain your purpose of travel.
• Be prepared to provide proof of sufficient financial resources for the visit.
• Comply with other entry requirements for each country you will visit or transit.

On our Country Information pages , you can find passport validity requirements and other important information for your destination country. If your passport does not meet the Schengen requirements, you may be:

• Refused boarding by the airline at your point of origin or while transferring planes.
• Denied entry when you arrive in the Schengen area, regardless of how long you will stay.

An immigration official will determine if you qualify for visa-free entry to the Schengen area when you first cross any external Schengen border. You will have to present your passport at that time. The officer may deny your entry if you do not qualify.

You should also check passport validity requirements if traveling onward from the Schengen area to a country outside the Schengen area. You can find this information in our Country Information pages.

HOW LONG CAN I REMAIN?

• With a valid U.S. passport book, you can stay up to 90 days in the Schengen area for tourism or business during any 180-day period. You must wait an additional 90 days before applying to re-enter the Schengen area.
• If you plan to stay in the Schengen area longer than three months, contact the embassy of the country where you plan to spend the majority of your time and apply for a visa.

Countries in the Schengen area may reinstate temporary internal or external border control without notice. U.S. citizens should carry their U.S. passport book at all times when entering or leaving the Schengen area. They should also bring it when traveling between Schengen countries.

How can the U.S. government help me if border officials do not let me enter?

• We can give you the contact information of foreign embassies of the countries you wish to visit.
• We can provide information about hiring an English-speaking foreign attorney overseas if you choose to do so.
• Note: We cannot influence a foreign government’s decision about allowing you to enter. We cannot intervene in another country’s criminal or administrative procedures.

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A U.S. pact aims to help Ukraine’s military into the future, officials say.

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By David E. Sanger

Traveling with President Biden at the G7 summit in Italy

• June 13, 2024

President Biden signed a 10-year security agreement with President Volodymyr Zelensky of Ukraine on Thursday, an effort to signal a long-term American commitment to Ukraine’s future as an independent and sovereign state at a time when the war set off by Russia’s full-scale invasion is deep into its third year. But the accord could easily be upended by the coming American presidential election.

The deal outlines a long-term effort to train and equip Ukraine’s forces, provide more modern weapons and help the Ukrainians build their own self-sustaining military industry that is capable of producing its own arms.

Speaking at the Group of 7 summit in Italy on Thursday, Mr. Biden said the agreement was designed to make Ukraine self-sufficient and put the country on the road to NATO membership. The accord is essentially an executive agreement between two presidents.

“Our goal is to strengthen Ukraine’s credible defense and deterrence capabilities for the long term,” Mr. Biden said. “A lasting peace for Ukraine must be underwritten by Ukraine’s own ability to defend itself now and to deter future aggression.”

The pact is modeled on the kind of long-term security agreements that the United States has with Israel . But the “Israel model” is based on a congressional agreement to provide billions of dollars in aid. The agreement with Ukraine carries a commitment by the Biden administration only to work with Congress on long-term funding.

Given the bitter monthslong wrangling over the $60 billon in aid to Ukraine that Congress passed this spring, there is little appetite for bringing the issue up again until next year. If Mr. Biden were no longer in office, that commitment would mean little.

The new accord does not commit the United States to send forces in to defend Ukrainian territory. According to two administration officials, it requires the United States to “consult” with Ukraine about its needs within hours of any attack on the country.

NATO membership for Ukraine — which President Biden has opposed while the war with Russia is still being fought — might compel the U.S. to send forces if the country was re-invaded by Russia. That is one reason Mr. Biden has resisted.

While Mr. Zelensky embraced the agreement at the news conference with President Biden on Thursday, the Ukrainians are skeptical of these accords. Without congressional funding, the support is largely rhetorical.

Ukrainian officials often talk about the emptiness of the accord known as the Budapest Memorandum , a political agreement signed in December 1994 in which Ukraine agreed to give Russia old Soviet nuclear weapons that had been based in Ukrainian territory. In return, the memorandum committed Russia, the United States and Britain to seek help for Ukraine from the United Nations Security Council if it “should become a victim of an act of aggression or an object of a threat of aggression in which nuclear weapons are used.”

When Russia annexed Crimea two decades later, in 2014, Western nations said that Russia had violated its commitments to Ukraine, and they made a similar case in 2022, when President Vladimir V. Putin invaded the entire country. The Russians denied that claim, saying the accord had only committed them not to use nuclear weapons against Ukraine.

Speaking to reporters on Air Force One on Wednesday night as Mr. Biden flew to Italy for the G7 summit, Jake Sullivan, the national security adviser, said that the situation was radically different today, and that the United States and the West had already provided Ukraine with tens of billions of dollars in aid.

The new arrangement with Ukraine is not a treaty, so it does not require American security guarantees the way that mutual defense treaties with Japan, South Korea and the Philippines do. And because it is essentially an executive agreement, Donald J. Trump, if re-elected, could abandon the deal, as he abandoned the 2015 nuclear agreement with Iran in 2018.

Tim Balk contributed reporting.

David E. Sanger covers the Biden administration and national security. He has been a Times journalist for more than four decades and has written several books on challenges to American national security. More about David E. Sanger

• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

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

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

Our Picks for the Best Travel Insurance Companies

Best overall: nationwide travel insurance.

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

Best for Road Trips: Travelex Travel Insurance

How we rate travel insurance »

Compare the Best Travel Insurance Companies

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

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

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

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

• Cancel for any reason coverage available

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

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

Read our Nationwide Travel Insurance review here.

Best Travel Insurance Runner-Up: AXA Assistance USA

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

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

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

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

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

Read our AXA Assistance USA Travel Insurance review here.

Best for Cruises: AIG Travel Guard

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

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

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

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

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

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

Read our AIG Travel Guard review here.

Best for Reputation: C&F Travel Insured

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

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

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

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

Read our C&F Travel Insured review here. 

Best for Pre-Existing Conditions: Tin Leg Travel Insurance

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

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

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

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

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

Read our Tin Leg Travel Insurance review here.

Best for Digital Nomads: WorldTrips Travel Insurance

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

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

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

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

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

Read our WorldTrips Travel Insurance review here.

Best for Affordability: Trawick International Travel Insurance

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

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

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

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

Read our Trawick Travel Insurance review here.

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

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

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

Travelex Travel Insurance  offers three plans:

• Travel Basic
• Travel Select
• Travel America

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

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

Read our Travelex Travel Insurance review here.

Introduction to Travel Insurance

Why travel insurance is a must-have.

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

Understanding Different Types of Travel Insurance

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

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

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

Trip Cancellation and Interruption Benefits

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

Coverage for Personal Belongings and Baggage Loss

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

Support and Assistance Services

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

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

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

Understanding the Policy's Fine Print

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

Customer Reviews and Feedback

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

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

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

Steps to Take When a Problem Arises

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

How to Pick the Best Travel Insurance Company for You

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

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

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

How We Reviewed the Best Travel Insurance Companies

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

Guide Methodology: What We Considered

Policy Types

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

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

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

Convenience and Flexibility

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

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

Claims Handling

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

Ease of Use and Support

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

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

Best Travel Insurance FAQs

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

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

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

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

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

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

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

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