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You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

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Best Annual Travel Insurance in February 2024

Carissa Rawson

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

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Top annual travel insurance options

Let’s take a closer look at our top recommendations for annual travel insurance.

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Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

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Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

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What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

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Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

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

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

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The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

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AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

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If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

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See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

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Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

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The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

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The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

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In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

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Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

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You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

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See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

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See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

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Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

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See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

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World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

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

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

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There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

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Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

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If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

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For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

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

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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Everything you need to know about travel insurance before you book your next trip


With more and more people traveling , travel disruptions have increased. You might be ready to book your next vacation, but it's smart to consider buying a comprehensive travel insurance policy that will protect you from financial losses you may incur due to unexpected issues both before you travel and during your trip.

"Travel insurance is often an overlooked investment until the unforeseen happens," says Beth Godlin, a spokesperson with Aon Affinity Travel Practice . "It's designed to give travelers peace of mind and financial protection against the risks of travel."

While some travelers decline purchasing travel insurance because they think it will be costly, Godlin says it doesn't have to be expensive and notes "purchasing it adds an extra layer of protection and security." 

Travel insurance is obviously valuable for big-ticket trips, such as a luxury cruise, safari or multi-city international vacation, but it can even be helpful when you're staying closer to home. "When deciding if travel insurance is right for you, I suggest asking yourself what you could stand to lose if you had to cancel last-minute," says Godlin.

CNBC Select spoke to experts in the travel insurance space to get their best advice on everything consumers need to know about travel insurance.

How to find an insurance carrier

Purchasing travel insurance is relatively easy, and there are lots of different options in the marketplace. If you have never purchased a travel insurance plan, a good place to start is sites like InsureMyTrip.com , CoverTrip or Squaremouth , which let you compare different carriers based on both price and coverage. You simply fill out a brief questionnaire about the trip and the traveler.

The benefit of using aggregator sites is shoppers have the ability to view the entire travel insurance marketplace and compare policies all in one place. Squaremouth also provides verified customer reviews to help travelers feel confident about the policy they are purchasing. 

There is no charge to use Squaremouth, as they receive commission on every sale directly from the provider, and do not charge any type of fee to consumers.

Beyond comparison sites, you can always visit a specific travel insurance carrier's website for a quote or call the company's toll-free customer service number for information.

CNBC Select has reviewed many of the top travel insurance companies and named AXA Assistance USA Travel Insurance as the best choice overall with three tiers of coverage to choose from and a high financial strength rating. Our runner-up was Travel Guard® Travel Insurance for its offerings available online and coverage for one related child age 17 or younger.

AXA Assistance USA Travel Insurance

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

Policy highlights

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

24/7 assistance available

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

If you're using a site like Expedia , for example, to book your reservations, you usually have the option to purchase travel insurance, too, through a third-party provider. You should make sure to carefully review the full details of the policy, because the plans are based around the trip elements (hotel, flight, rental car) and could differ every time you book, and you want to make sure you understand what you're getting.

What does travel insurance cover?

Travel insurance can vary, but policies generally provide coverage for three things: protection for your financial expenses, protection for your well-being and protection for your personal belongings.

When shopping for a policy, look for these benefits:

Trip cancellation coverage  

Your travel insurance policy can reimburse you for prepaid, non-refundable trip deposits if a trip is canceled for a covered reason. These outlays can include airline tickets, hotel rooms, rental cars, tours and cruises, says Daniel Durazo, spokesperson with Allianz Travel Insurance .  

Examples of acceptable reasons to cancel a trip include illness, injury or death of the traveler, a close family member or a traveling companion; military deployment or civil unrest; a serious family emergency, even unplanned jury duty.

Other reasons include: your travel supplier stops offering services for 24 hours due to a natural disaster, severe weather or a strike, your home or destination becomes uninhabitable or you or a traveling companion lose your job after you purchase your policy.

You typically can't cancel your trip for any reason and expect to be reimbursed just because you have travel insurance. For example, if you have a fight with your friend and don't want to travel with her, or you change your mind about taking a long-haul flight to Hawaii, these are not covered reasons. 

If you want the highest level of flexibility to make changes to your trip, consider adding "cancel for any coverage" to your policy. Cancel For Any Reason (CFAR) plans will bump up the cost of your travel insurance by about 40%, but it gives you the latitude to cancel your trip if you need to as long as you meet certain requirements like canceling no later than 48 hours before your scheduled departure. 

You won't be reimbursed for 100% of your trip costs. Typically, CFAR coverage will reimburse between 50 to 75% of trip expenses.

Trip delay coverage 

Should you experience a hiccup in your travel itinerary, your travel insurance policy can provide some financial relief. 

"Travel delay coverage provides reimbursement if a traveler is delayed for one of the policy's covered reasons," says Megan Moncrief, a spokesperson with Squaremouth. "This benefit will typically reimburse for expenses such as food, lodging and local transportation that are incurred during the delay."

Covered reasons will generally include severe weather, airline maintenance or civil unrest.

There's often a waiting period before your benefits kick in.

"In order for a traveler to become eligible for this benefit, they must be delayed for the amount of time listed on their policy," says Moncrief. "Some policies are very lenient and provide benefits available for any length delay, while other policies will specifically list a length requirement. This typically ranges from three to 12 hours. All travel delay policies will come with a daily limit, as well as a policy limit ranging from a couple hundred to a couple thousand dollars."

Daily limits typically range from $150 to $250 per traveler, while the policy limit can range from $500 to $2,000, Moncrief says. It's very important to save all your receipts as you will be required to submit them with your reimbursement claim.

Don't miss: The best credit cards with trip delay insurance

Trip interruption coverage

Should you need to cut your trip short due to illness or injury you experience during your trip, or if there's a family emergency back home, your policy may reimburse non-refundable expenses you forfeit if you return home early.

Your policy may also cover the cost of a one-way economy airline ticket home. Not all reasons are covered, however. For example, if your beach vacation is a washout or you miss your new puppy, your trip interruption benefits won't apply.

Medical expenses and emergency-evacuation benefits

If you're traveling within the U.S., your personal health insurance should cover any illness or injury you sustain while you are on a trip. But if you're traveling to a foreign country, your U.S.-based health plan will provide zero or very little coverage, and Medicare isn't accepted abroad, so it's good to sign up for additional coverage. 

"Domestic healthcare plans are usually not accepted outside the U.S., so it's especially important to get travel insurance with medical coverage and emergency medical transportation when traveling internationally," says Durazo. "If you do become ill or injured while traveling, these benefits can cover your medical costs including doctors' fees and hospital costs." 

In addition, your travel carrier's customer support hotline can help. "Allianz's 24/7 assistance team can coordinate your care with the doctors treating you in your destination, as well as ensure you're at an appropriate medical facility up to U.S. standards," he says.

Even more expensive than medical treatment is an emergency medical evacuation, something the right travel insurance policy can arrange and cover. "Medical evacuation and transport costs range from $15,000 to $200,000+, depending on the traveler's health condition and their location in the world," says Durazo.

"If you're heading overseas, you'll need the additional protection of emergency medical benefits and emergency medical transportation benefits," he adds. "And if you're visiting more remote areas, there's always a chance you may need emergency medical transportation to get you to an appropriate health care facility."

Find the best credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

Baggage loss

Should your checked baggage take a detour and not arrive at your destination, your travel insurance policy could be a saving grace. 

"If your travel insurance plan includes baggage benefits, your insurer can reimburse you, up to the maximum shown on the Confirmation of Coverage, for covered loss, theft or damage to your baggage and personal items," says Durazo. "Every plan has specific coverage limits for each benefit, which are outlined in the plan documents."

For example, Allianz Partners' OneTrip Prime plan , covers baggage loss up to $1,000 and baggage delay up to $300 while the OneTrip Premier includes up to $2,000 in baggage loss/damage and up to $600 for baggage delay.  

Your personal possessions are also covered if lost or stolen while you're traveling. "Travel insurance can reimburse you for the actual cash value, repair or replacement — whichever is less, based on the limits in your insurance policy's letter of confirmation," says Durazo.

You must report losses to your airline, airport, police or other relevant authority like a tour operator or hotel manager. You will need this documentation when you file a claim.

Not all items are covered by your travel insurance policy. For example, cash is not reimbursable, and many policies won't cover very expensive jewelry, art, antiques or heirloom items. To reduce the risk of losing irreplaceable items, don't bring these items on vacation. And make sure to read your policy carefully to see what is covered.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

What you should know about Covid-19 and travel insurance

When it comes to Covid coverage , travel insurance plans can vary from one another, so you should read your policy carefully and ask your insurance provider if you have questions, says Godlin.

Also, regulations around travel have evolved during the pandemic, with some countries requiring specific travel insurance coverage for entry. "As a result, we're seeing new policies emerge to directly meet those needs," she says. 

How much is travel insurance?

Travel insurance can vary a lot depending on how much coverage you're getting and how expensive your trip is. CoverTrip advises its customers that travel insurance plans cost between 4 to 10% of the total trip cost. So if you're spending $5,000 on a European tour, your insurance could be anywhere from $200 to $500.

Of course, there are budget plans out there that could cost (and cover) less. And you could also shell out for premium coverage so you can take advantage of a "cancel for any reason" policy. Whichever plan you choose, make sure you read the fine print so you understand what you're paying for.

Your credit card may offer built-in travel protection

You may have a credit card in your wallet that offers travel insurance . "Travel insurance is a common benefit for credit cards that often comes at no additional cost to the cardholder," says Francis Hondal, president of loyalty and engagement with MasterCard. "It can also be extremely easy to take advantage of it—the key is knowing what coverage you have so you don't waste money on additional coverage you don't need."

Coverage is automatic when you make a relevant purchase, she says. "So, for instance, if you have trip cancellation insurance on a card, you're covered when you book a flight using that card. Same goes for checking your bag and activating your lost luggage protection," Hondal says. 

It's important to know if and how you're covered when making travel-related purchasing decisions. Mastercard offers a digital insurance platform, mycardbenefits.com . You can usually find more information on your credit card's website.

To ensure you reap the travel insurance benefits your card offers, you must charge the trip expenses on your card.

"Where credit card travel insurance can shine is if you run into weather problems or mechanical delays, or if you get sick while traveling or even if your luggage gets lost or delayed," says Ted Rossman, senior industry analyst, Bankrate.com. 

The Chase Sapphire Reserve® is an industry leader in these areas, he says. It offers up to $10,000 per person and $20,000 per trip in the form of trip cancellation/trip interruption coverage. If you run into a flight delay lasting at least six hours, you can get up to $500 per ticket to book a different flight, stay in a hotel, buy food, etc. 

If your luggage is late, you can get up to $100 per day for up to five days to buy necessities. 

"If something really bad happens while you're abroad, [Chase Sapphire Reserve travel insurance] will pay for up to $100,000 of emergency evacuation and transportation coverage," says Rossman. "And the Sapphire Reserve also gives primary rental car insurance benefits, meaning that you can decline the rental car company's expensive coverage, and you won't need to go through your personal car insurance if you get into an accident while renting a car."

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Rossman says another good pick is the Chase Sapphire Preferred® Card which also has very good coverage although slightly less coverage than the Sapphire Reserve card, in line with a lower annual fee. Even the no-annual-fee Chase Freedom Flex℠ gives up to $1,500 per person and up to $6,000 per trip in trip cancellation/trip interruption coverage, Says Rossman.

For more information on cards that offer travel insurance, check out CNBC Select's round-up of the best travel credit cards .

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater


Read our Chase Sapphire Preferred® Card review .

Is travel insurance worth it?

Travel insurance can be useful in many scenarios, from a medical emergency forcing you to cut your trip short to a tropical storm ravaging your destination. If you've spent a lot of non-refundable money on your trip, you could be at a loss if something goes awry.

There are several scenarios where travel insurance could be worth it , including if:

  • You're traveling internationally where your US-based health insurance won't apply
  • You've spent a lot on prepaid, non-refundable expenses
  • You're traveling to a remote area
  • Your flight involves multiple connections or destinations

For those who have spent a good amount of money on their trip, getting trip insurance generally makes sense whether that's through a separate policy or through a credit card you booked the trip with.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.


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Best Travel Insurance Companies of February 2024

Get travel insurance for as low as $43 with one of our top providers

via Faye’s secure site

Sarah Horvath Photo

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Mark Friedlander Photo

Mark Friedlander is Director, Corporate Communications, at the Insurance Information Institute (Triple-I), a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance. Mark serves as a national spokesperson for the Triple-I, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach in Florida, where he is based.

After reviewing dozens of companies , our team found that Faye, Travelex and Nationwide are the best travel insurance providers, offering a variety of protections and policy options. However, the right policy for you might vary depending on your coverage needs and travel plans.

Travel insurance is a type of financial protection that offers reimbursement if your trip gets canceled, you incur medical bills abroad, and for other situations like missed flight connections and baggage delays. The right travel insurance policy offers peace of mind in protecting your trip in case of an unexpected accident or cancellation.

Faye Logo

Our Rankings of the Best Travel Insurance Companies of 2024

After reviewing dozens of travel insurance providers operating throughout the U.S., the following are our top recommendations.

  • Faye : Our top pick
  • Travelex Insurance : Our pick for budget travelers
  • Nationwide Travel Insurance : Our pick for cruise travel
  • Seven Corners Travel Insurance : Our pick for international travelers
  • AIG Travel Guard : Our pick for families
  • Generali Global Assistance : Our pick for emergency assistance
  • Trawick International : Our pick for college students
  • John Hancock Travel Insurance: Our pick for delay coverage
  • Tin Leg Travel Insurance : Our pick for customizable coverage
  • International Medical Group : Our pick for medical coverage
  • Berkshire Hathaway Travel Protection : Our pick for luxury travelers
  • GoReady Travel Insurance: Our pick for immediate reimbursement
  • WorldTrips Travel Insurance: Our pick for hunters
  • Travel Safe Insurance: Our pick for additional AD&D coverage
  • HTH Travel Insurance : Our pick for group travel
  • AXA Assistance USA : Our pick for leisure travelers
  • Allianz Global Assistance : Our pick for business travelers

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies

Comparing travel insurance providers can help you find the best possible coverage for your needs — whether you are looking for a low price, special cruise inclusions or another important feature. Use the table below for a glance at a few of our top providers.

Top Travel Insurance Providers in Detail

Learn more about each of our top travel insurance companies, including the average policy costs our team determined by examining and averaging quotes for four unique trips.


  • Average cost: $298
  • Trip cancellation max: 100% of trip cost
  • Medical coverage max: $250,000

Why We Picked Faye Travel Insurance

As a platform that prioritizes a digital, entirely online experience, Faye can be an ideal choice if you’re shopping for last-minute coverage. Simply answer a few questions about your upcoming trip, adjust your coverage limit and buy a comprehensive travel insurance plan in just a few minutes. While Faye offers only one plan choice, its general coverage inclusions may be a good fit for vacationers seeking quick coverage.

Pros & Cons

Coverage overview.

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

  • Cancel for any reason (CFAR) 
  • Rental car damage or theft
  • Adventure and extreme sports protection 
  • Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

We obtained premium costs for seven trips as outlined in our review methodology, and Faye’s average trip cost is $297.87.


  • Average cost: $212
  • Medical coverage max: $50,000

Why We Picked Travelex

Travelex is our top choice for travel insurance taking budget vacations and trying to prioritize price over other factors. Travelex’s policies are exceptionally low-cost — depending on your vacation’s value, you could qualify for flat-rate coverage of $60 per traveler. It also offers a flat-rate Travel America plan for domestic trips.

Travelex’s base plan, the Travel Basic coverage, includes 100% protection for both trip cancellation and interruption. It also includes $15,000 worth of emergency medical coverage, $100,000 in emergency evacuation coverage and $500 for lost baggage. Travelex’s Travel Select plan extends additional coverage, such as sporting equipment delay benefits of $200 and you can include kids with your policy.

Travelex offers the following add-ons for the Travel Select policy:

  • CFAR coverage (50% reimbursement)
  • Medical expense extension (extends coverage to $50,000)
  • Adventure sports waiver for medical expenses coverage
  • Accidental death and dismemberment (AD&D) extension (extends coverage to $25,000)

We obtained premium costs for seven trips as outlined in our review methodology, and Travelex’s average trip cost is $242.

Nationwide Travel Insurance

Nationwide Travel Insurance

  • Average cost: $175
  • Trip cancellation max:  $30,000 or 100% of trip cost
  • Medical coverage max: $150,000

Why We Picked Nationwide

If you’re planning a cruise vacation , you may have already considered a range of hazards that can specifically impact ship vacations. For example, even a minor flight or trip delay can result in a complete loss of your total trip cost if you miss your cruise departure. Nationwide is one of the best travel insurance companies for cruisegoers, offering three levels of cruise-specific coverage. These plans include items like coverage for mechanical breakdown and terrorism in destination cities, which are not usually included under standard travel insurance plans.

Nationwide offers three levels of cruise coverage: the Universal, Choice and Luxury cruise policies. As the names suggest, each tier covers varying levels of cruise expenses. For example, the Universal policy covers $500 worth of expenses related to missed connections while the Luxury policy offers $2,000.

Nationwide offers the following add-ons for its cruise coverage:

  • AD&D benefits
  • CFAR coverage (up to 75% of trip costs)
  • Vendor financial default coverage
  • Interruption for any reason (IFAR) coverage
  • Pre-existing conditions waiver
  • Rental car collision damage

In addition to cruise coverage, Nationwide also offers the following two travel insurance plans, which include standard baggage and cancellation insurance.

Seven Corners Travel Insurance

Seven Corners Travel Insurance

  • Average cost: $216
  • Trip cancellation max: 100% of trip costs, up to $100,000
  • Medical coverage max: $1 million

Why We Picked Seven Corners

If you’re a frequent international traveler or traveling on a student visa outside the U.S., it can be more affordable to purchase an annual plan rather than multiple single-trip plans. Seven Corners provides an annual plan with up to $1 million in emergency medical coverage, $100 in coverage per travel delay, $5,000 in trip interruption coverage and more. While this plan does not include trip cancellation benefits or extensive delay protections, it can be a cost-effective option for frequent travelers.

In addition to annual coverage, Seven Corners also offers two plans for single-trip coverage. These options include standard medical, trip cancellation, interruption and emergency evacuation protections with coverages of up to $1 million. Worldwide, 24/7 travel assistance is also included with all plans, which can be useful for international travelers.

Seven Corners’ annual plan includes a wide range of coverages, including:

  • $5,000 in trip interruption protection
  • $1 million in medical and healthcare coverage
  • $25,000 worth of AD&D coverage
  • $100 per day in trip delay benefits (with a maximum of two days)
  • $50 worth of coverage for each lost bag, up to $500

It also includes extra benefits for items like lost travel documents and baggage delays but does not cover trips within the U.S. Policies include a range of deductibles between $0 and $500 — note that selecting a lower deductible will come with a higher premium.

You can purchase the following add-ons to enhance travel insurance coverage with Seven Corners:

  • Event ticket registration fee protection
  • Sports and golf equipment rental
  • IFAR coverage (up to 75% of trip costs)

In addition to multi-trip, annual plans, Seven Corners also offers the following single-trip options.

AIG Travel Guard

AIG Travel Guard

  • Average cost: $251

Why We Picked AIG

When shopping for travel insurance as a group or family, high combined premiums might deter some customers from purchasing coverage. We chose AIG Travel Guard as the best travel insurance provider for families because select plans — like the Deluxe policy — include one child under the age of 17 with the purchase of adult coverage. AIG also offers generous discounts on group travel coverage, which you can purchase with just a few clicks online. This can make AIG a solid choice for anyone looking for last-minute trip cancellation insurance.

AIG’s primary travel insurance product is its international travel plans, which provide 100% trip cancellation insurance, up to $1,000 in trip delay coverage, up to $1 million in medical evacuation coverage and other benefits commonly found with competitors. It also offers two unique policy options: the quick approval Pack-N-Go plan and an annual plan for frequent flyers.

AIG offers three travel insurance plans, all of which include family coverage:

It also offers the following add-ons:

  • CFAR coverage (up to 50% reimbursement)
  • Missed connection benefit ($150)

Generali Global Assistance

Generali Global Assistance

  • Average cost: $255

Why We Picked Generali Global Assistance

We chose Generali as the best emergency assistance coverage because it offers 24/7, concierge-level service that can help travelers in a variety of situations. Generali’s travel professionals are multilingual, a benefit if you’re traveling to an area where you cannot speak the primary language. Generalis higher coverage tiers also include unique protections like rental car and sports equipment coverage, which are usually offered as add-ons.

Generali offers three plan tiers: Standard, Preferred and Premium. The Standard Plan includes a variety of benefits, including 125% trip interruption coverage, $150 per day toward delay-related expenses, $250,000 in medical evacuation coverage, $50,000 worth of medical coverage and more. Preferred and Premium plans extend benefits included with the Standard Plan and add some extras — like sports equipment coverage and rental car collision insurance.

Generali offers the following add-on options:

  • Rental car damage
  • CFAR coverage (up to 60% reimbursement)

Trawick International

Trawick International

  • Medical coverage max:  $250,000

Why We Picked Trawick International

While Trawick offers more than 20 individual travel insurance policies with standard inclusions, it is most notable for its unique options for students studying abroad. The International Student and Scholar Medical Evacuation plan is an affordable choice that meets the requirements of multiple international visas requiring evacuation insurance. It also offers annual trip cancellation plans and coverage formatted for other types of international visa requirements — making shopping easier compared to other providers.

With more than 20 individual plan options, Trawick offers a range of coverage selections. We suggest reviewing each plan option to verify it has the coverage you need, especially if you are traveling on a visa. Compare a few of the company’s most popular policies using the table below.

Add-On Options

Coverage add-ons are not available on Collegiate Care plans.

John Hancock Travel Insurance

John Hancock Travel Insurance

  • Average cost: $225
  • Trip cancellation max: 100% of trip costs

Why We Picked John Hancock

John Hancock’s highest tier of travel insurance coverage includes the most generous delay benefits of the providers on our list, with up to $1,000 in total coverage after a delay of just three hours. When compared to other travel insurance providers which may require a delay of up to 12 hours to qualify for benefits, John Hancock can be a strong choice if you think you could face a travel delay.

John Hancock offers three tiers of travel insurance coverage: Bronze, Silver and Gold. The table below summarizes the coverage inclusions in each plan.

John Hancock also offers the following add-on options, which are available with all tiers of coverage.

  • CFAR (up to 75% reimbursement)
  • Rental car collision (secondary coverage up to $50,000)
  • $300,000 or $500,000 worth of AD&D coverage

Tin Leg

  • Average cost: $186
  • Medical coverage max:  $500,000

Why We Picked Tin Leg

Tin Leg is a unique travel insurance provider, offering eight individual policy options. With a different level of coverage included in each plan, Tin Leg makes it easy to choose a plan that only includes the protections most important to you. Tin Leg’s policies are also exceptionally affordable , with individual policies available for less than $75 for many trips. Add-on options make policies even more customizable, securing Tin Leg’s spot as the travel insurance provider with the best customization options.

With eight travel insurance policies, Tin Leg’s medical insurance benefits range from $20,000 to $500,000, and its trip interruption coverage ranges from 100% to 150%. Most policies also include unique extra coverages not found with some other providers — like sports equipment loss and missed connections. The table below summarizes the key coverage included with three of Tin Leg’s most popular plans.

You can also upgrade your plan with the following add-on options — though available choices will vary depending on your base policy selection.

  • CFAR coverage
  • Financial defaults
  • Cancel for work reasons
  • Terrorism disruption
  • Employment layoff
  • Missed connections
  • Sports and activities coverage
  • Identity theft

International Medical Group

International Medical Group

  • Average cost: $217
  • Medical coverage max:  $8 million

Why We Picked IMG

If you’re looking for the most comprehensive medical coverage possible, we recommend getting a quote from International Medical Insurance (IMG). IMG offers a range of customizable plan options that allow you to add up to $8 million in medical coverage. If you have health concerns or you’re an older traveler, IMG’s higher-than-average medical limits can help cover pre-existing conditions.

In addition to higher medical limits, IMG also offers a streamlined buying process and a wide range of policy choices. Simply answer a few questions about yourself, your trip and the levels of coverage you need to view which IMG policies are most popular among travelers like you. Specialized policies are available for students and senior travelers , as well as policies that meet local health insurance visa requirements.

IMG offers both specialized travel insurance policies and general coverage with its iTravelInsured series. The iTravelInsured policies are available for both international and domestic trips. IMG also offers Patriot international travel plans, which include higher medical limits but cannot be purchased for domestic trips. All policies include 24/7 travel assistance.

The table below summarizes major coverage inclusions on some of IMG’s most popular plans.

IMG also offers the following add-ons to cover the following:

  • CFAR coverage (up to 75% reimbursement)
  • Change fees
  • IFAR coverage
  • Natural disaster evacuation
  • Political and personal security evacuation
  • Rental car damage and theft
  • Search and rescue
  • Sports equipment rental

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

  • Average cost: $227
  • Medical coverage max: $100,000

Why We Picked Berkshire Hathaway

If you’re planning a luxury vacation, you might have trouble finding an insurance provider that can insure the full value of your trip. Berkshire Hathaway’s LuxuryCare travel insurance plans provide coverage for 100% of your trip costs up to $100,000. It also offers a series of lower-priced standard travel plans, including an AdrenalineCare policy specifically for sports travelers.

In addition to covering high-value trips, LuxuryCare coverage also includes a range of covered cancellation reasons that go beyond most other travel insurance providers. For example, you may qualify for a covered cancellation reimbursement if your child’s school calendar changes or if you or your partner becomes pregnant. If you’re looking for more flexible coverage on a higher-value trip, Berkshire Hathaway is worth checking out.

Berkshire Hathaway offers three general plans and more specialized coverage options. You’ll find a series of nine total plan options in most parts of the country, but we recommend the all-inclusive LuxuryCare and ExactCare Extra plans for high-value vacations.

The table below summarizes the inclusions found on some of Berkshire Hathaway’s most popular travel insurance plans.

Berkshire Hathaway allows you to add the following add-on options to your plan:

  • CFAR upgrade (up to 50% trip reimbursement)


  • Average cost: $173

Why We Picked GoReady Travel Insurance

GoReady is our top choice for quick reimbursements thanks to its shorter claims processing time. While the company does not guarantee a specific reimbursement period, it offers “Stress Less Benefits” to speed up your payment as much as possible. These benefits include a 24/7 claims processing team that goes above and beyond to assist you in filing paperwork, gathering supporting documents for your claims and managing your benefits. This can be useful for new travelers or those who are purchasing travel insurance for the first time.

GoReady offers six single-trip plan options and two annual plan choices. Medical coverage limits range from $50,000 to $250,000, with the highest tier including a $1,500 supplement for dental coverage. This is twice the coverage offered by most other competing travel insurance providers. The chart below summarizes other inclusions on three of GoReady’s most popular single-trip plan options.

Depending on your trip type, you may also be able to purchase the following add-ons:

  • CFAR coverage (up to 75% trip cost reimbursement)
  • Sports equipment delay
  • Electronic and professional business equipment delay
  • Cancel for work-related reasons

WorldTrips Travel Insurance

WorldTrips Travel Insurance

  • Average cost: $191
  • Medical coverage max:  $150,000

Why We Picked WorldTrips Travel Insurance

If you’re participating in an international hunting excursion, you might have trouble finding an insurance provider to insure your firearms or other equipment. Some travel insurance providers may even classify a hunting trip as a higher-risk expedition and limit medical coverage unless you opt for an adventure sports add-on. WorldTrips offers additional cancellation benefits for hunting and fishing activities with its add-on coverage option and classifies these trips as standard travel.

WorldTrips has three standard travel insurance policies: Economy, Preferred and Premier. These policies offer the standard range of coverages, including up to 150% in trip interruption coverage and $150,000 in medical care coverage. The table below summarizes the coverage included in each plan.

WorldTrips also offers the following add-on options:

  • CFAR coverage (50% or 75% trip cost reimbursement)
  • Destination wedding cancellation coverage
  • Adventure sports
  • Vacation rental accommodation issues
  • Cancellation for academics, sporting events, volunteer and mission programs
  • Hunting and fishing activities
  • Primary coverage for emergency accidents and sickness
  • Medical evacuation to a hospital of choice
  • Increased medical maximum benefit limit
  • Primary coverage for baggage damage or loss

TravelSafe Insurance

TravelSafe Insurance

  • Average cost: $241
  • Medical coverage max:  $100,000

Why We Picked TravelSafe

AD&D insurance is a type of travel insurance protection that compensates you or your surviving family members if you lose your life or become seriously disabled abroad. While many companies exclude AD&D coverage from standard travel insurance policies, TravelSafe allows you to add up to $500,000 in coverage for air accidents on both of its plans. TravelSafe’s Classic plan also includes up to an additional $25,000 in AD&D insurance. These policy options may make TravelSafe a more appealing choice for those traveling alone or travelers without a life insurance policy to protect their surviving family.

Both of TravelSafe’s travel insurance policies allow you to add up to $500,000 in flight-related AD&D coverage, plus the Classic plan includes $25,000 in additional AD&D benefits for non-flight incidents. Take a closer look at each of TravelSafe’s policies below.

You can also add the following benefits, which vary in availability depending on the plan you select. All add-ons are available for the Classic plan.

  • Flight-related AD&D coverage
  • Business equipment coverage
  • Sports equipment coverage

HTH Travel Insurance

HTH Travel Insurance

  • Average cost: $221

Why We Picked HTH Travel Insurance

If you’re planning a group vacation, you may prefer insurance providers that specialize in providing coverage for more than one person at a time. HTH Worldwide’s group travel insurance policies include similar benefits found with other providers — plus a 10% discount on your policy for each person you add. Depending on the total cost of your trip, taking advantage of HTH’s group discount benefits could save you thousands of dollars.

HTH’s primary travel insurance series is its TripProtector plans, which includes three tiers of coverage. Trip interruption is available up to 200% on the Preferred plan, and medical limits are higher than many other providers, with coverage up to $500,000. The chart below summarizes the coverage found on HTH’s primary plans.

HTH offers the following coverage add-ons for individual and group plans:

  • CFAR upgrade (up to 75% of trip costs)

AXA Assistance USA

AXA Assistance USA

  • Average cost: $230

Why We Picked AXA Travel Insurance

If you’re planning a trip to a resort, you may have booked skiing days, rounds of golf or other onsite excursions. AXA Assistance’s Platinum coverage tier includes a few unique leisure inclusions, like up to $500 to cover lost rounds of golf and $1,000 in sports baggage protection. AXA can also be a valuable choice if you are traveling with more expensive luggage, as the Platinum plan includes $3,000 in baggage protection.

AXA offers three tiers of travel insurance coverage: Silver, Gold and Platinum. The table below summarizes what’s included in each plan.

AXA also offers the following add-on coverages with the Platinum plan.

  • Collision damage waiver

Allianz Global Assistance

Allianz Global Assistance

  • Average cost: $265
  • Medical coverage max:  $75,000

Why We Picked Allianz Travel Insurance

Business travelers may need to book more frequent flights, increasing the possibility of losses relating to delays. Allianz is our top choice for business travelers thanks to its AllTrips Executive plan, which is an annual travel insurance policy that includes higher trip interruption and baggage loss limits. It comes with up to $1,000 in business equipment rental coverage in case your baggage is delayed, and benefits related to frequent flier miles and reimbursement programs.

In addition to its business traveler plan, Allianz also offers a series of three standard travel insurance plans. These policies offer a more comprehensive range of general coverage, including unique benefits on the Premier plan — like business and sporting equipment inclusions.

While Allianz’s business-oriented travel insurance can be a good choice for those traveling for work, standard travelers may find more value in Allianz’s single-trip OneTrip series. The table below summarizes coverage available on all three of Allianz’s plans.

You can add the following coverages to your Allianz travel insurance plan, whether you are planning a family vacation or traveling on business.

  • Pre-existing medical conditions waiver

What Does Travel Insurance Cover?

The specifics of what is covered under your travel insurance policy will vary depending on the provider you select. The following are some of the most common types of coverage you are likely to find as you get quotes from the best travel insurance providers.

cover more travel insurance comprehensive

Trip cancellation coverage compensates you for nonrefundable expenses, like your flight and lodging, if your trip gets canceled due to unforeseen circumstances, such as unforeseen weather events, a death in the family or the diagnosis of a major illness. You can check your travel insurance policy for specific coverages and exclusions. Most travel insurance companies provide 100% cancellation coverage for nonrefundable expenses when offering this type of protection.

Trip interruption coverage helps cover the cost of nonrefundable and return expenses if you’re forced to end your vacation early. For example, if you are visiting Peru and break your leg trekking the Colca Canyon, trip interruption insurance could assist you with the financial burden.

In this scenario, the policy could potentially cover the unused portion of your prepaid travel arrangements, such as accommodations, tours and activities you are unable to complete due to the unforeseen interruption. Additionally, it may help with the expenses associated with rearranging your travel plans and returning home, such as change fees for flights or additional accommodation costs.

The coverage is designed to provide a safety net for unexpected situations that could end your trip early, which is why it is usually included at a higher rate than trip cancellation insurance. The average travel insurance plans include 125% worth of interruption insurance, but some companies offer up to 200% of your trip value to pay for things like emergency flights home.

Baggage delay or loss coverage, a valuable component of travel insurance, offers financial protection if your checked luggage is delayed during your trip. So if an airline temporarily misplaces your belongings, this coverage can help ease the inconvenience by reimbursing you for essential items, such as toiletries and lost clothing. The average travel insurance provider offers about $100 per day for baggage delay, but some companies have a timeline for how long you must wait after a delay before you can claim this coverage.

cover more travel insurance comprehensive

Medical expense coverage is a component of travel insurance that helps you cover the cost of medical bills you incur if you get hurt or sick abroad. Depending on the health insurance you have in the U.S., your coverage may not extend to hospital bills to treat injuries and illnesses sustained outside of the country. For example, Medicare rules specify that coverage does not extend to most care received outside of the country. However, some private insurance companies may offer international medical coverage.

Medical expense coverage usually extends to all necessary medical services and care you receive after being hospitalized outside of the U.S. It could cover the cost of surgery, hospital bills and prescriptions while under the care of a physician. However, emergency medical coverage limits do not usually extend to medical transportation if you must be evacuated due to an injury or illness.

Travel insurance companies classify this coverage as medical evacuation insurance. Like other types of coverage included on a single policy, the upper coverage limit on medical evacuation protection is separate from your medical coverage limit. If you are traveling to a remote area without immediate hospital access, you may want to look for a travel insurance policy with higher evacuation coverage limits.

As you shop for insurance coverage, you will notice a list of covered reasons that entitle you to claims reimbursement. These usually include unforeseeable events, such as the death of a travel companion or an illness that requires hospitalization. Cancel for any reason (CFAR) coverage entitles you to partial reimbursement for nonrefundable trip expenses if you cancel your trip for reasons not listed in your policy.

For example, you could cancel your trip if your household air conditioning system breaks a week before your vacation and you have to use your vacation fund to pay for repairs. Under normal circumstances, trip insurance would not reimburse you if you wanted to cancel just to save some cash. However, if you opted for the CFAR upgrade, you can get a reimbursement up to the stated percentage, no matter why you cancel.

If you’re renting a vehicle on vacation, you may choose to add collision coverage. Just like the collision coverage found on your domestic auto insurance policy, this compensates you for damage to a rental vehicle if you’re involved in an accident. This coverage is usually not legally required to drive in another country but can help you cover repairs passed onto you by the rental car company if you’re involved in an accident.

What Is the Average Cost of Travel Insurance?

In our comprehensive review of the travel insurance market, our team found that the average cost of travel insurance was about 5% to 6% of a trip’s total value. This came out to an average price of $221 — the average traveler can expect a range of pricing between $70 and $300 for most trips. Get a quote from at least three travel insurance providers before purchasing coverage to be sure you’re getting the best price for your coverage needs.

The following table highlights the average cost of travel insurance based on the trips outlined in our methodology.

Factors That Impact The Cost of Travel Insurance

Travel insurance is not a one-size-fits-all plan, and the best travel insurance plan for you depends on your specific budget and needs. Several factors can determine how much your travel insurance will cost, including:

  • Your age: Some travel insurance companies increase cost and coverage amounts with age. As a general rule of thumb, you should expect to pay more the older you are. But typically prices are the same for travelers up to age 50 and then increase from there.
  • Trip cost: No surprise here — the more expensive the trip, the more it will cost the travel insurance company to reimburse you. As such, your travel insurance premium will increase alongside your reported total trip cost.
  • Plan type: There are all different types of travel insurance policies. The more protection you have, the more expensive your travel insurance cost will be. Some basic plans may only provide flight or medical protection, which will be cheaper options. If your plan covers multiple means of travel (like flights, rental cars, a cruise, etc.) or more risk-prone sports (like rock climbing), you’ll pay more.
  • Add-on coverages: Most plans will give you the option to add on certain features without having to upgrade your entire plan. For example, you may be able to buy basic flight insurance for $30 and add on CFAR coverage for an additional $30.
  • Number of travelers: While you can buy a single policy for multiple travelers, each traveler will have their own premium, which increases the total cost of the travel insurance. However, many travel insurance companies offer group discounts.
  • Destination: Your travel insurance provider will take the risk factor of your trip destination into consideration when determining the cost of travel insurance. Companies focus less on crime statistics and more on the likelihood of danger. For example, if you’re embarking on a rural jungle adventure, you’ll probably have a more expensive travel insurance cost compared to staying in a populous city with a high crime rate.
  • Trip length: Travel insurance cost is typically based on a percentage of your total trip cost, so you’ll likely pay more for your travel insurance the longer your trip is. That’s because longer trips are not only more expensive but also increase the chances of something going wrong.

How To Choose the Best Travel Insurance Company for Your Trip

Knowing what to look for when comparing travel insurance providers can help you more easily narrow down your search for coverage. Consider the following factors before you purchase trip coverage:

  • Trip value: The value and price of your trip play a major role in travel insurance pricing. If you’re insuring a higher-value vacation, you may want to look for policies with higher overall coverage limits and travel interruption reimbursements. If you’re taking a budget vacation, you might get the most value from an insurer that specializes in low-cost, affordable policies.
  • Your destination: It is also important to consider the amenities and your itinerary at your destination when shopping for coverage. For example, if you’re traveling to a remote area with a less robust medical system, you could be more likely to need a medical evacuation if you are injured. In this case, you would want to shop for policies with higher coverage limits on medical evacuation services.
  • Type of travel: If you’re taking a cruise, consider getting a quote from a travel insurance provider like Nationwide that offers cruise-specific coverage. While most travel insurance policies are designed to cover the basic risks associated with flying (lost luggage, missed connections, etc.), it is worth comparing policies that include coverage specific to your trip. For example, those traveling for work may prefer Allianz Global for its business-centered plans.
  • Health considerations: When thinking about your travel plans, consider if you could need medical services based on your health history and travel itinerary. If you’re older, have a pre-existing health condition , or plan to participate in physical activities or sports, consider a plan with higher medical expense limits.

How To Buy Travelers Insurance

The travel insurance providers on our list offer online quote systems that allow you to view pricing and policy options after entering some information about yourself and your trip. Alternatively, you can typically purchase coverage over the phone by getting in touch with a representative using the company’s customer service line.

As you prepare to purchase travel insurance, you want to keep a few details about your vacation handy, including:

  • The ages and names of everyone in your party
  • Your travel destination(s)
  • The dates you are traveling
  • Your total trip value, including flights, accommodations, baggage and other items you need to cover
  • The date of your initial trip payment

Each of these factors will play a role in the price you will pay for travel insurance coverage.

Who Needs Travel Insurance?

While most people can benefit from some level of travel insurance coverage, consider a policy if you are planning any of the following:

  • International trips: Embarking on international travel can expose you to unfamiliar healthcare systems, unpredictable events and potential trip interruptions. Travel insurance offers financial protection for medical emergencies, trip cancellations and unexpected expenses that may arise in foreign destinations.
  • Regular vacations: If you find yourself frequently on the move for business or leisure, an annual travel insurance policy can be a cost-effective solution. This provides continuous coverage for multiple trips, saving you time purchasing separate policies.
  • Senior travelers: If you are a senior traveler with Medicare, your health insurance excludes most medical care outside of the country. Travel insurance with medical expenses and evacuation coverage can financially protect you if you need care while away from home.
  • Adventure sports: Adventure enthusiasts planning to engage in activities like hiking, skiing or scuba diving may find travel insurance with adventure sports coverage beneficial. These policies can cover potential injuries and equipment losses, which you may be more likely to run into due to your itinerary. However, not all standard travel medical insurance covers injuries related to adventure sports.

If you are considering travel insurance, we suggest getting a few sample quotes to compare coverage. Getting a quote is free, takes only a few minutes and can provide more personalized insights into the cost of your upcoming travel plan.

Is Travel Insurance Required?

In most cases, travel insurance is not required. However, some countries require visitors to have travel insurance due to visa requirements or diplomatic unrest. These countries typically only require proof that your policy covers emergency medical expenses. You can extend your coverage to also protect you against baggage loss, trip delays and cancellations.

Even if your destination does not mandate travel insurance, the U.S. Department of State recommends that U.S. citizens traveling overseas purchase a policy that covers unexpected medical bills while abroad.

Travel Trends for 2024

As the world continues to recover from the impacts of the COVID-19 pandemic, the hospitality industry is slowly seeing a return to pre-pandemic levels. According to research from the U.S. Travel Association , domestic leisure travel is expected to fully return to pre-pandemic levels throughout 2024. Some of the factors contributing to travelers’ return to airports across the globe include:

  • Easing international visa and travel restrictions
  • Vaccine distribution and effectiveness
  • Increased demand for travel following COVID-19 lockdowns

As the demand for travel increases, so has the sale of travel insurance. The travel insurance market size is estimated to grow at a compound annual growth rate of 5% between 2022 and 2028 . Highly publicized stories of flight delays and cancellations occurring across the country are also contributing to public demand for travel insurance.

Is Travel Insurance Worth It?

While travel insurance is not required to enter countries in most parts of the world, it can be worth the cost to purchase some level of coverage. In our review, we found the average cost of travel insurance is less than 7% of what you can expect to pay for your vacation — but may provide hundreds of thousands of dollars in reimbursements if you experience an unexpected cancellation or delay. The medical expense coverage included with travel insurance is also an invaluable protection, as many health insurance policies exclude care provided outside of the U.S.

Frequently Asked Questions About Travel Insurance

Does travel insurance get more expensive closer to the trip.

Unlike most other types of insurance, you won’t be penalized for buying your travel insurance closer to the dates you might use it. However, many travel insurance companies require that you purchase coverage within a limited time after booking your trip. Luckily, travel insurance prices do not increase as you get closer to your departure date. That being said, some options (like CFAR coverage) may only be available for a limited time before you travel.

When does travel insurance expire?

Your travel insurance policy will expire on the date you indicate when you purchase the plan. For most travelers, this will be the final day of your vacation. Frequent travelers might also have the option to buy annual travel insurance that protects them for a year.

What does international travel insurance cover?

International travel insurance provides you with a reimbursement for nonrefundable travel expenses if you’re forced to cancel your trip or leave your destination early. In addition, it may reimburse you for travel expenses like airfare and hotel costs if you cannot claim a refund from your vendors directly.

How close to a trip can you cancel and still by covered by insurance?

That depends. Most travel insurance companies require canceling anywhere from 24 hours to a week or more before departure in order to be eligible for reimbursement.

Travel insurance premiums often increase as your departure date approaches, since the likelihood of last-minute interruptions or cancellations increases closer to your flight. It’s generally advisable to purchase travel insurance in advance to get access to the most favorable rates.

What is the most common type of travel insurance?

The most common type of travel insurance is trip cancellation and interruption coverage, which reimburses you if you’re forced to cancel your trip or go home early. These coverages are included on almost every travel insurance policy, except medical-only plans.

Methodology: Our System for Rating the Best Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

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CBS News

Why you should get comprehensive travel insurance

I f you consider yourself a planner, then you understand how valuable it is to prepare for an upcoming trip — especially if it's a pricey one. You'll want to nail down all the details, from airfare to hotel stays to excursions and beyond. 

For some travelers, that also includes preparing for the unexpected: trip delays and interruptions, any potential accidents, lost luggage or more. In order to save yourself a headache and prevent any major financial losses, you may want to consider getting travel insurance (not to be confused with airline travel insurance ). 

When you buy travel insurance , you're insuring up to 100% of your trip expenses, depending on the plan you get. For those interested in receiving a variety of benefits, comprehensive travel insurance may be your best bet. Insert your trip and traveler information here to view dozens of travel insurance options that fit your needs .

What is comprehensive travel insurance?

Travel insurance can possibly save you thousands of dollars if an unforeseen issue or event arises — like a canceled booking or a medical emergency requiring a hospital stay, for example. 

If you're looking for widespread insurance coverage, then you should purchase a comprehensive plan. These kinds of plans offer perks like trip cancellation and delay coverage, emergency medical and medical evacuation coverage, lost luggage and more. Here's a full list  that explains some of the extensive benefits that can come with a comprehensive plan.

"Every comprehensive travel insurance policy comes with 24 Hour Assistance, which can help travelers with medical and legal assistance, emergency cash transfers, emergency translations and pre-trip assistance," travel insurance marketplace Squaremouth adds .

To get started, just insert some details on your upcoming trip into Squaremouth's free tool .

Why should you get comprehensive travel insurance?

Emergency medical and medical evacuation coverage, especially on international trips , are among the most critical reasons travelers buy travel insurance. 

"The medical benefits of travel insurance are perhaps the most worth it due to the high financial ramifications that can come with a medical claim while traveling," SquareMouth says.

Before you leave for a trip overseas make sure you closely review your current health insurance coverage to see if you're protected in that destination. 

"If you need medical care in another country, you will likely need to pay out-of-pocket for any services. Even if a country has nationalized health care, it may not cover people who are not citizens," the Centers for Disease Control and Prevention (CDC) warns .

The CDC added that it's particularly important if you have an existing health issue, are traveling for an extended period of time or planning to partake in sports or other activities.

"It's something to think about. It could help you out, depending on how good your current health insurance is," Michael Giusti, an analyst for InsuranceQuotes.com, previously told CBS MoneyWatch .

"I can't think of an overseas trip I wouldn't recommend [travel insurance] for, because there is so much potential for something to go wrong," added Giusti.

If you're getting ready for international travel, then you may want to start shopping around for the best travel insurance plans . 

Squaremouth recommends getting comprehensive travel insurance that includes $50,000 in emergency medical coverage and $100,000 in medical evacuation coverage.

But medical coverage isn't the main reason travelers purchase insurance, Squaremouth says.

"Trip Cancellation coverage is the primary reason most travelers buy travel insurance. This benefit can reimburse 100% of your prepaid and non-refundable trip expenses if you need to cancel your trip for a reason covered by your policy," the marketplace site says.

How much does travel insurance cost?

In general, the price of travel insurance should not cost more than 10% of your total trips. The U.S. Travel Insurance Association (UStiA) says it should fall between 4% to 8% of your trip cost.

In order to save money, it's crucial that you narrow down the benefits that you actually need and stay within your budget.

"It's a common misconception that a more expensive travel insurance policy will provide better or more reliable coverage. However, the rating and reputation of a travel insurance policy does not factor into the policy's premium," SquareMouth explains, adding that it will "always recommend the least expensive policy that matches your coverage needs."

Happy woman with arms raised in motorboat

Cover-More NZ

Travel Insurance You Can Trust

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What country are you going to?

Select the Area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas Area, it is compulsory to select a destination in the Americas Area for your policy.

If you are quoting a multi-trip policy please select “see region list” and select a destination in the appropriate region. For example United States for Worldwide cover or Spain for European cover.

When are you going?

Please select the departure and return dates for your trip.

For multi-trip policies the departure date will mark the start of your cover and it will automatically run for a year from that date.

Who is travelling?

Simply enter the age of each traveller including Adults and Accompanied Children*. Enter the age they are now.

Only use as many boxes as you have travellers.

*As per the Policy Wording: "Accompanied Children" means Your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment and they are under the age of 21 years at the Relevant Time. If an Accompanied Child is in full time employment then they will need to purchase their own policy.

If you require a policy for more than 6 travellers, please contact Cover-More on (0800) 500 225 as we may still be able to offer cover to you.

IMPORTANT: If you're looking for travel insurance with some COVID-19 benefits, please consider our Options Plan. (Our budget-friendly Essentials Plan does not contain COVID-19 benefits.)

Options Plan: Our Comprehensive Travel Insurance

Consider protecting your trip with our premium cover.

Our Options Plan provides New Zealanders with our most comprehensive travel insurance cover and the highest level of benefits available online. It’s our most popular plans for travellers – no matter where their adventures take them. 

Our Options Plan travel insurance provides cover for:

  • COVID-19 (limited cover available)
  • overseas medical and emergency dental expenses
  • additional expenses
  • optional amendment or cancellation expenses
  • lost, stolen, or damaged luggage and valuables such as cameras and laptops
  • rental vehicle insurance excess
  • travel delay
  • personal liability
  • loss of income
  • several existing medical conditions

…plus much more, including access to 24-hour emergency assistance .

You can also choose to customise your policy with optional cover for activities like on-piste skiing or snowboarding with Snow Sports cover. (An additional premium applies.)

Read the  Options Plan Policy Wording  to understand the benefits, benefit limits and conditions of coverage before deciding if this is the right product for you. 

Looking for cheaper travel insurance or want more basic travel insurance cover? Consider our  Essentials Plan . 

Ready to buy? Get a travel insurance quote now.

Discover Our COVID-19 Cover

  • COVID-19 benefits
  • COVID-19 benefits: FAQs

*The cover information contained on the above pages refers to Cover-More Options Plan policies only sold on or after 27  July 2022 . For cover information on policies sold prior to this date, please read the relevant Policy Wording .

Please wait, generating your policy.

Allianz Travel Insurance vs Cover-More

Cover-more vs allianz travel insurance: side-by-side brand comparison.

Compare Allianz Travel Insurance vs. Cover-More side-by-side. Choose the best travel insurance stores for your needs based on 1,440 criteria such as newsletter coupons, Apple Pay Later financing, Shop Pay Installments, PayPal Pay Later and clearance page . Also, check out our full guide to the top 10 travel insurance stores .

Know someone shopping for Allianz Travel Insurance or Cover-More? Share this comparison via Gmail or Facebook .

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Allianz Travel Insurance

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Allianz Travel Insurance vs. Cover-More: Side-by-Side Comparison

Allianz travel insurance vs. cover-more: compare store policies & checkout features.

  • Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

1Cover Comprehensive Travel Insurance Review

Updated: Aug 8, 2023, 1:39pm

1Cover Comprehensive Travel Insurance is an affordable travel insurance product for those looking to travel to any of its 15 regions worldwide. It is easy to receive a quote online to find out the approximate total cost of your coverage, and the process for applying is also easy and straightforward.

While all ages are covered including children up to 19 years of age–pertaining to certain conditions–those aged 80 years older will incur a $3000 excess.

Related: How to find the best travel insurance policy for you .

  • Quick application process online
  • Unlimited medical cover that includes COVID-19 medical expenses
  • Offers a 5% discount when applying online
  • Individuals aged over 80 years old attract a $3000 excess
  • Limited dental cover
  • Winter Sports incur an additional fee for the sports and activity coverage

1Cover Comprehensive Travel Insurance

Table of Contents

About 1cover comprehensive travel insurance, what is covered, does it cover me for covid, what about pregnancy, what if i have a pre-existing medical condition, what about sports and activities, customer service, who should take out this insurance.

1Cover is solely a travel insurance company that has insured more than 1.5 million customers since its inception in 2003. With its specific focus, 1Cover offers Australians 10 different travel insurance plans across 15 regions worldwide, and provides customers with a 5% discount for taking out its comprehensive travel insurance plan online.

All of its travel insurance plans are underwritten by specific insurance underwriters at Llyod’s. Its comprehensive plan has been given an average ranking of 4.3 stars (out of 5) from 4553 reviews on Australia’s consumer review site, Product Review.

Related: Allianz Comprehensive Travel Review.

Featured Partners

Cover-More Travel Insurance

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On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental


Yes, amount chosen by customer

Southern Cross Travel Insurance

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Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

WAS Insurance

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Medical Cover & Support

Unlimited* + 24/7 Support

Cancellation AND Disruption

Up to $40,000*

1Cover Comprehensive Travel Insurance is available to all ages, and includes children up to age 19 in an adult’s plan–if the child is not in full time employment and is travelling with you 100% of the time.

Personal liability is covered up to $5 million, while credit card fraud is also covered up to $5000. While the insurance covers cancellations of its plan if policy holders decide it is not best for them, there are cancellation terms depending on your circumstances.

It also covers connecting flights if the layover was more than four hours and car hire excess of $5000, which can be increased to $6000, $7000 or $8000.

Lost luggage

1Cover Comprehensive Travel Insurance covers lost luggage up to the value of $15,000. For individuals requiring higher values, additional luggage cover can be added on at various rates depending on the value.

Unlimited overseas medical and hospital expenses are covered. Pre-existing medical conditions are also covered, but need to be disclosed prior.

Is dental cover included in medical?

The 1Cover Comprehensive Travel plan does include dental, however it is limited up to $1000.

It depends. The 1Cover Comprehensive Travel plan includes COVID-19 in its medical expenses. However, it does not include flight or travel cancellations due to COVID-19.

As mentioned, connecting flights are only covered if the layover was more than four hours. This includes missed connections due to COVID-related delays.

Pregnancy is covered up to week 24 if pregnant with one baby. For any more than one baby, the pregnancy cover is only up to week 19.

There are 35 pre-existing medical conditions that are covered by 1Cover Comprehensive Travel Insurance, as per its product disclosure statement. These include–but are not limited to–mental illness, heart conditions, any type of cancer, terminal illness and any physical or mental disability.

While these conditions are covered, a medical assessment may be required along with other past medical documentation of the condition.

There are more than 100 sports and activities covered in the 1Cover Comprehensive Travel Plan. However, winter sports are only covered when winter sports cover is added to the policy at an additional cost.

The Winter Sports pack must be added at least 24 hours before partaking in winter sport activities, and policy holders must be aged 64 or under at the time of the policy issuing.

According to reviews, 1Cover is easy to contact and has a good response over both web chat and email.

1Cover has 24/7 emergency assistance which can be accessed over the phone, and emailed enquiries will receive a response within a business day according to the 1Cover website.

1Cover comprehensive travel insurance is an affordable, comprehensive plan with multiple options to add or increase cover to suit the individual traveller. However, while unlimited medical expenses is ideal, there is a limit to dental of $1000–which could easily be exceeded if extensive overseas treatment is required.

All ages are covered, so anyone of any age can take out the policy (keeping in mind that there may be age restrictions for certain add-ons, such as the Winter Sports Plan). Travellers aged over 80 will incur an excess of $3000 and are only covered for a maximum of six months.

Frequently Asked Questions (FAQs)

Does 1cover travel insurance cover travel to bali.

1Cover includes Bali in its list of destinations.

For all Australian travellers entering into Indonesia, travel insurance with COVID cover is now mandatory. The requirements also include $100,000 in medical travel insurance cover, which 1Cover’s Comprehensive Travel Insurance policy meets due to its unlimited medical cover inclusion.

What is the 1Cover Travel Insurance phone number?

For emergencies only, 1Cover provides the following phone numbers to its customers depending on their destination for emergency assistance:

Australia: 1300 884 508 New Zealand: 0800 192 742 Thailand: 1800 011 857 USA/Canada: 1 855 912 3443 UK: 0808 178 5380 Indonesia: 001 8030 612 053

1Cover says the best way to contact the company about its travel insurance or questions about claims, is to send a message via its website support centre. For general sales and enquiries, you can contact [email protected] for response within a business day.

Is there a 1Cover Travel Insurance discount code?

For individuals taking out the 1Cover Comprehensive Travel Insurance online, a 5% discount will be applied.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

  • Best Comprehensive Travel Insurance
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  • Travel Insurance Cost
  • Pregnancy Travel Insurance Guide
  • Travel Insurance For Bali
  • Travel Insurance For Fiji
  • Travel Insurance For The USA
  • Travel Insurance For Thailand
  • Travel Insurance For New Zealand
  • Travel Insurance For Japan
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  • Cover-More Travel Insurance Review
  • Travel Insurance Saver Review
  • Allianz Comprehensive Travel Insurance Review
  • Australia Post Comprehensive Travel Insurance Review

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  • Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
  • Emergency Assistance
  • Travel Alerts COVID-19 International Travel Tool Cover-More App
  • Manage Policy
  • travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

International Travel Insurance for Australians

Woman looking at the beautiful village of Oia on the island of Santorini | International travel insurance

Protect your overseas trip with international travel insurance

Planning an overseas trip? Don’t forget to pack an important item that can help if things go pear shaped while you’re travelling abroad – an overseas travel insurance policy.

At Cover-More, we provide Australian residents with travel insurance for international trips to help protect against an array of unforeseen complications – from unexpected injury or illness to travel delays, lost luggage, and more.

Whether you are a frequent traveller , seeking the most comprehensive cover or on a budget, you can compare our plans to find the best international travel insurance for you. After all, taking out a policy could save you and your family on overseas medical bills, emergency evacuation costs and/or other unforeseen expenses.

Skip to read:

What is international travel?

Why do i need international travel insurance, what overseas travel insurance plans does cover-more offer.

  • What does Cover-More international travel insurance include?

How do I know which Cover-More international plan is right for me?

  • Why should I consider Cover-More's travel insurance for my overseas holiday?

International travel is any travel that takes you out of Australia. This could be for work, a personal holiday, or to visit relatives who live overseas.

It might be an island escape to Fiji, a snowboarding trip to Japan, a backpacking trip through Europe, or a cruise in the South Pacific. Whether you’re taking a short trip or are travelling for an extended period, protecting your trip with international travel insurance for Australians is important.

It’s important to consider protecting your trip abroad with the right level of travel insurance for you.

From minor mishaps to major emergencies, international travel insurance may help offer financial protection when things go wrong – and could even help get you back home if need be.

Worldwide travel insurance can provide cover for incidents such as:

  • Overseas emergency medical and dental costs – which can be extremely expensive in many countries
  • If your luggage is lost, stolen, or delayed
  • Missed flight connections or travel delays

With international travel insurance you can worry less and travel more, knowing you’ve got protection if something goes wrong.

At Cover-More, we offer three different international travel insurance plans. You can choose the plan that suits the level of cover you require – and your budget.

  • International Comprehensive+: our most comprehensive overseas travel insurance for Australian travellers with our highest benefit levels, plus extra business-related benefits included for business travel.
  • International Comprehensive: our mid-tier comprehensive plan with excellent benefits and coverage levels for travellers who want comprehensive cover for their trips abroad.
  • International Basic: our base-level insurance plan with essential benefits – including $Unlimited~ overseas medical expenses – for Australian travellers on a budget.

If you’re a frequent traveller, our International Comprehensive+ and International Comprehensive Plans can be purchased as an Annual Multi-Trip policy. This provides cover for unlimited trips (up to the maximum duration per trip you choose) to your selected destinations over a 12-month period.

What does Cover-More international travel insurance cover?

If you travel overseas as a Cover-More travel insurance policyholder, we may be able to help if something goes wrong.

Check out some of the benefits below. Each plan has different benefits so consider carefully what your needs may be.

Each of our three international travel insurance plans for Australian travellers have some benefits that differ and the benefit coverage amounts can vary. You can compare our plans below to find the best overseas travel insurance plan for you:

* Sub-limits apply. Please refer to the PDS for full policy conditions.      ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.      ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.      ^ Cover chosen applies per policy.      ^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.      † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.      • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See PDS for full details.

For full details on the terms and conditions, sub-limits, and exclusions you should consider before you purchase, read the PDS . You can also get a free quote online now.

You can compare our worldwide travel insurance plans above to find the one that best fits your travel requirements and budget. We recommend you also read the Product Disclosure Statement before purchasing to understand what you are – and aren’t – covered for under our plan.

If your trip includes a multi-night cruise you need to tell us and Cruise Cover will be added to your policy. An additional premium applies.

As a Cover-More customer, you can also vary your cover to fit your individual requirements for an additional premium by:

  • adding a suitable level of amendment and cancellation cover; some plans include a cancellation extension upgrade that provide extra cover for non-travelling relatives or business partners and pregnancy;
  • adding our Snow Sports or Snow Sports+ Cover to your policy if your winter holiday includes snow skiing, snowboarding, and/or snowmobiling;
  • including our Adventure Activities or Adventure+ Activities Cover if you’re planning on engaging in activities not automatically included in our plans;
  • adding Motorcycle/Moped Riding Cover or Motorcycle/Moped Riding+ Cover if you’re planning on driving or riding motorcycle or moped while aboard.

Got questions? Call our team on 1300 72 88 22 during business hours.

Ready to purchase? All Cover-More policyholders are covered by a 21-day cooling-off period**, which means we can refund you for the cost of your policy should you change your mind within this period.

​Why should I consider Cover-More travel insurance?

At Cover-More, we encourage all international travellers to consider taking out worldwide travel insurance as part of their holiday preparation – because you never know what might happen while you’re away.

Our customer Katie-Anne was involved in a car accident while on a trip in the United States of America. Our Cover-More team was there to help in her time of need – liaising with medical staff, paying for hospital bills, and making sure that Katie-Anne and her partner Jacob had the emotional support they needed. We also paid Katie-Anne's overseas medical expenses claim, which ended up totalling over $900,000.

Watch as she shares her heartfelt story:

Want us to safeguard your overseas holiday?

Discover our best international travel insurance plan for you.

** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.

Discover Our COVID-19 Cover

To find out what our current* benefits do – and don’t – cover, please read:

  • -  COVID-19 Benefits
  • -  COVID-19 Benefits: FAQs
  • -  COVID-19 Travel Guide

Plus, for helpful destination-based COVID-19 information, don't forget to check the  COVID-19 Travel Risk Tool  before and during travel.

*The cover information contained on the above pages refers to Cover-More policies sold on or after 26 June 2023 . For cover information on policies sold prior to this date, please read the relevant PDS .


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    Covermore's 'Premium' travel insurance plan is the insurer's most comprehensive policy, with unlimited overseas medical cover, insurance against travel delays, and more. These policies are sold as single-trip plans as well as annual multi-trip insurance. Medical Only International Travel Insurance

  13. Get a Travel Insurance Quote

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  19. Travel Insurance Quote

    To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related: Overseas medical costs*~# Amendment and cancellation costs*^ Additional expenses*#^ Find Out More *Limits, sub-limits, conditions, and exclusions apply. ~Medical cover will not exceed 12 months from onset.

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  21. Compare Our Best Travel Insurance Plans

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