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5 Best International Travel Insurance Companies

go digit international travel insurance

Allianz Travel Insurance »

go digit international travel insurance

World Nomads Travel Insurance »

go digit international travel insurance

Generali Global Assistance »

go digit international travel insurance

AIG Travel Guard »

go digit international travel insurance

GeoBlue »

Why Trust Us

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

Table of Contents

  • Rating Details

Allianz Travel Insurance

  • World Nomads

With demand for international travel on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line.

Other perks come from the best international travel insurance policies, including travel medical coverage and protection for emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, in which case you must have a policy in place before you board the plane. Skip ahead in this article for a full overview of the countries that require visitors to have travel insurance in place as of June 2023.

If you're hoping to secure the best international travel policy for your needs this year, or if your destination requires this coverage, the policies outlined below provide a solid foundation for you to start your research.

  • Allianz Travel Insurance: Best for Comprehensive Coverage
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • Generali Global Assistance: Best for COVID-19 Coverage
  • AIG Travel Guard: Best Optional Coverages
  • GeoBlue: Best for International Travel Medical Coverage

Best International Travel Insurance Companies in Detail

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

  • Trip cancellation coverage up to $100,000
  • Trip interruption coverage up to $150,000
  • Emergency medical coverage up to $50,000
  • Emergency medical transportation coverage up to $500,000
  • Trip change protector coverage worth up to $500
  • Baggage loss and damage coverage up to $1,000
  • Baggage delay coverage up to $300
  • Travel delay coverage up to $800

World Nomads »

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient


Generali Global Assistance

All plans include coverage for COVID-19

Generous limits for emergency medical and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

  • Trip cancellation coverage up to 100% of the trip cost
  • Trip interruption coverage up to 175% of the trip cost
  • Travel delay coverage up to $1,000 per traveler
  • Up to $2,000 per person in baggage protection
  • Up to $2,000 in coverage for sporting equipment
  • Up to $1,000 per person in protection for missed connections
  • Up to $250,000 per person in coverage for emergency medical and dental procedures
  • Up to $1 million in coverage for emergency assistance and transportation
  • Up to $25,000 per person in rental car coverage
  • Accidental death and dismemberment coverage

AIG Travel Guard

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

  • Cancel for any reason coverage
  • Rental car protection
  • Lodging expense protection
  • Coverage for preexisting medical conditions

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

  • Antarctica: Travel medical insurance is required for trips to Antarctica, including a minimum of $100,000 in emergency medical and evacuation coverage.
  • Curaçao: The island nation of Curaçao requires international visitors to have medical coverage that applies overseas or a valid travel insurance plan with medical coverage included.
  • Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
  • Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country’s Ministry of Public Health.
  • Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for missionaries and expats are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

  • Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
  • Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
  • Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
  • Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
  • Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
  • Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip opt to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

  • Acts of war
  • Claims due to air or water pollution
  • Claims due to natural disasters
  • Epidemics not specifically included in coverage
  • Extreme, high-risk sports
  • Government regulations or proclamations
  • Nuclear radiation and contamination
  • Terrorist events

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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11 Best Travel Insurance Companies in January 2024

Sean Cudahy

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

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

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Italy in April 2024. The traveler was a 35-year-old woman from Illinois who spent $2,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $76.64. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

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

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

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

  • Best travel insurance companies

Types of travel insurance

What does travel insurance cover.

  • What's not covered?

How much does it cost?

Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

  • Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection


Berkshire Hathaway Travel Protection

  • Policies are average in price.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple types of insurance available.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

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

At $56 for our sample trip, the ExtraCare Value (basic) plan from Berkshire Hathaway Travel Protection offers a low-cost option for coverage.

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

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

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

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

Best for emergency medical coverage: Allianz Global Assistance


Annual or single-trip policies are available.

  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • Cheapest option doesn't include medical coverage.
  • Rental Car Damage Protector add on is only available for higher-cost plans.

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

For our test trip, Allianz Global Assistance’s basic coverage cost $91, about $15 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

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

Read our full review of Allianz Global Assistance .

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


Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Car rental coverage is available as an add-on.
  • CFAR upgrade is only available for higher-cost plans.
  • Enhancement bundles will up your coverage price.

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

At $75 for our sample trip, the Essential plan was about average.

What else makes Travel Guard by AIG great:

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

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

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

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International


Travel Insured International

  • More affordable than average.
  • Ideal medical-only coverage if you have trip interruption benefits from a credit card.
  • CFAR upgrade is not available as an add-on.
  • Basic plan is medical only; next level costs above average.

Travel Insured International offers several customization options. For instance, pet owners might want to add on kennel coverage, which covers boarding costs if your trip is delayed. Traveling with expensive gear or attending an expensive concert/sporting event? Consider adding on coverage for electronic equipment and ticketed events.

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

What else makes Travel Insured International great:

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

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

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads


World Nomads

  • Travelers can extend coverage mid-trip.
  • Plans automatically cover 200+ adventurous activities.
  • No CFAR upgrades available.
  • No pre-existing medical condition waivers available.

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

Note that the Standard plan ($81 for our sample trip) provides less coverage than the higher-priced Explorer but can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

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

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services


Travelex Insurance Services

  • Coverage can be purchased after trip departure.
  • Few customization opportunities on the Basic plan.

For starters, basic coverage from Travelex Insurance Services came in at $63, nearly 17% below average for our sample trip.

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

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

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

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

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

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners


Seven Corners

  • Annual, medical-only and student plans are available.
  • CFAR upgrade is available for the cheapest plan.
  • Offers only one annual policy option.
  • Cheapest plan offers only secondary medical coverage.

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

The basic coverage plan for our trip to Italy costs $75 — right around the average.

What else makes Seven Corners great:

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

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

Read our full review of Seven Corners .

Best for long-term travelers: IMG


  • Only one plan offers CFAR as an add-on.
  • Claim approval can be lengthy.

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

IMG is also a good option for the budget-minded: the iTravelInsured Lite plan comes to just $58 for our trip to Italy — more than 20% below average.

Read our full review of IMG .

What else makes IMG great:

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg


  • Domestic-only coverage available.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $64 for our sample trip, knocking about $10 off the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

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

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

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe


  • Covers up to $300 in eligible fees incurred for redepositing points and miles for award flights.
  • CFAR upgrade is only available for highest-cost plan.
  • Multi-trip or year-long plans aren’t available.

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

However, at $89, the Basic plan was among the more expensive for our trip to Italy.

What else makes TravelSafe great:

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

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

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance


HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 12-hour delay is required for baggage delay coverage.

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

At around $73, the TripProtector Economy policy is just below the average mark for plans we reviewed.

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

Read our full review of HTH Insurance .

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

Trip cancellation

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

Trip interruption

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

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

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

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

Cancel For Any Reason

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

Typically, adding this protection to your plan costs extra.

Baggage delay

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

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

Lost baggage

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

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

Travel medical insurance

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

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

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

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

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

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

What’s not covered?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Bahamas.

Costa Rica.


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

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

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

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consider a few key questions:

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

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

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

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

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

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

In general, buying travel insurance

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

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are 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

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11 Best Travel Insurance Companies Of January 2024

Michelle Megna

Fact Checked

Updated: Jan 18, 2024, 4:57pm

Whether you’re visiting family in the States or going on an excursion abroad, travel insurance can help you recoup your money if unforeseen events disrupt your trip. For example, the best travel insurance policies can compensate you if you have to suddenly cancel your trip, experience delays or have to return home early due to an emergency.

Why you can trust Forbes Advisor

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

  • 39 travel insurance policies evaluated
  • 1,482 coverage details analyzed
  • 102 years of insurance experience on the editorial team
  • Cheapest Travel Insurance Plans
  • Best Senior Travel Insurance
  • Best Covid-19 Travel Insurance Plans
  • Best Annual Travel Insurance
  • Best Travel Medical Insurance

The Best Travel Insurance Companies

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  • Travel Insured International – Best for Non-Medical Evacuation
  • WorldTrips (Atlas Journey Premier and Atlas Journey Preferred) – Great for Add-On Coverage
  • Nationwide (Cruise Luxury) – Best for Upgrades
  • TravelSafe – Best for Missed Connections
  • AIG – Best for Customization
  • AXA Assistance USA – Best for Baggage
  • Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
  • HTH Worldwide – Best for Trip Interruption
  • Nationwide (Cruise Choice) – Great for Cruise Itinerary Change/Inconvenience
  • Seven Corners – Best for Medical/Evacuation
  • Travelex Insurance Services – Best for Families


Travel insured international.

Travel Insured International

Top-scoring plan

Worldwide Trip Protector

Missed Connection benefits per person

Medical & evacuation limits per person

$100,000/$1 million

If lower medical expense coverage limits suffice, Travel Insured’s Worldwide Trip Protector plan offers robust benefits at a competitive price and provides superior non-medical evacuation coverage.

More: Travel Insured International Travel Insurance Review

  • “Cancel for any reason” and “interruption for any reason” upgrades available.
  • Top-notch non-medical evacuation benefits of $150,000 per person.
  • Good travel delay and baggage delay benefits kick in after just a 3-hour delay.
  • Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
  • Missed connection benefits of $500 are low compared to other top-rated competitors and for cruise and tours only.



Atlas Journey Premier

Missed connection limits per person

$150,000/$1 million

The Atlas Journey Premier plan offers trip cancellation and trip interruption upgrades. Other available upgrades include extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more.

The Atlas Journey Premier plan also has very good travel delay and missed connection benefits, and a low average cost compared to competitors.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

  • “Cancel for any reason” and “interruption for any reason” upgrades available with the Premier policy.
  • Very good travel delay benefits of $2,000 per person after only 5 hours.
  • Very good missed connection coverage of $2,000 per person after 3 hours.
  • Medical coverage level is low compared to some competitors evaluated.
  • Baggage delay benefits have a 12-hour waiting period.



Cruise Luxury

Missed connection benefits per person

Nationwide’s Cruise Luxury plan includes great missed connection benefits and non-medical evacuation coverage, and offers cancellation and interruption upgrades.

More: Nationwide Travel Insurance Review

  • Includes $25,000 in non-medical evacuation benefits.
  • Good travel delay benefits of $1,000.
  • Medical coverage is lower than most other top-rated plans but might be sufficient for your needs.
  • 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.



Classic Plan

While its medical expenses coverage is low compared to other top plans, TravelSafe’s Classic plan has high limits for most other coverages, including superior missed connection benefits.

More: TravelSafe Travel Insurance Review

  • “Cancel for any reason” upgrade available.
  • Superior missed connection limits of $2,500, and baggage loss coverage limits of $2,500.
  • Great travel delay limits of $2,000 per person, after a 6-hour delay.
  • $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
  • Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.



Travel Guard Deluxe

Missed connections benefits per person

Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize this AIG policy to your needs. Additionally, the Travel Guard Deluxe plan includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

The Travel Guard Preferred plan also earned 4 stars in our analysis, and comes with a lower price, but also with lower coverage amounts. It provides $50,000 for medical expenses and $500,000 for medical evacuation benefits.

More: AIG Travel Insurance Review

  • Offers upgrades to meet the needs and budgets of many different kinds of travelers.
  • Includes $100,000 for security evacuation and superior medical evacuation coverage of $1 million.
  • Provides up to $750 for “travel inconveniences,” such as flight delay to your return destination, runway delays and cruise diversions.
  • Has good travel delay coverage of $1,000, with a short waiting period of 5 hours.
  • The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost compared to other top-rated policies.
  • Medical expense coverage of $100,000 is on the low side, but might be adequate for your needs.


Axa assistance usa.

AXA Assistance USA

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage and non-medical evacuation benefits.

More: AXA Assistance USA Travel Insurance Review

  • Generous medical and evacuation limits, with $100,000 in non-medical evacuation—among the highest for plans we evaluated.
  • Top-notch baggage loss coverage of $3,000 per person.
  • Coverage for lost ski days, lost golf rounds and sports equipment rental.
  • Travel delay and baggage coverage kicks in only after a 12-hour delay.
  • The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.


Generali global assistance.

Generali Global Assistance

Missed connection benefits

Generali’s Premium policy provides very good benefits at a decent average price. It has excellent trip interruption insurance and superior medical evacuation benefits. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit.

More: Generali Global Assistance Travel Insurance Review

  • You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit , which is typical from top competitors.
  • Excellent trip interruption coverage of up to 175% of your trip costs.
  • Very good baggage loss coverage at $2,000 per person.
  • If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
  • Baggage delay benefits kick in only after a 12-hour delay.


Hth worldwide.

HTH Worldwide

TripProtector Preferred Plan

$500,000/$1 million

HTH’s TripProtector Preferred provides luxury-level benefits and superior trip interruption benefits.

More: HTH Worldwide Travel Insurance Review

  • Top-notch coverage limits for medical expenses and evacuation.
  • Excellent trip interruption coverage of 200% of the trip cost.
  • Very good travel delay coverage of $2,000 per person after a 6-hour delay.
  • Higher average price compared to most companies we evaluated, but you’re getting robust benefits.
  • Baggage delay coverage requires a 12-hour delay.


Cruise Choice


While $100,000 in medical expense coverage is on the low side, Nationwide’s Cruise Choice plan includes non-medical evacuation coverage and offers a trip interruption upgrade. It also provides compensation if you miss activities because your cruise ship changes its itinerary, and for the inconvenience of delays to the next port of call.

  • “Interruption for any reason” upgrade available.
  • Provides benefits if you miss out on a prepaid activity or event because your cruise ship changes its itinerary.
  • Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
  • “Cancel for any reason” upgrade not available.


Seven corners.

Seven Corners

Trip Protection Choice

Seven Corners’ Trip Protection Choice plan has superior medical and evacuation benefits and provides great upgrade options and benefits across the board.

More: Seven Corners Travel Insurance Review

  • Superior coverage limits for medical expenses and medical evacuation.
  • “Cancel for any reason” and “interruption for any reason” upgrade available.
  • Very good travel delay coverage of $2,000 per person.
  • Includes $20,000 for non-medical evacuation
  • Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
  • Average cost is only so-so compared to other top-rated policies we evaluated.


Travelex insurance services.

Travelex Insurance Services

Travel Select


Travelex Insurance Services’ Travel Select plan is a solid choice at a competitive price, especially for families, although coverage limits are lower than those of top competitors.

More: Travelex Travel Insurance Review

  • Includes free coverage for children age 17 and under (when accompanied by an adult covered by the policy).
  • Very good travel delay coverage of $2,000 per person after a 5-hour delay.
  • Medical coverage of $50,000 per person is on the low side.
  • Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
  • Missed connection benefits are lower than many other competitors.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Look for these top coverage options in a comprehensive travel insurance plan.

Trip Cancellation Insurance

You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could disrupt plans. Trip cancellation insurance reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy.

If Covid is a concern, you can find travel insurance policies that cover Covid-related trip cancellation if you contract the virus right before the trip.

A good strategy for trip cancellation coverage is to buy insurance for the total amount you have put into non-refundable and prepaid deposits. Don’t insure refundable amounts, like refundable plane tickets, because you can’t make an insurance claim for that.

Travel Delay Insurance

It can be inconvenient, stressful and costly if your trip is delayed due to unforeseen events.

Travel delay insurance reimburses you for expenses if you’re stuck somewhere due to a holdup that’s covered by your travel insurance plan. For example, if you’re stranded in an airport all day because bad weather delays your flight, travel delay insurance can reimburse you for necessities like food and toiletries.

If you have a long delay, travel delay benefits can pay for an Uber, a night in a hotel and meals. Travel delay insurance has a specified waiting period before benefits apply—for example, six or 12 hours—and also a per day maximum limit and a total maximum per person.

“Cancel for Any Reason” Coverage

If you want the freedom to cancel your trip no matter what, look for travel insurance that allows you to upgrade your trip cancellation insurance to “cancel for any reason” (CFAR) travel insurance . Having CFAR allows you to cancel your trip for any reason that’s not listed in your base policy. For example, you could cancel the trip because you simply don’t feel like going anymore, as long as you do so at least 48 hours before your departure time.

Reimbursement under a CFAR claim is 75% or 50% of your trip costs, not the 100% that’s available under the base trip cancellation coverage. CFAR adds an average of about 50% to an insurance plan’s cost. Not all travel insurance companies offer a CFAR upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip. This is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage. You can find generous coverage limits of up to $500,000 per person with some travel insurance policies, but you may decide that lower levels of coverage are adequate for your needs.

The best travel insurance for seniors includes travel medical insurance because Medicare does not pay for health care outside the U.S., except in very limited circumstances.

Many travel insurance policies cover Covid-related medical expenses just like any other illness—but not all do—so be sure to confirm that Covid is covered by your travel insurance policy if you contract the virus during your trip.

Emergency Medical Evacuation Coverage

This is also important coverage for those traveling abroad, especially if you’re going to a remote area where quality medical care might be hard to find. Emergency medical evacuation insurance pays to get you to the nearest adequate medical facility. You can find ample coverage of $1 million per person in the best travel insurance policies..

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance is valuable coverage to have. It can reimburse you for the non-refundable parts of your trip that you miss, such as a resort stay or prepaid scuba diving lesson. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Delay Coverage

Your bags may be on their own detour, but what do you do while you’re waiting? This coverage reimburses you for necessities while you wait for your luggage. For example, if you’re in Canada you may need a coat, hat and essential toiletries. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

Baggage Loss and Personal Effects Coverage

If your luggage doesn’t arrive at your destination when you do, it can throw your trip into chaos.

Baggage insurance can at least ease the financial pain a little. It can reimburse you for the bags and clothes and shoes that never arrive, but note that reimbursement is for the depreciated value of the items, not the cost to buy new ones. It also pays out for items lost to theft.

Travel Accident Insurance

Some travel insurance policies provide compensation for accidental death and dismemberment (AD&D). If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

Generally, AD&D travel insurance benefits cover death and the loss of feet, hands, sight, hearing, speech and fingers on the same hand caused by an accident. It usually pays out a percentage of the maximum benefit, depending on the loss. For example, the Atlas Journey Premier plan from WorldTrips includes $25,000 in AD&D coverage. It pays out 100% of the benefit if the policyholder loses both hands or both feet, both eyes or a hand and a foot. But it pays 50% if they lose either a hand or a foot or the sight in one eye.

There are common things not covered by travel insurance . Make sure you read a policy’s exclusions so you’re not caught by surprise later.

For example, injuries from high-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs.

Medical tourism is also a common exclusion, so if you’re going abroad for a face lift or other elective procedure, travel insurance won’t cover hospital bills or aftercare.

If you lose cash, or it’s stolen, that is typically also excluded from reimbursement under most travel insurance plans.

Keep in mind that travel insurance is designed to protect you against unforeseen events and emergencies. For instance, if you want to cancel a trip because you’re afraid of flying, that’s not covered under standard trip cancellation insurance.

The average cost of travel insurance is 6% of your trip cost, based on a Forbes Advisor analysis of travel insurance rates. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost.

The plan and provider you choose will also affect cost. Here are examples of the costs of the top plans in our ratings.

Travel Insurance Cost Examples

Average costs are based on rates for seven different trips with a variety of traveler ages, trip costs and destinations. Note that policies have different levels of benefits, which can account for price differences.

Key factors that affect travel insurance cost are your trip cost, age and how much coverage you buy.

  • Trip cost: The more trip cost you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, nonrefundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.
  • Age: Your age is also taken into account in travel insurance pricing. That’s because older travelers tend to make more claims, such as medical claims.
  • Coverage: The more protection you buy, the more you’ll pay for travel insurance. For instance, if you opt for a “cancel for any reason”  upgrade and generous travel medical expense coverage, you’ll pay more.

Your destination, trip length and prior travel insurance claims history generally don’t influence how much you pay for travel insurance.

Buying travel insurance is relatively easy. You can typically buy a travel insurance policy online within a few minutes by entering your:

  • Destination
  • Travel dates
  • State of residence

You’ll typically be presented with a selection of policies, usually at different price points, with the more expensive ones providing more protection. Once you select a policy, you can buy it online.

If you’re unsure of your trip cost, you can estimate the amount, and then update it later, as long as it’s before your departure date. You don’t have to insure the total amount of your trip to buy travel insurance. But note that some add-on benefits require you to insure 100% of your trip costs for you to be eligible to file a claim, such as a “cancel for any reason” claim.

You usually have two weeks or so to review your policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

You’re asked for your state because laws regulating travel insurance vary by state—it doesn’t affect your cost.

You can also usually buy travel insurance through a travel agent or from a travel supplier like an airline or cruise company.

It’s best to buy travel insurance as soon as you book your trip. That way you get the maximum length of coverage for trip cancellation benefits. Buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver .

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. Check your health plan details to see what it provides. Travel medical insurance fills the gap.

You’re Going to a Remote Area

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

The average trip cost for Americans traveling within the U.S. increased 46% from 2019 to 2022 and is now slightly over $4,000, based on data from Squaremouth. So having trip cancellation insurance to safeguard your trip investment can be a smart move.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Here are key considerations for choosing the best travel insurance policy that will match your needs.

Where You’re Going

If you’re traveling outside of the U.S., a plan with travel medical insurance is important because you may have little to no coverage under your U.S. health plan. If you’re taking a domestic trip, you likely don’t need it, or you may want to buy low coverage amounts as a back-up.

If you’re taking an international trip, emergency medical evacuation coverage is important to have, especially if you’re visiting a remote area that doesn’t have top-quality medical facilities.

If you’re traveling to a hurricane-prone destination, travel insurance can also be beneficial if you’re worried about severe weather spoiling your vacation plans.

If you’re concerned about weather woes affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

  • Your destination is under a hurricane warning.
  • Your destination is uninhabitable due to severe weather.
  • Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

How You’re Getting There

Travel plans can be derailed by weather, airplane mechanical issues or any number of other unexpected circumstances. If you’re worried about paying extra money for costs due to a delay, you may want to look for a plan that has a generous amount of travel delay insurance.

What You’re Doing

If you have lots of pre-paid, non-refundable deposits for activities, lodging and tours, it is especially important to have trip cancellation coverage. This holds true for trip interruption insurance as well.

Travelers who plan to participate in extreme sports or adventure excursions should consider buying a plan that covers these activities, as they’re often excluded.

How Much Flexibility You Want

If you want the freedom to cancel a trip no matter what, opt for a “cancel for any reason” upgrade. You generally have to buy it within the first few weeks of making your first deposit. Similarly, you can also buy an “ interruption for any reason ” upgrade that allows you to cut a trip short and return home for any reason.

These upgrades are especially good for the traveler who has put down substantial prepaid, non-refundable deposits.

Concerns About Covid and Variants

If Covid is a travel concern for you, look for a travel insurance plan that covers Covid-related cancellations and medical costs. The best Covid travel insurance plans will also include “cancel for any reason” coverage.

If you test positive for the virus during your trip, travel delay insurance can cover extra costs for accommodations during a quarantine. This coverage can also compensate you for expenses up to a week past your original return date if you’re forced to stay beyond your return date due to a quarantine.

If you miss portions of your trip because you’re forced to quarantine after a positive Covid test, trip interruption insurance can allow you to recoup non-refundable expenses that you paid for in advance.

In order to make a claim you’ll need documentation that you tested positive for Covid.

Americans are ready to take trips abroad in January: 89% of travel insurance purchases for trips taking place from Jan. 1 to 31, 2024, are for international trips, based on Forbes Advisor’s analysis of policy sales.

Mexico is the top international destination for trips this month, followed by the Bahamas and Costa Rica. In addition:

  • The average trip cost being insured for people traveling outside the U.S. in January is $6,427.
  • The average trip cost being insured for folks traveling within the U.S. this month is $4,512.
  • Americans traveling internationally are paying an average of $433 for their travel insurance policies for January trips and domestic travelers are paying an average of $266.

Where Are People Headed This Month?

Average trip cost for popular destinations.

The average spending on travel to Italy in 2023 spiked to a high of $10,585 for trips in June, while the lowest average cost for Italy trips last year was in December ($2,659). (These numbers reflect the non-refundable trip costs being insured.)

Also in 2023, average spending on trips to France was the highest for trips in May ($6,900) and the lowest in January ($2,560). Spending on France trips in December averaged $4,150.

In addition:

  • Japan trip spending was the highest in December ($10,000) and the lowest in March ($4,580).
  • Average trip costs for Mexico peaked in January of last year ($4,190) and dipped to a low in June ($2,710). Spending on Mexico trips in December ($4,130) nearly reached the year-high of January 2023.
  • The highest average spending on trips to Great Britain (U.K.) was in August ($6,455) and the lowest was in January ($2,420). Great Britain trip costs in December were averaging $3,600.

Increasing trip costs and flight delays top the list of concerns for many vacationers, and these worries are likely to continue plaguing travelers in 2024.

More than half of the respondents in a recent survey cited rising trips costs and fear of flight cancellations or delays as their top reasons to purchase travel insurance more frequently in 2024, says Carol Mueller, spokesperson for Berkshire Hathaway Travel Protection .

These concerns are valid. Nearly a quarter (23%) of all flights last year arrived at their destination later than expected, according to the Department of Transportation. And travelers have more to lose when things go wrong: The average spending on 2024 trips is 110% higher than the average cost for 2023 trips, based on Forbes Advisor’s analysis of travel insurance policy sales. These trip costs are based on the non-refundable deposit amounts being insured under travel insurance policies.

Inflation, high jet fuel prices and more expensive airline tickets are contributing to the uptick in travel costs.

Despite spiking trip expenses and snafus at the airport, the majority of Americans who are buying travel insurance are eager to travel internationally in 2024: 89% of travel insurance purchases for trips taking place January 1 to December 31, 2024, are for international trips, according to Forbes Advisor data.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

  • Couple, age 30 for a Mexico trip costing $3,000.
  • Couple, age 40, for an Italy trip costing $6,000.
  • Family of four for an Italy trip costing $15,000.
  • Family of four for a France trip costing $15,000.
  • Family of four for a U.K. trip costing $15,000.
  • Couple, age 65, for an Italy trip costing $6,000.
  • Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance :

  • Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
  • Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical expenses.

Do I need travel insurance for a cruise?

Travelers on cruises can potentially lose substantial money, just as much as a traveler on land. Cruise insurance can cover problems such as bad weather that causes a trip delay, or an illness that prevents you from traveling.

What do I need for travel insurance?

The information you need to buy travel insurance includes an estimate of your prepaid, non-refundable trip cost, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

Next Up In Travel Insurance

  • Best “Cancel For Any Reason” Travel Insurance Of January 2024
  • Best Cruise Insurance Plans Of January 2024
  • Best Covid-19 Travel Insurance Plans Of 2024
  • Best Senior Travel Insurance Of 2024
  • The 5 Cheapest Travel Insurance Companies Of January 2024

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle Megna

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

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  • Roadside Assistance Cover Two Wheelers
  • Tyre Protection Cover Two Wheelers
  • Zero Depreciation Cover Two Wheelers
  • Bike Insurance Calculator
  • Cashless Garages
  • Arogya Sanjeevani Policy
  • Cashless Health Insurance
  • Family Health Insurance
  • Health Insurance Claims
  • Health Insurance For Covid 19
  • Maternity Insurance
  • Niramaya Health Insurance Scheme
  • Senior Citizens Health Insurance
  • Swavlamban Health Insurance Scheme
  • Claim Settlement
  • Critical Illness Plans
  • Network Hospitals
  • Premium Calculator
  • Top Up Plans
  • Health Insurance Calculator
  • PMJAY (Ayushman Bharat Yojana)

Go Digit General Insurance

Starting at only ₹6 per Day*

Car Insurance banner image

A non-life general insurance company, Fairfax-backed Go-Digit started its operation in November 2017. The company aims at simplifying insurance plans so that they are extremely easy to comprehend. With the aim to ‘make insurance simple’ all the procedures have been digitised, thereby, easing the long and tedious claim settlements. The company offers the following:

  • Digit Car Insurance
  • Digit Two-wheeler Insurance
  • Digit Health Insurance
  • Digit International Travel Insurance
  • Digit Property Insurance
  • Digit Home Insurance
  • Digit Shop Insurance
  • Digit Fire Insurance

Digit Car Insurance Plans

Car insurance protects your car from the risk that is caused by accidents, thefts and even natural disasters. Let us take a look at the car insurance plans :

The scope  of comprehensive car insurance becomes wider with the add-ons:

Digit Two-Wheeler Insurance Plans

Let us take a look at the different aspects of two-wheeler insurance options:

  • Third-party Liability Insurance Policy During an accident, if your bike causes any damage or injury to a third-party person or property, TP insurance will cover all such costs. Third-party insurance policy is compulsory under the Indian Motor Act.
  • Man-made Thefts, riots, terrorist activity or vandalism
  • Self-ignition
  • Natural calamities such as earthquakes, floods, landslides etc
  • Comprehensive Two-Wheeler Insurance A combination of third-party and own-damage cover, comprehensive insurance covers the third-party damages along with the cost of repair of your bike.
  • Loss of limbs
  • Permanent disability
  • Add-ons for extra Coverage
  • Zero Depreciation Cover  Nullify the expenses that are otherwise not covered on depreciation of car parts.
  • Return to Invoice If your car goes for total loss or gets stolen, you will be compensated with your car's invoice value.
  • Engine and Gearbox Protection Cover Repair and replacement of gear box and internal parts of the engine will be covered
  • Consumable Cover Consumable items such washers, screws, nuts and bolts, etc are covered.
  • Breakdown Assistance In case your vehicle breaks down in the middle of nowhere, you can get help from the company.

Other Types of Motor Insurance Plans with Digit Motor Insurance are:

  • Commercial Vehicle
  • Taxi/Cab/Auto Rickshaw Insurance
  • Truck Insurance

Digit Health Insurance Plans

Health insurance covers you financially when you face a health condition or are in a medical emergency that could be due to an illness, injury or accident. Here are the features that make digit health insurance plans very beneficial:

  • Simple online procedures
  • Covers COVID-19
  • No age-based co-payment
  • Refill of the sum insured
  • Cumulative bonus for staying healthy
  • A network of 5,900 hospitals

Digit Travel Insurance Plans

Digit’s International Travel Insurance plans are created with the aim to offer maximum protection even when you are away from home. In some countries having travel insurance is mandatory for all travellers. Even if travel insurance is not mandatory, if you plan to go on an international trip, it would provide you with the much needed financial support in case of any problem.

Go Digit Premium Payment

Paying premium online would just take a few minutes. The process is simple and can be done in a few clicks. Visit the official website, select the plan that you have to pay for and make the payment through your Credit Card/Debit Card/ Net Banking/ UPI Wallet.

Go Digit Renewal Procedure

        A. Car and Two-Wheeler Insurance Plans

You can renew your insurance policy online within a few minutes. Visit the official website, and enter your previous policy details. Select the plan you want, and the add-ons that you wish to opt for if any. You will then see the premium amount and can make payment through an electronic medium. 

        B. Health Insurance Plans

To renew any of your health insurance policies, you need to sign in to the company website, through your mobile number or with your policy details. You may also click https://www.godigit.com/login for the same. If you wish to modify the policy, like add any riders or enhance the sum insured, you can do it at the time of renewal. 

Go Digit Expired Policy Renewal Procedure

If your motor insurance has expired, you can speak to the customer care and request for a surveyor’s visit. The surveyor will assess your vehicle and accordingly approve the renewal. Post the survey, you will be notified about the premium amount and the procedure to be followed. You would be able to make the payment through an electronic medium. 

When your policy expires, the 30-day Grace Period begins. You must get your policy renewed during this if you wish to continue with the policy benefits. If your policy has lapsed, you must get in touch with the customer care as early as possible. They would guide you about the renewal. Depending upon your selected plan, your age and the time lapse a medical screening may or may not be required. 

Car and Two-Wheeler Insurance

The claim procedure is totally digital. You just need to call on 1800-258-5956. Do the self-inspection by shooting the damages of your vehicle on your phone and upload it through the link that is shared with you. Then you need to select any of the following claim procedures:

  • Cashless Claim When the vehicle is repaired at a Digit Authorised Repair Center, the payment for the approved claim amount is made by the company directly to the repair centre.
  • Reimbursement  When you get your vehicle repaired at a non-network garage, you clear the bill on your own and then submit all the bills and receipts for reimbursement.

Health Insurance 

  • Cashless Claim When you have to be hospitalised at a network hospital, you need to present your e-health card at the helpdesk, and fill in the cashless request form.
  • Reimbursement  Call on 1800-258-4242 or send an email at [email protected] . You will receive a link where you can upload the hospital bills and all relevant documents. The reimbursement request will then be processed.

Travel Insurance

To make a claim for your international travel, you need to give a missed call at 1800-103-4448 if in India, or at 91-7303470000 if abroad. You may also send an email regarding the same at - [email protected] .  A company executive will call you back within minutes. You will receive a link where you can upload all relevant documents and details.

Go Digit General Insurance Limited-Company Profile

Started in the year 2016, by Kamlesh Goyal, Digit General Insurance Company became the General Insurance Company of the year, 2019, in Asia. Since its operations, the company has served over 5 million customers and achieved around 300 USD of annualised premium. The company also received a high customer rating of 4.7 out of 5 on Facebook. Out of the many attractive features, the most attractive benefits are: 

  • Very user-friendly and easy-to-follow online portal helps customers manage the procedures on their own
  • 80% advance payments for repairs at a garage of your choice
  • Smartphone-enabled self-inspection for motor claims is a unique and much-preferred way of vehicle assessment
  • Thanks to an efficient system there are super quick settlements
  • 24x7 customer care support

Go Digit General Insurance Limited Customer Care Details

Go digit general insurance faqs, 1. how does go digit calculate the travel insurance premium.

Premium is calculated on the basis of the following factors:

      a. Number of travellers       b. Age of Travellers       c. Destination        d. Duration of the Trip        e. The kind of plan chosen

2. Is it mandatory to buy overseas travel insurance?

There are some countries that have it mandatory for all travellers to have a travel insurance plan. However, even if travel insurance is not mandatory, if you plan to go on an international trip, it would provide you with the much needed financial support in case of any problem.

3. I have Digit’s Health insurance plan, can I get treatment at a non-network hospital?

Yes, you can, however, you would not be able to make a cashless claim and would have to claim for reimbursement.

4. Will my health insurance policy be valid in cities apart from the city of policy purchase?

Digit’s health insurance policy will be valid throughout the country. However, it is recommended to check the zone your particular city falls in.

5. What is the eligibility criteria to buy a Digit Super Top-Up Health Insurance plan?

People who are between the age group of 18 to 65 years can invest in the Super Top-Up Health Insurance plan.

Godigit Insurance

Godigit Insurance Plans

  • Part of the The Fintech 250 List by CB Insights
  • Insurance Startup of the Year - India by Insurance Asia Awards 2020
  • Great Place to Work Certified Organisation
  • Asia Insurance Review - Asia's Best General Insurance Company of the Year in 2019
  • Ranked among the Hottest Start-ups in India 2019
  • 10th CMO Asia Awards 2019 – Insurtech of the year
  • CMO Confluence & Corporate Awards 2019 - Best General Insurance Company
  • SKOCH Awards - SKOCH Order of Merit 2019
  • Top Indian Startup 2019
  • High Facebook Rating of 4.9 / More than 4 star rating by 92% customers

Godigit Health Insurance Overview

  • Why Should a customer opt for Go Digit General?

What's Great about Health Insurance by Digit?

Claims process, why should a customer opt for go digit general .

  • Super-Simple claims for Motor Insurance - Smartphone enabled self-inspection processes takes minutes
  • For claims, No forms to be filled + Visit any of the 1400+ authorised garages for cashless repairs
  • Loved by Customers - Customers have rated Go Digit 4.9/5 on Facebook.
  • No hidden clauses, jargon free documents in simple language
  • World class services and products to all their Customers + Growth along with Customer Centric Approach
  • No Claim form. Claim can be processed on Scanned copies
  • Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims
  • No Age based Underwriting for clean medical history. Medical questions through self filling form
  • Additional sum insured available – Get additional coverage specifically for Accidental Hospitalizations and Critical Illnesses, at zero cost
  • Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
  • No age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.
  • No room rent restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer.
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! You can get yearly cumulative bonus for claim-free years.
  • Get treated at any hospital - Choose from 5900+ of our network hospitals in India for cashless treatment or opt for a reimbursement.
  • In-patient treatment includes Hospital room rent or boarding expenses, nursing, Intensive Care Unit charges Operation Theatre charges, Medical Practitioner’s charges, fees of Surgeon, Anaesthetist, Qualified Nurse, Specialists, the cost of diagnostic tests, medicines, drugs, blood, oxygen, the cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure. A minimum period of 24 consecutive hours hospitalization as in-patient is must.
  • Pre & Post Hospitalization Cover : Covers relevant medical expenses incurred upto 30 days before hospitalization or day care treatment and 60 days post hospitalization for treatment of Disease, Illness contracted or Injury sustained.
  • Call : +91-7303470000 (This is a missed call only number for customers dialing from outside India)
  • Email : [email protected]
  • Email : [email protected]
  • Call : Toll Free 1800-103-4448
  • Email : [email protected]

Claims FAQ's

Exclusions under godigit health plans.

  • Initial Waiting Period 30 days, except accident
  • Specific Illness Waiting Period 2 years
  • PED Waiting Period options 2 years or 3 years Joint Replacement,
  • Bariatric Surgery & Organ Transplant 2 years
  • Substance abuse and Addictions by the Insured
  • Any accidental hospitalization under the influence of alcohol
  • Cosmetic, Aesthetic and Re-Shaping Treatment & Surgeries
  • Unproven or Experimental treatment
  • Hazardous Activities / Professional Sports / Defence Operation
  • War and hazardous substances
  • Artificial Life Maintenance
  • Insufficient Document submission
  • External Congenital Anomaly
  • Sexually Transmitted Infections & Disease • Sleep Disorders and Sleep Problems
  • Non-Medical Expenses - Items of personal comfort and convenience
  • Vitamins/ Nutritional Supplements unless prescribed by the physician as part of treatment
  • Routine medical, eye and ear examinations, cost of spectacles, laser surgery, contact lenses or hearing aids, vaccinations and inoculation of any kind, issuing of medical certificates and examinations as to suitability for employment or travel.
  • Any stay in Hospital without undertaking any treatment or where there is no active regular treatment by the Medical Practitioner
  • Prostheses, corrective devices, and medical appliances, which are not required intra-operatively or for the disease/ illness/ injury for which the Insured / Insured Person was hospitalized
  • Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment.
  • Any treatment received outside India.

List of Godigit health insurance policies

Arogya sanjeevani policy.

  • Arogya Sanjeevani Policy is designed to bring about a standardized product which provides basic coverage to the customers intending to ease the problem of vast number of choice and portability.

Digit Health Plus Insurance

  • Digit Health Plus Policy by GoDigit General Insurance Company protects you and your family by providing extensive plan coverage

Digit Health Care Plus Insurance

  • Entry Age : 1 day to 70 years can opt for this insurance cover.

Corona Kavach health insurance

  • Policy can be availed by persons between the age of 18 years up to 65 years, as Proposer. Proposer with higher age can obtain policy for family, without covering self..

Corona Rakshak health insurance

  • Policy can be availed by persons between the age of 18 years and 65 years. Proposer with higher age can obtain policy for adult members of the family, without covering self.

List of Godigit travel insurance policies

Overseas medicalim insurancee.

  • A comprehensive plan for a holiday abroad, with SI starting from 50,000 USD up to 5 lac USD.

Godigit Asia Travel Insurance

  • An affordable plan exclusively for travel within Asia.

Go Digit Health Insurance FAQ’s

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Explained: The importance of travel insurance in a shrinking world


Travel insurance covers more than just travel expenses, including hospitalization abroad and loss of checked-in baggage. It is a prerequisite for visa issuance in some countries. The premium depends on the country and duration of travel

Since international travel insurance is supposed to cover majorly your hospitalisation, you should take into account the cost of hospitalisation in the country you are travelling to.

As the world shrinks, people travel to far-off places for work and pleasure. Travel insurance now assumes greater importance than ever before. Travel insurance is very important especially while you are travelling abroad . Let us discuss what it covers and when one should buy it.

What is covered under the travel insurance

Though the word “Travel Insurance" suggests that expenses related to travel only are covered but travel insurance covers more than that. It also covers your hospitalisation while you are abroad which is important because the health insurance purchased by you in India generally covers your hospitalisation in India only. Some of the countries make the purchase of travel insurance a precondition before the issuance of a visa. Looking at the cost of medical treatments in some developed countries, it is a prerequisite for you to buy adequate travel insurance to safeguard yourself against a big hole in your pocket. Generally, travel insurance covers your loss of checked-in baggage, the cost of treatment, and hospitalisation abroad. Though most of the insurers do not cover your pre-existing disease a few of the insurers cover the treatment in case of life-threatening diseases. This also covers loss suffered due to delay or cancellation of your flights. It also covers any emergency arising out of delay or cancellation of flights.

How do we decide the sum assured?

Since international travel insurance is supposed to cover majorly your hospitalisation, you should take into account the cost of hospitalisation in the country you are travelling to.

Moreover, as it covers the loss of your checked-in luggage, you should take into account the value of your valuable belongings like your camera, laptop, etc. which you are carrying with you. You also need to factor in the cost of ticketing as well as hotel stay in case of delay or cancellation of flights.

What kind of travel insurance plan one should buy?

In case you are a frequent flier, you can buy a Multi-Trip travel insurance that covers you for all future trips taken within a specific period, with the same level of cover. For instance, if you buy an annual multi-trip travel insurance plan, you will be covered for any trips you go on during that year. However, in case your travel is one thing, you should buy travel insurance before undertaking that journey.

What Is the premium for travel insurance?

The premium of the travel insurance will depend on the period for which you are buying the travel insurance as well as the country you are travelling. Since hospitalisation is the major item that is covered under travel insurance, the premium will depend on the country you are travelling to. Some of the companies offer you cheaper insurance with sub-limits.

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For domestic travel, you may decide not to buy the insurance in case you are adequately covered under your regular health insurance. You may still decide to cover the two other elements of coverage like loss of baggage and loss due to delay or cancellation of flights but generally nobody buys domestic travel insurance.

When should one take it?

One should buy travel insurance before one undertakes a trip whether it is a foreign trip or domestic trip. One can buy it online as well if one is comfortable doing it.

What type of travel policy should I buy? 

The travel insurance to buy will depend on the country and period for which you are travelling and thus you will have to compare the premium and features of various insurance companies which provides travel insurance. Since most of the insurance companies provide you with instant quotes based on the data fed, you can check and compare a few insurance company websites to zero on specific products.

Keep in mind that selecting the right insurance policy has to be done carefully, since just like regular insurance, travel insurance comes in many options, and there is no one right plan.

Balwant Jain is a tax and investment expert and can be reached at [email protected] and on @jainbalwant on Twitter.

Disclaimer: The views and recommendations made above are those of individual analysts, and not of Mint. We advise investors to check with certified experts before taking any investment decisions.

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The Best Travel Medical Insurance of 2024

go digit international travel insurance

Allianz Travel Insurance »

go digit international travel insurance

Seven Corners »

go digit international travel insurance

GeoBlue »

go digit international travel insurance

WorldTrips »

Why Trust Us

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

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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About Digit General Insurance

Digit General Insurance Company, founded in 2016, is one of the pioneering insurers in India, financed by Fairfax Financial Holdings Limited (a Canada-based financial services group). With the help of its digital platform, the company provides a wide range of general insurance products, including health insurance , auto insurance, bike insurance, business insurance, shop insurance, and house insurance.

The company employs a one-of-a-kind multi-channel distribution approach for insurance products, as well as a digital platform for resolving claims and providing customer care. Digit General Insurance’s objective and vision are to make viewing, purchasing, and claiming insurance products as simple as possible.

Quick Facts About Digit Insurance

What are the types of plans offered by digit general insurance.

One of the most evident and crucial benefits of insurance plans is the payment of losses. And the yearly premium you pay is nothing in comparison to the benefits it provides in the event of, God forbid, an emergency or accident. Go Digit General Insurance company offers the following types of plans to its customers:

1. Digit Motor Insurance Plans

Digit General Insurance offers a wide range of motor insurance policies to protect you and your vehicle from risks and damages resulting from accidents, thefts, and natural catastrophes. The insurer also offers its policyholders a variety of add-on covers to supplement their coverage. Let’s have a look at the types of motor insurance provided by Digit General Insurance company.

Digit Car Insurance Plan

Digit car insurance provides coverage to accidents, theft, fire, natural disasters, personal accident, and third-party losses. The premium for the plan starts from Rs. 2072 and you can have cashless repairs at more than 5800 network garages across India. The plan not only covers the personal damages but also provides third-party damage cover. Moreover, 7 add-ons are available to the policyholder to customize the plan as per the needs and requirements.

Digit Two-Wheeler/Bike Insurance Plan

Go Digit’s two-wheeler insurance provides coverage against accident, theft, fire, natural disasters, personal accident, and third-party losses. The policy also provides 5 add-on covers that allow the policyholder to customize the plan as per their needs or requirements. The premium amount for Digit’s two-wheeler insurance starts from Rs. 752 and the policyholder can avail cashless repair service at more than 2900 garages.

Digit Commercial Vehicle Insurance Plan

Digit’s commercial vehicle insurance is a comprehensive commercial vehicle insurance plan that will protect you financially from physical damage to your insured commercial vehicle as well as third-party liability. The premium amount of the plan can be customized according to the number of vehicles to be insured and the type of commercial vehicle. The plan provides coverage for accidents, theft, fire, natural disasters, personal accident, third party, and towing disabled vehicles.

Digit OD Cover For Car

OD car insurance offered by Digit covers damages to your car in an accident, theft of your car, losses caused to your car in a fire, and damages to your car due to a natural calamity. There are 7 add-on covers available with the plan, namely, zero depreciation cover, return to invoice cover, passenger cover, tyre protect cover, breakdown assistance, consumable cover, and engine and gear-box protection cover. Anyone with valid third-party car insurance is eligible to purchase OD insurance for their car.

Digit Rickshaw Insurance Plan

With Go Digit’s rickshaw insurance, you can leverage 24 X 7 customer support, super-fast claims and can customize your vehicle IDV.The plan protects your autorickshaw against theft, fire, accident, natural disasters, personal accident, third-party losses, and towing disabled vehicles. The company generally offers two policies based on the needs of your three-wheeler: “Liability Only” and “Standard Package”. Some additional coverages are also available with the plan, such as legal liability cover, PA covers, special exclusions and compulsory deductibles, etc. All auto owners must get this auto rickshaw insurance to protect themselves financially from third-party liabilities.

Digit Taxi/Cab Insurance Plan

Go Digit General Insurance company offers two types of taxi/cab insurance as per the needs of your taxi or cab: “Liability Only” and “Standard Package”. You can get super-fast claims, round-the-clock customer support, and you can even customize your vehicle’s IDV with Digit’s taxi/cab insurance. The plan provides coverage against personal accidents, natural disasters, theft, fire, accidents, third-party losses, and towing disabled vehicles.

Digit Truck Insurance Plan

The truck insurance coverage offered by Digit is a comprehensive commercial truck insurance policy that ensures the customer’s business works smoothly. It enables truck drivers to manage their businesses successfully and without incurring any unexpected charges. Similar to taxi/cab insurance, Digit’s truck insurance policy is available in two forms: “Liability Only” and “Standard Package”.

2. Digit Health Insurance Plans

When we talk about Digit health insurance policies, the company provides the following health insurance plans to the people:

Digit Health Insurance Plan

All hospitalization (including for Coronavirus), daycare procedures, room rent capping, road ambulance charges, ICU room rent, complimentary health check-ups, etc. are covered under the policy.

Digit OPD Health Insurance Plan

Digit’s OPD health insurance provides coverage for professional fees, diagnostic fees, surgical treatments, medicine bills, dental treatments, hearing aids, and various other benefits. Individuals who are fitness enthusiasts, senior citizens, working professionals with limited coverage of group medical insurance, and individuals between the age of 25 to 40 years should purchase this plan for greater benefits.

Digit Super Top-Up Health Insurance Plan

The Digit super top-up health insurance plan is an add-on to your regular health insurance policy that kicks in after your basic coverage is exhausted due to claims. With Digit’s super top-up health insurance plan, you can get treatment at any of the 6400+ network hospitals in India. You can choose between deductibles of 1, 2, 3, and 5 lakhs, as well as a sum insured of Rs 10 lakhs to Rs 20 lakhs.

Digit Arogya Sanjeevani Policy

With Digit’s Arogya Sanjeevani policy, you can customize your sum insured as per your needs and requirements. The company also provides minimal co-payment, which means that you just need to pay 5% of the claim amount during a health insurance claim. The sum insured options under Digit’s Arogya Sanjeevani Policy range from 3 lakhs to 2 crores in multiples of 50,000.

Digit Personal Accident Insurance Plan

What makes personal accident insurance from digit a great option is that it provides you with various benefits, such as a wide range of coverage, no medical tests, home hospitalization coverage, cumulative bonus, and much more. When you get personal accident insurance from Digit, you and your family will be protected against accidental death, disablement, hospitalization expenses, and loss of income. Moreover, the plan covers the various benefits for children in case the worst happens.

Digit Employee Health Insurance Plan

Digit’s Employee Health Insurance plan provides coverage for accidental hospitalization, COVID-19 hospitalization, illness-related hospitalization, daily hospital cash cover, psychiatric benefit, critical illness cover, maternity benefit with newborn baby cover, and various other benefits. The premium of the plan starts with Rs. 1500 per employee and the buying, as well as the claim process, is paperless and digital-friendly.

3. Travel & Corporate Insurance Plans

Digit General Insurance company also provides various other insurance products as follows:

Digit International Travel Insurance Plan

Digit General Insurance company offers two options under its international travel insurance plan: Basic and Comfort. The plan covers accidental death and disability, trip cancellation, loss of passport, trip abandonment, delay of checked-in baggage, to name a few. The premium amount for the plan starts at Rs. 175 and a total of 216 countries and islands are covered under the plan.

Digit Flight Delay Cover

Digit’s common carrier delay coverage provides a fixed benefit that covers domestic flight delays. For all flights from February to November, a fixed benefit of Rs. 1000 will be provided to the policyholder. Whereas, for all flights in December and January, a fixed benefit of Rs. 750 will be offered. What makes Digit’s common carrier delay cover unique is that the claims are automated and 1½ or 2 hours delay cover is provided to the policyholder.

Digit Property Insurance

Digit’s property insurance provides coverage against fires, explosion and aircraft damage, storms, floods, burglaries, and earthquakes. The plan comes in three variants, Option 1, Option 2, and Option 3. Option 1 provides coverage to the content of your home or business, Option 2 covers both the content and building of your home or business, and Option 3 offers coverage to the contents of your home or business, building, and various valuables like shop counter.

Digit Home Insurance

With Digit’s Home Insurance plan, you can get complete financial and social security, protection against uncertainty, and protection from natural calamities. The plan covers losses caused due to storms, fires, explosions and aircraft damage, earthquakes, flood, and burglaries.

Digit Shop Insurance

Digit’s shop insurance covers fire and natural calamities such as floods and earthquakes. As the plan is a type of property insurance, it is also available in three options: Option 1, Option 2, and Option 3.

Digit Fire Insurance

A fire insurance policy is a crucial component of a property insurance policy that helps protect your home and business properties, such as apartment buildings, office spaces, and businesses, against fire-related losses and damages. Insurance against fire is not a stand-alone product. To get this coverage, you must buy a Digit’s SFSP policy with the add-on cover of fire.

Homeowners, small business owners, medium business owners, renters, and large enterprises should consider buying this plan to ensure their home or business is covered against losses due to fire.

Why Plans From Digit Insurance Deserve Your Attention?

Insurance plans from Digit Insurance provide you with several benefits. Some of them are mentioned below:

  • Healthy Solvency Ratio!

The solvency ratio is an important indicator for determining a company’s capacity to meet debt and other obligations. All insurers must keep a healthy solvency ratio of 1.5, according to the IRDAI. The solvency ratio of Digit Health Insurance was 3.24 as of March 2020. As a result, we may conclude that Digit Insurance company has a healthy net worth and a sustainable debt load.

  • Interested In COVID-19 Coverage? – Digit Covers It Too

COVID-19 is covered as part of Digit Health Insurance’s health insurance; you do not need to get additional coronavirus coverage. If you or a member of your family tests positive with COVID-19, Digit will cover the costs of treatment.

  • 6400+ Network Hospitals

Digit offers over 6400 hospitals in its network where users can access cashless healthcare. While the insured benefit from Digit by paying a lower price to network hospitals, the hospitals benefit from the health insurer’s network by gaining more patients. As a result, you won’t have to stress about making financial arrangements at the last minute.

  • Strong Customer Support

Digit has a strong customer support team that works round the clock to solve various queries. For health insurance claims, you can call at 1800-258-4242 or mail at [email protected]. For COVID-19 claims, you can call the same number or reach them at [email protected]. Moreover, for any other queries and claims, you can call 1800-103-4448 or mail at [email protected].

  • Hassle-Free Online Process

From acquiring health insurance coverage to reporting claims, everything is straightforward, quick, and paperless with Digit Insurance plans. Even for claims, no hard copies will be required!

  • Fewer Terms & Conditions

Under Digit General Insurance plans, there are no hidden clauses. The documents are in simple language without any jargon. The company provides simple and easy products that you can count on.

Buying Process For Digit General Insurance Policy

One can buy an insurance plan from Digit General either through an online or offline method. Let’s take a look at both of the processes:


  • Visit the official website of Digit General Insurance company.
  • Select the type of insurance you want to buy from Digit General Insurance company.
  • Fill in the details under the “View Prices” tab and click on “View Prices”.
  • A page will be displayed to you in which you need to fill in all of your basic details.
  • After filling in the required details, choose your respective plan and press “Continue”.
  • Enter your personal details, such as name, pin code, email address, mobile number, etc., and click on “Pay Now” to make the payment for the plan.

You also have an option to purchase these plans from Probus Insurance. Just visit the official website of the company.


You can either go to the branch office or call the insurance provider (Digit). The company’s customer representative will listen and respond to your questions and will help you in buying a suitable insurance plan. You can choose your plan, submit all the necessary documents, and make payment for the plan respectively.

In case you are not satisfied with the services or policies offered by the insurance provider company, you can reach out to Probus Insurance.

What’s The Claim Process For Digit’s General Insurance Plans?

For each type of Digit’s insurance plan, the claim process is different. Let’s take a look at them one by one:

Motor Insurance Claim Process

The claim for Digit’s motor insurance can be availed through two methods. They are as follows:

  • Cashless Claim Process: As quickly as possible, notify the insurer of the accident or the covered event/uncertainty. All you have to do is dial the toll-free number 1800-258-5956, which is available 24 hours a day, seven days a week, and give the Digit representative all the information you have. A self-inspection link will be issued to your registered mobile number as soon as you notify the claim. You will be required to follow the steps and instructions and use your smartphone to photograph the vehicle’s damages. The Digit team will evaluate the loss and damage and contact you with an estimate of the costs and claim amount. The company will pay the full cost of the claim, and the insurer will return the vehicle after the applicable deductibles have been paid.
  • Reimbursement Claim Process: Intimate the insurance company about the vehicle’s damage as soon as possible. Simply dial the toll-free number 1800-258-5956 and provide the Digit representative with all of the information you have regarding the accident. Take photos of the damage that your vehicle has received. Digit will investigate the shots you’ve sent and analyze the damage. Digit’s team will contact you as soon as they get an estimate. After the insured policyholder has submitted all invoices and receipts, the company will reimburse the claim amount. After paying the required deductibles, the insured can have the vehicle back.

Health insurance Claim Process

The claims for Digit’s health insurance can be availed either through a cashless method or reimbursement method. Let’s discuss them one by one!

  • Cashless Claim: Notify the insurance company at least two to three days in advance of any planned hospitalization, or within 24 hours of any emergency hospitalization. Present your e-health card and request the pre-approval form at the hospital’s helpdesk. Fill out the form, sign it, and submit it at the helpdesk. If everything seems good, you can proceed with the treatment using the cashless option. As soon as the treatment is approved, make sure it is completed within 15 days. The claim will be settled directly with the hospital by Digit.
  • Reimbursement Claim: Within two days after your admittance date, you must contact your insurance company. The company will then send you a link to upload soft copies of all original papers (bills, reports, etc.) as well as bank account information. You must sign all of the documents personally before uploading. You have 30 days from the date of discharge or when you obtain the URL to upload the documents. Within 30 days of receiving the last essential claim document, you will get reimbursement.

Travel/Home/Corporate Insurance Claim Process

After you buy any of the other insurance plans of Digit, you can follow three simple steps to make your claim process hassle-free:

Step 1: Call at 1800-258-5956 (if you are in India) or you can drop a missed call at +91-7303470000. The company will call you back in 10 minutes.

Step 2: A link will be sent to you on your registered mail address or phone number. Upload all the necessary documents and your bank account details.

Step 3: The company will then take care of the rest of the claim process.

Frequently Asked Questions

Some of the coverage benefits provided by Digit International Travel Insurance are:

  • Trip cancellation
  • Flight delay
  • Cashless facility
  • Personal Accident
  • Delay of checked-in baggage
  • Loss of passport
  • Emergency trip extension
  • Trip abandonment

The Go Digit Health Insurance plans cover a total of 20 critical illnesses from five different categories.

The following are the add-on coverage options available with Digit’s bike insurance policy:

  • Zero Depreciation Cover
  • Engine & Gear Protection Cover
  • Breakdown Assistance Cover
  • Return to Invoice Cover
  • Consumable Cover

Yes, you may get Zero Depreciation coverage for a used bike as long as it is under 5 years old. Before adding this add-on to your policy, the company may undertake an inspection.

Digit General Insurance adheres to a policy of little or minimal paperwork. As a result, no paperwork is necessary at the time of renewal. All you have to do now is fill in the essential information.

Yes, Digit’s cashless garage service is quite convenient. The following are some of the facility’s benefits:

  • It’s a simple, convenient, and trouble-free solution.
  • The policyholder does not have to fill out a lot of paperwork while using a cashless garage.
  • This service eliminates the need for an individual to carry cash, easing the financial burden on the policyholder.

GoDigit FAQs

  • Download Digit Insurance Policy
  • Digit Insurance Customer Care

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Travel Insurance

John Hancock travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

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

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 24, 2024

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John Hancock Insurance Agency

John Hancock Insurance Agency

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

John Hancock’s Silver travel insurance plan has solid coverage for baggage and personal item loss, baggage delay and travel delay. Silver is John Hancock’s top-scoring plan in our analysis of the best travel insurance plans , but its pricier Gold plan gets the same rating of 3 stars.

  • Silver plan has $1,000 specific items limit for personal item loss.
  • Generous $500 per person baggage delay benefit.
  • “Cancel for any reason” coverage upgrade of 75% available.
  • Lower emergency medical coverage limit than many leading competitors.
  • No option to purchase “interruption for any reason” coverage.
  • No non-medical evacuation coverage.

Why trust our travel insurance experts

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

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

John Hancock overview

John Hancock travel insurance is underwritten by Starr Insurance, which was founded in 1919. It offers three travel insurance plans: Bronze, Silver and Gold. Its Silver and Gold plans get 3 stars in our rating of the best travel insurance . 

John Hancock travel insurance plans

John Hancock offers three plans with varying levels of travel insurance coverage . Each plan includes: 

  • 24/7 assistance.
  • Airline ticket change fee.
  • Baggage/personal effects coverage. 
  • Emergency medical coverage. 
  • Emergency medical evacuation coverage. 
  • Missed connection coverage.
  • Terror attack coverage. 
  • Trip cancellation coverage.
  • Trip delay coverage.
  • Trip interruption coverage. 


John Hancock’s Bronze plan is the most economically affordable of the three options. This plan includes all the standard coverage benefits:

  • Emergency medical evacuation: $250,000.
  • Emergency medical: $50,000.
  • Trip cancellation: 100% of eligible trip costs.
  • Trip interruption: 125% of eligible trip costs.
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least two days before your departure date. 

The Bronze plan also includes coverage for delayed and lost baggage, missed connections, travel delay and 24-hour accidental death and dismemberment. This plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. Pre-existing conditions are typically not covered by travel insurance. 


The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . 

  • Emergency medical evacuation: $500,000. 
  • Emergency medical: $100,000.
  • Trip interruption: 150% of eligible trip costs.

The Silver plan includes more coverage than the Bronze plan for missed connections, travel delay, lost and delayed baggage and 24-hour accidental death and dismemberment. 

Like the Bronze plan, the Silver plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. 

The John Hancock Gold plan also scores 3 out of 5 stars in our analysis of the best travel insurance companies. 

  • Emergency medical evacuation: $1 million.
  • Emergency medical: $250,000. 
  • Trip cancellation: 100% of eligible trip costs. 
  • Trip interruption: 150% of eligible trip costs. 
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least days before your departure date.

Of the three plans offered by John Hancock travel insurance, the Gold plan offers the highest coverage limits for travel delay, missed connections and baggage loss. It also offers baggage delay and 24-hour accidental death and dismemberment coverage.

Additional travel coverages

John Hancock offers three add-on coverage options to further customize your insurance plan. For an additional cost, these add-ons can be purchased at the time you purchased your policy. 

“Cancel-for-any-reason” (CFAR) coverage

The Bronze, Silver and Gold plans all offer the option to upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage reimburses 75% of nonrefundable payments or deposits even if the trip is canceled for a reason that is not listed in your policy. 

A CFAR upgrade is only available if you buy it within 14 days of your first trip deposit. To use this coverage, you need to cancel your trip at least 48 hours before your scheduled departure date. 

Accidental death and dismemberment coverage

Each of John Hancock’s travel insurance plans include coverage for accidental death and dismemberment (AD&D). The Bronze plan includes $25,000 per person, while the Silver and Gold plans increase coverage to $100,000 per person. Each plan offers the option to include coverage for flight only AD&D, which pays an additional benefit for loss of limb or life when you’re a passenger on a common carrier aircraft.

Rental car damage coverage

Rental car damage is add-on coverage that will reimburse up to the vehicle’s actual cash value (ACV), the cost of repairs or the benefit outlined in your policy details if it’s damaged in a collision or stolen while in your possession. Covered losses include fire, flood, hail or windstorm damage.

What John Hancock travel insurance doesn't cover

Like all travel insurance companies, John Hancock does not cover every incident that could occur before or during your trip. 

For instance, exclusions to emergency medical coverage for the John Hancock Gold plan include:

  • Cosmetic surgery (except as the result of accidental injury).
  • Dental treatment (unless as a result of accidental injury).
  • Injuries due to activities such as contact sports, hang gliding, skydiving, mountaineering, horse racing, car and motorcycle racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), spelunking and bungee jumping.
  • Injuries resulting from being intoxicated above the legal limit or under the influence of drugs or narcotics (unless prescribed by a physician and taken in accordance with your physician’s instructions).
  • Mental or emotional disorders.
  • Non-emergency treatments or surgeries including routine physical exams, hearing aids, eyeglasses or contact lenses.
  • Piloting or learning to pilot an aircraft.
  • Suicide or attempted suicide.

Each John Hancock’s travel insurance plan has limitations, so it is important to read the fine print for what is covered. John Hancock’s “free-look” period gives you 14 days in most states to review your policy and cancel for a full refund if it doesn’t fit your needs.

John Hancock travel insurance policy rates

How much you’ll pay for a John Hancock travel insurance plan will depend on personal factors such as your trip destination, trip length, number of travelers and age of travelers. Upgrades such as “cancel for any reason” (CFAR) coverage will also impact your rate. 

We plugged in several travel scenarios to give you sample rates for John Hancock Insurance Agency’s Silver plan. 


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

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

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

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

Frequently asked questions (FAQs)

John Hancock travel insurance is a subsidiary of Manulife. Manulife is an international financial services company that operates primarily as John Hancock in the United States and Manulife elsewhere.

Yes, John Hancock travel insurance Bronze, Silver and Gold plans all offer the option to purchase “cancel for any reason” CFAR coverage . This upgrade will reimburse up to 75% of your nonrefundable trip payments if you decide to cancel, as long as you do it at least two days before your scheduled departure.

Pre-existing conditions won’t be excluded from coverage if you buy a John Hancock travel insurance plan within 14 days of your first trip payment, your policy is the first and only policy issued for your travel dates and destination and you are medically able to travel at the time you buy your policy. As always, it is a good idea to check your policy details to confirm coverage.

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

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

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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10 worst US airports for flight cancellations last week

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HTH Worldwide travel insurance review 2024

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Airfare at major airports is up 29% since 2021

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USI Affinity travel insurance review 2024

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Trawick International travel insurance review 2024

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Travel insurance for Canada

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Travelex travel insurance review 2024

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Best travel insurance companies of January 2024

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Best travel insurance for a Disney World vacation in 2024

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World Nomads travel insurance review 2024

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Outlook for travel insurance in 2024

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Survey: Nearly 85% of Americans avoid family over the holidays

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  1. An Overview of Go Digit General Insurance Ltd

    go digit international travel insurance

  2. How to Find Policy Number in Go Digit Insurance?

    go digit international travel insurance

  3. Go digit Insurance ||HISTORY|| #BUSINESSMODDEL

    go digit international travel insurance

  4. Go Digit General Insurance Ltd

    go digit international travel insurance

  5. How IPO-Bound Digit Insurance Stacks Up Against Competition

    go digit international travel insurance

  6. GO DIGIT General Insurance Limited IPO Details Issue Price, Date, News

    go digit international travel insurance


  1. International Travel Insurance Online Starting @ ₹225 Only

    Digit's International Travel Insurance is designed to accompany you on all your travels; to help you travel smarter and safer. ... Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579 ...

  2. Go Digit Travel Insurance: Compare Plans, Reviews and Benefit

    Digit Travel Insurance Inclusions. Here are some of the coverage benefits offered by Digit international travel insurance: Flight Delay: Automatic reimbursement ranging from Rs. 500 to Rs. 1000 for any flight delays of over 4 hours or more. Trip Cancellation: If for any reason your trip is canceled then you will be reimbursed for your costs as per your policy schedule.

  3. International Travel Insurance Online with COVID-19 Cover in India

    Digit's International Travel Insurance is designed to accompany you on all your travels; to help you travel smarter and safer. ... Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579 ...

  4. Digit's Travel Insurance Claim Process: Helpline Number & Email

    Want to file an International Travel Insurance claim? Call our helpline number 1800-258-5956 (if you are calling from India). If you are calling from outside India then give a missed call at +91-7303470000 and we'll call you back within just 10 minutes! You can also reach out to us through email - [email protected].

  5. GoDigit Travel Insurance

    8. International Travel Insurance. International travel insurance is a must for trips abroad. In many countries, it is a mandatory requirement when applying for a visa. This type of insurance safeguards travelers from unforeseen expenses and mishaps during international travel. 9. Schengen Travel Insurance

  6. Digit Travel Insurance Reviews

    call 1800 103 4448 whatsapp 70260 61234 mail_outline [email protected] Our WhatsApp number cannot be used for calls. This is a chat only number. Digit Travel Insurance Reviews. Switch to Digit Insurance. Trusted by 2 crore Indians. { {country}} Most Popular (You can select more than one) { {country}}

  7. Godigit Overseas Travel Mediclaim Insurance

    Parents and senior citizens from India visiting their children in the USA, the UK, Australia, Canada, and other European countries can avail best medical and travel insurance coverage under this plan. GoDigit international travel also offers coverage for pre-existing conditions if it has been declared while buying the policy.

  8. 5 Best International Travel Insurance Companies of 2023

    Generali Global Assistance. Generali Global Assistance is a top provider for international trips, as well as for travel insurance plans with coverage for pandemic-related claims. This provider ...

  9. 11 Best Travel Insurance Companies in January 2024

    Allianz Global Assistance. Best for travelers with pre-existing medical conditions. Travel Guard by AIG. Best for those who pack expensive equipment. Travel Insured International. Best for ...

  10. 11 Best Travel Insurance Companies Of January 2024

    The Best Travel Insurance Companies. Travel Insured International - Best for Non-Medical Evacuation. WorldTrips (Atlas Journey Premier and Atlas Journey Preferred) - Great for Add-On Coverage ...

  11. Godigit International Insurance

    Insurance cover is arranged by Yatra.com from Go Digit General Insurance Limited under Digit On-The-Move Group Policy UINGODTGOP18045V011718 Our Family ... pricing, availability, and booking facility for domestic and international air travel, domestic and international hotel bookings, holiday packages, buses, trains, in city activities, inter ...

  12. Digit Insurance

    You need to enable JavaScript to run this app. Digit Insurance. You need to enable JavaScript to run this app.

  13. Go Digit General Insurance

    With the aim to 'make insurance simple' all the procedures have been digitised, thereby, easing the long and tedious claim settlements. The company offers the following: Digit Car Insurance. Digit Two-wheeler Insurance. Digit Health Insurance. Digit International Travel Insurance. Digit Property Insurance.

  14. Godigit Insurance Online, Popular Plans for Overseas Travel and Indian

    Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095. Other Claims: For International Travel Insurance Claims : Call : +91-7303470000 (This is a missed call only number for customers dialing from outside India) Email : [email protected]. For COVID-19 Claims.

  15. Explained: The importance of travel insurance in a shrinking world

    For instance, if you buy an annual multi-trip travel insurance plan, you will be covered for any trips you go on during that year. However, in case your travel is one thing, you should buy travel ...

  16. Best Travel Medical Insurance of 2024

    Breaking a bone during a trip. $25,000 to $2 million. Emergency evacuation coverage. Heart attack that requires a helicopter ride to a hospital in another town. $25,000 to $1 million or more ...

  17. Digit General Insurance

    For health insurance claims, you can call at 1800-258-4242 or mail at [email protected]. For COVID-19 claims, you can call the same number or reach them at [email protected]. Moreover, for any other queries and claims, you can call 1800-103-4448 or mail at [email protected]. Hassle-Free Online Process.

  18. John Hancock Insurance Agency Travel Insurance Review 2024

    The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . Emergency medical evacuation: $500,000. Emergency medical: $100,000 ...

  19. Godigit Domestic Insurance

    Insurance cover is arranged by Yatra.com from Go Digit General Insurance Limited under Digit On-The-Move Group Policy UINGODTGOP18045V011718 Our Family ... pricing, availability, and booking facility for domestic and international air travel, domestic and international hotel bookings, holiday packages, buses, trains, in city activities, inter ...