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Price surge of 15% within less a year

Customer service is easily reachable, and super friendly and competent staff. Anyhow, I wanted to remove the comprehensive cover from my moto insurance. They sent me an offer with the rest of the insurance stealthily increased by 15% (compared to an offer not even a year ago!). They didn't even say anything or warn me about the extreme price surge. Called customer service again, but they couldn't explain the surge but just "that's just a general premium increase". So I have to pay 15% increase but got nothing in return? They wouldn't give me a better offer. Sorry Zurich, your competitors are up to 50% cheaper, I'll happily switch to one of them once the insurance expires.

Date of experience : April 08, 2024

Caring and helpful

I cannot understand all the bád reviews. I had to contact them once when I broke down on the N4 on a bank holiday Friday night. They were so helpful and reassuring. They worked hard to get a breakdown truck to me considering I am female and was alone. They organised a tow and both they and I tried to get me accommodation in the area, unfortunately due to the bank holiday that wasn't possible. Then then organised a taxi the 100 míle plus journey home. They covered as much as the cost as stated in my policy and I topped up the rest. Cannot express how grateful i was to their afterhours customer service team. And roadside assistance does not affect nó claims bonus in any way. Thank you Zurich

Date of experience : June 09, 2023

There was I expecting to find good reviews? I have been with Zurich since I came to Italy in 2013. I was with Zurich in Ireland for many years before. Who knows how much I have paid them for house and car insurance. I have breakdown cover. After waiting more than 4 hours I was told to call the police and get them to tow me, I had to organise my own rcovery. I have replacement car cover. They want a detailed breakdown of the cost to fix it. The gearbox has been removed, the flywheel is broken, the engine is seized, but apparently, a declaration to this effect is not enough. We have to wait until the engine has been removed and we have made a choice over repair, replace or get a new car, What a waste of money. Oh, I forgot, I had to push the car to a safe place and there was a 16km walk home.

Date of experience : March 21, 2024

Didn't bother contacting me back…

Didn't bother contacting me back regarding my repairs after there client hit my vehicle back in November which I have videos of, now 5 months later. Im now £80 out of pocket of my own money to fix the repair phoned them to find it had all been cancelled spot on cheers eyy

Date of experience : March 04, 2024

All the other terrible reviews on here just tell it all

I need to apologise to Seetickets for suggesting they had the worst customer service in the world as Zurich beats them hands down. A snail (probably even a dead one!!) would move faster than Zurich customer service and their internal processes appear prehistoric. I won't even list the actual details of their failures - which range from not accepting a government issued document through to even wanting a copy of my bank statement. For my sins before retiring I used to be CEO/MD of several businesses including a global consultancy which specialised in improving customer service - which we did in countless international companies including multi-nationals. Wow do Zurich need that help right now!!!. I am so appalled at their business performance I have written to the UK CEO and copied Mario Greco who is head of Zurich worldwide. I doubt he appreciates Zurich is one of the lowest scoring entities (not just in finance) across the whole of Trustpilot. Were I in his shoes or that of the UK CEO I would resign in sheer embarrassment at my failure to run a successful business. If anyone is considering using Zurich they should avoid them like the plague

Date of experience : January 30, 2024

Terrible communication

Terrible communication. The claims rep does not reply to emails or phone messages. Collecting disability after an accident. Barely enough to cover my bills and I have to call and beg for the money every month. Very frustrating.

Date of experience : February 27, 2024

Reimbursement take to long and no one gets back to you n mid January I sent in my 2 receipts…

In mid January I sent in my 2 receipts for medication and only reimburst me for 1, no-one emails back or calls. This month I've put another 2 receipts and still have not been reimburst, I'm on disability and struggling enough and that money is also food shopping money I have emailed my case worker and claims department 7 time's in the last week and neither gets back to you to discuss what's happening. Friday I received a copy of an email from the team manager to my case worker stating to arrange my refund and pay today that was last friday still nothing. Would not recommend them to anyone for workers compensation

Date of experience : February 21, 2024

Reply from Zurich Insurance

Hi Helios, sorry to hear you've been unhappy with your experience with Zurich. Could you please send an email to [email protected] with your contact and policy details, and someone will be in contact with you to discuss further. Thank you!

Return my money $727,500aud

Return my money You are holding my.money refusing to return it for no reason, after 7 months. You owe me $727,500 aud. Return my money now

Date of experience : March 25, 2024

Hi Cathy, Thank you for contacting Zurich Australia. Can you please contact our Customer Service Team through phone or email? Information can be found on this page for both Life & General Insurance > https://www.zurich.com.au/contact.html We'll be happy to help with your claim. Thank you, Alecia

I'm a customer with Zurich insurance…

I'm a customer with Zurich insurance Switzerland and the service is horrific, made a claim in December for travel insurance and have not hear anything from them other than that my case is 'delayed' emailed countless time with no response. Would recommend to anybody to stay away from them.

Date of experience : December 29, 2023

Our house wall collapsed Zurich didn’t pay a penny

Our house wall collapsed following a severe storm and Zurich have refused to pay the 42k rebuild costs leaving us in a freezing cold unsafe house for months. The claim started in a November 2022 and the appeal result today was still no we are not going to help us. Do not waste your money insuring with this terrible company they are not there when you need them.

Date of experience : November 06, 2023

What a disgraceful

What a disgraceful, shambolic insurance company. A small claim for just £150. Do you think they will pay? Absolutely not. Been driving with no driver wing mirror now for nearly 2 months which is obviously dangerous on motorways, putting I feel, my life in dangerous situations. I would also give a 0 rating if possible and advise anyone to stay away from this awful company. 😖

Date of experience : January 03, 2024

Remove your money from this firm

Seeing that they refused to do something when my car had an accident I had to stop being insured under them after 16 years I filed to 7102.pl who helped me go through with everything and got my money from this company because that’s what they’re interested in about $405k

Date of experience : January 12, 2024

Run from this company

Run from this company. They are the absolute worse. My homeowners insurance is paid by my Escrow. It was due 2/4 and Escrow sent payment on 1/9, like they have done for years. The payment was rejected on /1/22 and no one advised me so my insurance was cancelled and I had no insurance until they sent me a letter on 2/12. No one from Zurich reached out and they refuse to reinstate the policy. I had to go to another company that cost more. They are not customer centric and could care less about their customers. I highly recommend seeking out other companies. Their reps, Mr Robert C was totally useless. He works for Arrowhead and they are worse than Zurich. I welcome an explanation but their reps could not provide any help or care. So I doubt I will get a response to this email but they do have my contact info and could call me. I will not hold my breath.

Date of experience : February 13, 2024

Hello, thank you for reaching out. Please complete this form https://bit.ly/49xEytp and include your claim information, as well as any additional details you can share. Thank you.

I have been waiting for ages and the…

I have been waiting for ages and the lack of empathy being shown to someone who is classed as being vulnerable is shocking

Date of experience : March 05, 2024

THEY DO NOT CARE AT ALL

THEY DO NOT CARE AT ALL, THEY JUST WANT YOUR MONEY! This insurer should be shut down from business immediately! They do not care if you are eligible or not they will deny your claim no matter what and if you asked them for explanation they will only apologise to you for not agreeing with their policy and that’s the end. I can’t even express how disgusted I am with this insurer. I had currently 7 unfortunate claims as I had many problems on my travels from delayed & missed flight, delayed baggage, medical claim and robbery. And 5 of these claims has been denied to me so far and I am still waiting for one which I bet will be denied again: That’s just proves that they will deny your claim cause they do not want to pay you. THEY DO NOT CARE AT ALL, THEY JUST WANT YOUR MONEY!

Date of experience : December 04, 2023

Zurich can't be trusted

Zurich can't be trusted. Zurich refused to pay for a claim despite having confirmed on the phone that they will reimburse us and giving us instruction on what to do on the day of the event. Zurich also refused to give us the recording of the phone call where they had confirmed that I was covered and that they will reimburse us. What is the point of paying for insurance if when you have a problem they will try to find excuses to not reimburse you, even worst they don't respect what they say.

Date of experience : May 18, 2023

The single worst and shadiest insurance…

The single worst and shadiest insurance company in Switzerland. Stay away from it at all costs. I've never had such a bad experience with an insurance company, and that is an understatement. I've rarely been so angry at something but boy oh boy do they get under your skin very easily. They are using the law at their advantage to refuse the cancellation of an insurance you have registered with them. And they will send you to the worst customer support I've ever had to deal with, straight up telling you they can't do anything for you, when in fact they could. They are unhelpful and shady.

Date of experience : December 01, 2023

Hello Kaeltu It seems that something has gone wrong! We would like to assist you further. If you wish, you can contact us at [email protected]. We will respond to you as soon as possible. Best regards, Your Zurich.

What an awful insurance company

Have been instructed and await answers promised by Aideen Byrne by 13/2/24 or before, ?nothing as yetWhat an awful insurance company, can only see complaint heading to Ombudsman ! Requested answers so far none recieved, must allow them 40 days, requested final response, but happy to try and resolve, but know they have acted irresponsible. Recieved acknowledgement from Aideen Byrne, who apologised on behalf of Zurich for recieving complaint late ? 900268. Awaiting answers, also tried to stop me getting insurance elsewhere. ?

Date of experience : December 12, 2023

Hello, Could you please provide some further information about your complaint by emailing [email protected] and we will ensure it gets to the correct team to resolve this for you? Please include your policy number and the type of policy you hold with Zurich (e.g., car, home, life insurance, etc). Thank you.

Filed a car insurance claim on 22nd…

Filed a car insurance claim with this company on 22nd March. Despite providing all necessary evidence by May, the handling from their liability team has been nothing short of horrendous. For months, they've consistently shown a shocking level of incompetence and a blatant lack of concern for their customers. I'm beyond frustrated with their prolonged delays and sheer negligence. For anyone considering their services, I'd think twice. Their approach to customer care is deeply flawed, and their inefficiency is startling. Not recommended at all! ⭐️☆☆☆☆

Date of experience : March 22, 2023

This company should be exposed

This company should be exposed! Paid in for 25 years! They sent me a final figure on my endowment 3 months before maturity which was 25% less than it should have been, then took another £500 in payments! Then reduced payout by a further £5k!!! Disgusting and they are allowed to get away with it! I asked for proof from investments and they refused to send me any!

Date of experience : September 19, 2023

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Zurich Travel Insurance Review: A Good Option for You?

Zurich

  • Attractive prices
  • Can buy Direct or from Comparison Site
  • Emergency Medical, Cancellation, Baggage on all plans
  • No extended Gadget cover option

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

UPDATE: Zurich is currently unable to offer new Travel insurance quotes or policies. Read more here . This review is being kept up for historical purposes.

Is Zurich travel insurance any good—and should you get a quote from a comparison site or direct from them? Read our review to learn more and to find out about the features they offer and what's missing.

  • Zurich Price Comparison
  • Buying Zurich Direct or from Comparison Site: What are the Differences?
  • Zurich Policy Limits and Coverage Options
  • Comparing Zurich to the Competition
  • Zurich Policy Wording

Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you understand the nuances of various plans to help you narrow down your options.

Zurich Travel Insurance Review: What You Need to Know

Zurich offers a pretty solid set of travel insurance options, with Emergency Medical, Baggage and Cancellation are included on all plans, and mid- and top-tier plans also include some cover for Travel Delay and Scheduled Airline Failure.

You can buy low-, mid- and top-tier plans both direct from their website and from some comparison sites. Prices and some cover limits are generally lower when you buy through the comparison site, as discussed in more detail below in the sections on Price Comparison and Where to Buy . All plans offer £10 million of Emergency Medical cover; here's a quick overview of how their plans compare at a high level:

We think the comparison site's "Ultimate" offers the most interesting mix of cover levels, excess and price, for those who need around £5k of Cancellation Cover and £2.5k of Baggage (Emergency Medical is the same across all plans). Ultimate provides higher cover levels for Baggage, Travel Delay and Missed Departure than the "Standard" plan you can buy direct, but for 20% less premium on Annual, Multi-Trip policies (or 6% less on Single Trips). Details of cover limits can be found in the policies section.

Depending on your needs, one potential flaw we see with Zurich travel cover is the lack of extra/extended Gadget cover. Items like mobile phones, iPhones, etc. are only protected through standard Valuables cover. This may not be enough for you.

What's Missing

Gadget cover: If you want higher limits to protect your mobile phones, laptop, iPad, etc., you many want to consider a travel insurance plan that offers the ability to pay for additional Gadget cover, such as Admiral for £1,000 of total gadget cover, Travelinsurance.co.uk for £1,000 or £2,000 of total gadget cover or CoverForYou for £1,000, £2,000 or £3,000 of total gadget cover—quotes for these policies can be found through the blue "Get Quotes" button above.

How do Zurich Travel Insurance Prices Compare

According to our data analysis, Zurich is not a "budget" brand so their prices will not be the cheapest in the market. However their policies offer some attractive features for the price and can be considered to be in line with the average cost of travel insurance for the cover.

Policies bought from a comparison site generally cost less than those bought direct—but there are coverage differences to keep in mind, as discussed in the following section . This holds true whether your travel plans will take to you Europe , America or elsewhere.

Cost of Zurich Travel Insurance with Winter Sports

You can add Winter Sports cover to the Standard and Extra plans when you buy direct, but it's not available as an add on to plans bought on a comparison site. The Winter Sports add on will cost roughly an additional £40 - £70 when added to a plan with worldwide cover or £15 - £30 when added to a Europe-only policy.

Cost of Zurich Travel Insurance with Cruise

Cruise cover can be added to all but the lowest tier policies (Essential and Basic) for an additional cost in the region of £13 - £20 for annual policies and £11 - £17 for single trip policies.

Where to Buy: Direct vs Comparison Site

Generally speaking, buying from a comparison site it cheaper but you may get less coverage than buying direct. Read more about the differences here .

The cheapest Zurich holiday cover plans are available through comparison sites (e.g., as little as £25 for Worldwide, Annual, Multi-Trip cover with £10,000,000 Emergency Medical, £1,000 Cancellation and £1,000 Baggage), whereas the plan with the highest cover is available direct from the Zurich website (e.g., £116 for Worldwide, Annual, Multi-Trip cover with £10,000,000 Emergency Medical, £7,500 Cancellation and £2,500 Baggage).

Beyond that, there are pros and cons to both sources in terms of features and price points. We'll try to explain some of the differences to help you decide whether buying direct or through an aggregator comparison site better suits your particular needs. Below, you'll find a table detailing the differences in Standard excess, upper age limits and maximum trip lengths. You'll notice that these details are generally more favourable on plans bought direct rather than from a comparison site—depending on your needs and situation, these details may or may not be worth the added cost of buying direct to you.

Standard Excess: How Much You'll Pay Towards Most Claims

The excess is typically higher on comparison sites (£50 to £145) than on policies bought direct (£50 to £100):

Trip duration: Maximum Number of Days each Trip

The maximum trip length is longer on annual policies bought direct than from a comparison site. Also, the upper age limits are higher on direct policies. As a result, older travellers in particular might be better off buying direct. Take a look at the trip lengths allowed, at the age cutoffs, in the table below to see which suits your individual situation and travel plans.

Differences between Direct and Comparison Site Policies

Broadly speaking, the three tiers of travel insurance plans bought directly from Zurich are similar in many ways to the three tiers you can buy through a comparison site —but in some categories the limits are higher when you buy direct. If you're interested in the finer details, look through the policies section below. As a trade off, the prices are a bit lower when you buy Zurich travel cover through a comparison site.

Buying Zurich Travel Insurance Direct

Buying direct, you'll get slightly higher cover for Cancellation, Personal Accident, Scheduled Airline Failure, etc. than going through a comparison site, for otherwise similar plans that offer the same limits for Emergency Medical, Baggage and Missed Connection cover.

In addition, for an extra cost you can add travel insurance add-ons like winter sports, golf, cruise or business cover to plans bought direct. These add ons are not always available from comparison sites.

There are higher age limits on direct plans—there is no upper age limit, although there is a shorter trip length of 31 days for those age 71 or older.

Buying Zurich Travel Insurance via Comparison Site

Generally speaking, the best deals on Zurich travel insurance can be found at a comparison site.

In fact, Annual, Multi-Trip plans from the comparison ("Essentials", "Enhanced", "Ultimate") average 35% cheaper than the lowest-priced direct plan ("Basic")—less so for Single trips, however. If price is your priority, then buying from a comparison site will likely secure you the lowest premium on a Zurich travel plan.

Despite the comparison plans coming in at cheaper prices, they still include some level of cover for Baggage Delay, Abandoning your Trip, Scheduled Airline Failure and (except Essential plans) Missed Departure. However the excess is a bit higher on policies from the comparison site on all but the top-tier plans—meaning you have to pay a bit more should you need to claim.

Bottom Line: If you're looking for a budget plan, Zurich may be out of your budget. But check prices with a comparison site to find out what kind of price you'll get. Those looking to insure more valuable holidays worth up to £7,500 might find a more suitable policy buying direct from Zurich , but expect prices to be significantly higher for the top-tier direct "Extra" plan (versus the top-tier comparison site "Ultimate" plan).

Types of Zurich Travel Insurance Policies

Direct from their website, Zurich offers three tiers of travel insurance—Basic, Standard and Extra. From comparison sites they offer three different plans—Essentials, Enhanced and Ultimate—which for the most part provide lower levels of cover (that is, when comparing lowest tier Basic vs. lowest tier Essentials, and so on), as you can see in the following table. All plans are available for Single Trips or as Annual, Multi-Trip policies.

Zurich Travel Insurance Cover Limits

Other useful information: policy wording.

  • Zurich Travel Insurance Basic, Standard and Extra Policy Wordings
  • Zurich Travel Insurance Essentials, Enhanced and Ultimate Policy Wordings

How does Zurich Travel Insurance Compare to Competitors?

To better understand the value of Zurich travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Zurich Travel Insurance vs CoverForYou Travel Insurance

CoverforYou

CoverForYou is a travel cover specialist offering not only Emergency Medical, Cancellation and Baggage on all plans, but also extras like Scheduled Airline Failure, Delayed Departure, Personal Liability, Mugging, Hijacking and Legal Expenses. Those wanting higher levels of protection for their phones, iPads, laptops, etc. can buy Extended Gadget Cover for £1,000, £2,00 or £3,000 of cover for £11.75 to £69, depending on the level of cover and the type of plan.

Bottom Line: If you want more gadget cover than offered through Zurich's standard Valuables cover (£150 to £500), which is further subject to Single Article limits (£150 to £350), then CoverForYou might be an interesting option to consider.

Zurich Travel Insurance vs Saga Travel Insurance

Saga Travel Insurance Review

Saga travel insurance is offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit. We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf. Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover. While travellers can be covered of any age, prices do rise steadily for older customers.

Bottom Line: If you are an older traveller, especially in your 70s or 80s, Saga may be a more viable travel insurance option for you, as they specialize in "mature" travellers.

Zurich Travel Insurance vs Admiral Travel Insurance

Admiral Travel Insurance

Admiral travel insurance offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection. Those looking for cover for catastrophes (e.g., volcanic ash cloud and storms) should consider one of Admiral's top two tiers—Gold or Platinum. If your plans include a cruise in the next year, then Admiral offers comprehensive Cruise cover for an added cost (included on Platinum), which includes Missed Port Departure, Cabin Confinement, Unused Excursions and Cruise Interruption. Insolvency is not covered on Admiral plans. £1,000 of Gadget cover can be added for £13.92 (Single Trip) or £49.92 (Annual, Multi-Trip).

Bottom Line: If you want more Gadget cover, Admiral can be another alternative to Zurich travel insurance.

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here .

**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

The best travel insurance policies and providers

Katie Genter

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

how good is zurich travel insurance

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

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

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

Purchase your policy here: GeoBlue .

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

how good is zurich travel insurance

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

how good is zurich travel insurance

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

how good is zurich travel insurance

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

how good is zurich travel insurance

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

how good is zurich travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

how good is zurich travel insurance

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

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

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

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

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

What are the different types of travel insurance?

how good is zurich travel insurance

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

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

Should I buy travel health insurance?

how good is zurich travel insurance

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

how good is zurich travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

how good is zurich travel insurance

Travelex Insurance Services »

how good is zurich travel insurance

Allianz Travel Insurance »

how good is zurich travel insurance

HTH Travel Insurance »

how good is zurich travel insurance

Tin Leg »

how good is zurich travel insurance

AIG Travel Guard »

how good is zurich travel insurance

Nationwide Insurance »

how good is zurich travel insurance

Seven Corners »

how good is zurich travel insurance

Generali Global Assistance »

Berkshire hathaway travel protection ».

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 Insurance Companies.

Table of Contents

  • Travelex Insurance Services
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Trip Interruptions
  • HTH Travel Insurance: Best for Groups
  • Tin Leg: Best Cost
  • AIG Travel Guard: Best for Families
  • Nationwide Insurance: Best for Last-Minute Travel Insurance
  • Seven Corners: Best for 24/7 Support When Traveling
  • Generali Global Assistance: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage
  • $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

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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Zurich North America Insurance Company Review 2023

Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Trusted Choice's Zurich North America Insurance Score

4.5/5 stars

TrustedChoice.com awards Zurich North America a final rating of 4.5 out of 5 stars. The insurance company has been around for more than a century now and holds excellent ratings from both AM Best and the Better Business Bureau (BBB). Zurich North America offers tons of business insurance coverage solutions for companies in more than a dozen different industries.

The carrier offers 24/7 claims reporting as well as several other options for customers to get in contact. Many glowing customer reviews are easily spotted across the web. Overall, we highly recommend looking into Zurich North America to be your next trusted carrier with the help of your independent insurance agent.

Zurich North America Insurance Company Pros and Cons:

Zurich North America was founded in 1912 in North America, having expanded its presence from Switzerland, where the company dates back to 1872. Today, the carrier is one of the nation's largest insurance providers. There are about 8,700 employees on the insurance company's LinkedIn network.

Zurich North America belongs to the Zurich Insurance Group, which is a multi-line insurer and one of the leaders in its industry. The carrier holds an "A+" or "superior" rating for its financial strength from AM Best, the leading global credit rating agency monitoring the insurance industry. High ratings from AM Best assure customers that Zurich North America offers guaranteed, dependable coverage from an economically sound carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who are not as familiar with insurance companies’ respective reputations, AM Best’s rating system allows them to make an informed decision about who they can trust to meet their needs.

Connect with a Zurich North America Insurance Agent Today.

Shopping for insurance? Zurich North America has you covered.

Zurich North America Insurance Specializes in these Industries:

Insurance/financial services.

Protect your insurance / financial services business against risks like identity theft and workplace injuries with reliable insurance.

Wholesalers

Avoid environmental liabilities, identity theft and other common risks with the right wholesale insurance for your business.

Transportation/Trucking

Get the coverage you need against bodily injuries and property damage with reliable trucking insurance.

Restaurants

From liquor liability to commercial auto coverage, keep your restaurant protected with the right type of insurance policies.

Healthcare Providers

Get the professional and general liability coverage your business need with insurance for your healthcare providing facility.

Contractors/Construction

Get liability protection against unpredictable accidents, hazards and bodily injuries with contractor or construction insurance.

Large Business

Get coverage against commercial property damage, potential lawsuits and other risks with insurance for your large business.

Get protection against E&O claims that could potentially arise from your business with technology insurance.

Distributors

Stay protected against common accidents, property damage and lawsuits with reliable insurance for your distribution business.

Service Industry

From general liability coverage to workers compensation, you can protect your business with the right service insurance.

Commercial Real Estate

Protect your business assets and avoid repair and replacement expenses with commercial real estate insurance.

Auto Service & Repair Shops

Keep your shop insured against lawsuits, property damage and other liability issues with auto service & repair shop coverage.

Keep your business covered against workplace injuries and property damage to your equipment with manufacturers insurance.

Zurich North America Commercial Property Insurance

Zurich North America's commercial property insurance offers coverage to help safeguard all kinds of property used by your business against numerous threats, including fire damage, cyberattacks, and more.

Coverage types, features, and benefits:

Zurich North America's commercial property insurance includes protection for your business's buildings against many listed perils, including vandalism, fire, explosions, and more.

Zurich North America's commercial property insurance includes protection for your business's equipment against many listed perils, including theft, fire, and more.

Stock & other assets

Zurich North America's commercial property insurance includes protection for your business's stock and other assets essential to your operations.

Business interruption

Zurich North America's commercial property insurance also includes protection for business interruption caused by listed disasters like a fire and can help replace typical income as well as maintain employee payroll during company closures.

Zurich North America Commercial Property Insurance Average Prices

Zurich North America does not provide average pricing information for its commercial property insurance policies online. However, an independent insurance agent can easily help you secure and compare quotes for this coverage, as well as many others.

What Discounts Does Zurich North America Offer?

Zurich North America does not make information about its specific coverage discounts readily available. To find out more about the insurance company's available discounts on all types of coverage offered, work together with an independent insurance agent.

Zurich North America Insurance Customer Service

Zurich North America offers online support as well as phone customer service support. The carrier also provides the following customer service options:

  • Email 
  • 24/7 phone claims reporting
  • Customer service phone department does not specify hours

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage. 

Zurich North America Insurance FAQ

What is zurich north america's average claims response timeframe.

Zurich North America allows customers to report claims 24/7 via phone and through a couple of different mediums. However, the insurance company does not specify a claims response timeframe.

What is Zurich North America's customer service availability?

Zurich North America allows customers to file claims and get in touch with them through several different mediums, including online, via email, phone, snail mail, etc. The customer service phone department does not specify its hours, but the claims department is available 24/7.

What is Zurich North America's claims process?

Zurich North America does not provide much information about its claims process other than how and where to file. However, an independent insurance agent can find this information for you, as well as file claims directly for you. They can also keep you updated through every step of the claims process.

Does Zurich North America create a user-friendly experience for its customers?

Zurich North America's official website is intuitive and easy to navigate. The carrier is available to be reached via several mediums, and across multiple social media platforms. Overall, Zurich North America does create a user-friendly experience for customers.

Is Zurich North America a good insurance company?

With excellent ratings through AM Best, the BBB, and customers alike, 24/7 claims reporting availability, and an extensive catalog of business insurance products, Zurich North America has undoubtedly earned a reputation as a good insurance company.

Who are Zurich North America's insurance products right for?

Zurich North America offers a wide selection of business insurance products for companies in the following industries:

  • Agriculture
  • Financial institutions
  • Life sciences
  • Private equity
  • Professional services
  • Real estate

If your business falls into one of these niches, you may find the coverage you need from Zurich North America.

https://www.zurichna.com/

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Has any used Zurich Travel Insurance through Costco? - Turks and Caicos Forum

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Has any used Zurich Travel Insurance through Costco?

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' class=

Costco's travel site states:

' class=

It appears the insurance plan covers everything required by the TCI Assured portal.

Thanks! I think I was concerned that if I picked a plan not on the list provided by TCI that it would not be accepted.

No worries! That’s just a suggested list, you can certainly pick any insurance company as long as it has the required coverage.

how good is zurich travel insurance

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Costco Travel Insurance Review

Lee Huffman

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 .

When something goes wrong on your trip, having travel insurance protects you personally and covers eligible travel expenses.

Many travelers rely on credit card travel protections, but those benefits generally have lower limits and only cover reservations made with that card.

If you’re considering buying Costco travel insurance, here’s what you need to know, including what it covers, how much it costs and which plan is right for you.

» Learn more: What to know before buying travel insurance

What does Costco travel insurance cover?

Members tend to love Costco and often look to see if it offers products and services before looking elsewhere.

When planning a trip, members might ask, "Does Costco sell travel insurance?" so they can protect their vacation. Costco offers several different types of travel insurance coverage based on the type of trip you are taking.

Insurance policies are offered by Cover-More Inc., a company of Zurich. To simplify coverage and premiums, Costco only offers one insurance option for each type of vacation.

International vacation packages

For vacation packages outside of the U.S., Costco members can choose an international travel policy. These policies generally offer the highest coverage limits and are designed for trips to all eligible countries around the world.

Domestic vacation packages

Travelers staying within the U.S. can get a travel insurance policy from Costco to cover their trip. Coverage limits are substantial enough to cover most domestic travel needs.

Whether your cruise is within the U.S. or visiting destinations abroad, cruise travel insurance protects you and your finances. A cruise insurance policy from Costco Travel covers all of your trip, not just the actual cruise.

Rental cars

Instead of buying expensive travel insurance from a rental car company, Costco trip insurance offers coverage to protect your rental car. It covers damage to the rental vehicle and post-departure trip interruption benefits. Rental car protection covers up to the actual cash value of the car. Additionally, it covers rental charges imposed while the car is being repaired.

This coverage is primary, which means that your personal auto insurance is not involved if there are any claims. However, it does not cover injuries or damage to other property.

Chase Sapphire Preferred Credit Card

Howver, many travel credit cards include similar coverage and benefits — so you might already have travel insurance on a card in your wallet.

You should consider skipping Costco Travel Insurance coverage if you have a credit card that includes complimentary rental car protection, such as the Chase Sapphire Preferred® Card .

This card includes primary coverage for physical damage to or theft of a covered rental vehicle.

» Learn more: How rental car insurance works on your credit card

Upgrade options

When buying your policy, there are two upgrade options to increase your benefits.

Cancel For Any Reason: When you cancel at least three days before departure, you’ll receive up to 50% of your insured trip cost (maximum trip cost of $10,000).

Rental Car Damage Upgrade: Protect your rental car against collision damage, vandalism, windstorm, hail, fire or flood. Coverage is up to $50,000.

Comparison of Costco travel insurance plans

This chart highlights the coverage limits and benefits you’ll receive from the different Costco travel insurance plans.

How much does Costco travel insurance cost?

The price for travel insurance policies varies based on your destination, trip length, where you live and how much you spend per person. To lower your insurance premium, only include the prepaid, nonrefundable portion of your trip.

In this chart, you’ll find sample quotes for different types of trips. The scenarios vary by destination, length of trip and cost to highlight how premiums can change.

* Quoted rates as of July 2023.

When pricing out vacation package travel insurance, the primary factor in determining the premium is the covered amount. In these scenarios, a domestic trip offered a 10% discount compared to an international trip with the same trip cost. The length of the trip did not affect premiums, except when buying rental car coverage.

» Learn more: The best travel credit cards right now

Which Costco travel insurance plan is best for me?

Since Costco travel insurance doesn’t offer different levels of coverage, the best policy for you depends on what type of vacation you’re planning. Travel insurance from Costco has one level of benefits and coverage limits for all members.

What isn’t covered by Costco travel insurance?

Travel insurance offers numerous protections that cover you, your travel companions and your nonrefundable, prepaid reservations. Before buying your policy, it’s important to understand what isn’t covered.

Pre-existing conditions. Injuries and illnesses that travelers already had before buying their policies are generally excluded from travel insurance. You may be eligible for a waiver of this exclusion, depending on your policy and travel details, as long as you buy coverage within 21 days of your initial trip payment.

Refundable reservations. Reservations that you can cancel and get a refund for are not covered. Simply contact the airline, hotel or other travel provider and cancel directly with them.

High-risk activities. Activities that take an unreasonable amount of risk of injury or death, like bungee jumping or parachuting, are excluded.

Intentional acts. Injuries, illness or losses resulting from self-inflicted actions, like drug use, intoxication or self-harm, are not covered.

Specifically designated events. Natural disasters, war, epidemics and similar events are excluded.

Is Costco travel insurance worth it?

While many travelers rely on their credit card travel insurance benefits, buying a separate travel insurance policy can be worth it.

Costco travel insurance offers higher coverage limits than what’s available through your credit card. The policies are reasonably priced, and you can easily get a free quote online in minutes.

If you’re ready to purchase, you can buy your policy online without speaking to an agent.

Costco is known for selling a variety of products and services at discounted prices. Like many of its services, Costco travel insurance is also sold through an established partner. Cover-More, a division of Zurich North America, issues all policies and is backed by Zurich Insurance Group, which has an A+ rating by A.M. Best and AA- rating from Standard and Poor’s.

Yes, travel insurance is available to all Costco members for any of your vacations. It is available whether you booked through Costco, directly with airlines or hotels, with a travel agent or through an online travel agency. Costco members receive preferred rates on Zurich products and services.

Yes, you can buy travel insurance from Costco online. Visit the Costco Travel website , then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

Yes, you can buy travel insurance from Costco online. Visit the

Costco Travel website

, then select the type of policy you want to buy. Enter basic trip details, including your destination, travel dates, your state of residence and how much you’re spending per traveler, to receive a quote. Select your policy and complete your payment to buy your insurance.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

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

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

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

how good is zurich travel insurance

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Protection worldwide with Zurich Relax Assistance travel insurance

suitcase travel

This is what it's about: Zurich Relax Assistance travel insurance

Overview of packages, case study 1: trip postponed due to illness.

Jasmin has booked a flight to Lima for herself and her whole family. However, due to a positive PCR test, the family cannot take their flight to Peru as planned. They have to postpone the departure for a fortnight because of COVID-19.

Fortunately, Jasmin has taken out the "Cancellation costs" package for herself and her family. This allows Jasmin to change her flight at no extra cost. Even the hotels they had already booked can be updated to the new dates at no extra cost. 

"Cancellation costs": We pay the costs incurred if you do not start a booked trip or start it late. You can read which events are insured in our insurance conditions. We will also refund the price of your ticket if the airline has to file for insolvency and can no longer operate the flights. 

Case study 2: Serious accident during the journey

Four weeks after his arrival in Vietnam, Patrick has an accident on a scooter. He suffers several fractures and needs to be operated on in a clinic in Hanoi. After his condition has stabilized, he is flown back to Switzerland for further treatment. Since Patrick has taken out the "Basic" package, he does not have to worry about financial matters. He can focus completely on his recovery. This is because the package includes the following services in addition to "Cancellation costs" cover:

"Travel insurance" : We will take care of your return journey if you are forced to cut short your trip due to a serious accident or illness.

"Alternative travel": Are the required treatment options not available locally? If you need to return home for medical reasons, we will cover the cost of arrangements you paid for before the trip.

Case study 3: Luggage arrives late

Tina and Sofia have been standing at the luggage conveyor belt at Porto airport for over an hour. There's no sign of Tina's backpack. An airport employee finally gives them the bad news that the backpack was mistakenly flown to Rio de Janeiro. Tina is forced to buy new clothes and toiletries for the next few days. Although this annoys her, she is not worried because she has included "Luggage and luggage delays" cover in her basic insurance policy.

"Luggage and luggage delays" : If your luggage arrives late, you can buy the necessary replacement items for a certain amount. If your luggage or a specific item is stolen, we will cover the costs. We will also pay if your luggage is damaged or destroyed. 

Case study 4: Accident prevents ongoing travel

Fabian and Luca wanted to drive their own car from Switzerland to a neighboring country. Shortly after the two cross the border into Italy, they collide with another vehicle. Fabian and Luca's car suffers a total loss and has to be towed away. Fortunately, all those involved are uninjured. Unfortunately, the driver of the other vehicle claims that the two boys caused the accident because they ran a stop sign. However, this is not true. Fortunately, the two have taken out "Basic and roadside assistance and legal protection" insurance. This includes the following coverage in addition to the basic cover:

"Roadside assistance" : We organize immediate measures if your vehicle stops due to a breakdown or other damage. We offer a towing service and have your vehicle taken to the nearest garage. To get you back on the road quickly, we will also take care of a replacement vehicle or another alternative. 

"International travel legal protection" : We cover the costs of criminal proceedings if you are accused of something, even though you are innocent.

How much protection do you need?

More articles.

Empowering Your Financial Journey

Is Costco Travel Insurance Worth It? A Detailed Review

Travel insurance can provide valuable protection when you’re on vacation. If something goes wrong, like a canceled flight or medical emergency, insurance helps cover your costs. But is Costco’s travel insurance worth buying?

Costco offers travel insurance policies throughCover-More, a division of Zurich Insurance Group. Policies are available for international trips, cruises, domestic U.S. vacations and rental cars.

Here’s what to know about Costco travel insurance and whether it’s worth it for your next vacation.

What Does Costco Travel Insurance Cover?

Costco offers a few different travel insurance options based on your trip type:

International travel: Covers vacations outside the U.S. Offers the highest coverage limits.

Cruise vacations: Protects the entire cruise vacation, not just time on the ship.

Domestic U.S. trips: For vacations within the United States. Lower coverage limits than international policies.

Rental cars: Primary insurance for rental vehicles to replace expensive rental company options.

The main coverages are similar across plans and include:

Trip cancellation: Up to 100% of trip costs if you have to cancel for a covered reason.

Trip interruption: Up to 150% of trip cost to get home if you have to cut your trip short.

Travel delay: Reimburses expenses like hotels and meals if your travel is delayed.

Baggage: Covers lost, damaged and stolen luggage. International and cruise plans offer higher limits.

Medical: Emergency medical and dental care if you’re injured or get sick on your trip.

Evacuation: Transportation to get you to adequate medical facilities in a medical emergency.

Some benefits are upgraded for international and cruise vacations like missed connections coverage. Rental car protection has more limited benefits focused just on the vehicle itself.

You can also add on cancel for any reason coverage and increased rental car damage coverage for extra fees.

How Much Does Costco Travel Insurance Cost?

Costco travel insurance rates are based on:

Trip cost: The dollar amount of your prepaid, nonrefundable trip.

Trip length: Longer trips may have higher premiums.

Destination: International trips often cost more than domestic.

Upgrade options: Cancel for any reason or rental car damage upgrades raise the price.

Here are some examples of Costco travel insurance cost:

  • 7-day domestic trip costing $6,000: $270
  • 10-day Spain trip costing $6,000: $300
  • 30-day rental car: $170

In most cases, expect to pay about 4% to 10% of your total nonrefundable trip cost. Upgrading your policy raises the percentage.

Costco’s website makes it easy to get quotes. Just enter your trip details to see exact pricing. Members can buy policies online without contacting an agent.

Pros of Costco Travel Insurance

High coverage limits: Maximum coverages go up to $200,000 for medical care and $1 million for emergency evacuation.

Cancel for any reason upgrade: Unique upgrade reimburses 50% of trip costs if you cancel more than 48 hours before departure.

Easy online purchase: Quote and buy policies completely online without phone calls.

Good value: Competitive pricing compared to plans from other insurance providers.

Strong backing: Zurich Insurance Group backing provides security and stellar financial ratings.

Cons of Costco Travel Insurance

Pre-existing condition exclusion: Typical for travel insurance, but still problematic for travelers with health issues.

High-risk activities excluded: No coverage for things like scuba diving, mountain climbing or amateur racing.

Weather exclusions: Natural disasters like hurricanes often have special exclusions.

Rental car restrictions: Daily limits and excluded car models apply to rental coverage.

Limited plan options: Only one set of benefits and coverage amounts for each trip type.

What Credit CardsCover

Before buying a Costco policy, check what your credit card covers. Many travel credit cards include some protections:

  • Trip cancellation/interruption insurance
  • Baggage delay or loss coverage
  • Rental car damage coverage
  • Travel accident insurance

But credit card protections typically have lower limits, like $1,000 or $2,000. Costco travel insurance offers more robust coverage.

For a big trip or cruise, Costco insurance works well in addition to credit cards. Use the card’s coverage first, then Costco for anything else.

What’s Not Covered by Costco Travel Insurance

Like most insurance policies, Costco travel insurance excludes some things:

Pre-existing medical conditions: Unless you qualify for a waiver when you buy coverage shortly after your first trip payment.

High-risk activities: No coverage for things like extreme sports, racing or stunt flying.

Intentional acts: Injuries or illnesses caused by things like drug use or self-harm.

Natural disasters: Hurricanes, earthquakes and other major weather or events known when you purchase coverage.

Refundable reservations: Anything you can cancel for a full cash refund.

War: Injury or loss due to declared or undeclared war or civil unrest.

Pay attention to exclusions when choosing a travel insurance policy and reading the full terms.

Is Costco Travel Insurance Worth It?

Costco travel insurance can be worth it for the right kind of traveler and trip.

Good for big, expensive vacations: Policies with high coverage limits protect costly trips. Good for cruises, exotic locations or extended travel.

Nice upgrade over credit cards: More robust benefits than even the best travel credit cards. The cancel for any reason upgrade is hard to find.

Peace of mind for worriers: Comprehensive coverage lets anxious travelers relax. Insurance can seem worth it for the trip protection.

Not worth it for everyday trips: Lower cost domestic travel may not need big coverage limits or extra insurance cost. Credit cards work fine.

Is Costco Travel Insurance Right for You?

Think about your upcoming trip and how you handle travel risks. Ask yourself:

How expensive is this vacation? Higher cost trips get more value from insurance.

How worried will I be about potential issues? More nervous travelers appreciate the peace of mind.

Does my credit card already cover some risks like baggage or rental cars? If so, a big policy may not be necessary.

Are we doing risky activities excluded by insurance? Consider passing if you’ll have coverage gaps.

For many frequent travelers going on higher cost trips, Costco insurance can definitely be worth considering. It provides solid protection that goes beyond most credit card coverage. Just be sure to understand what is and isn’t covered before making your purchase.

The Bottom Line

Costco travel insurance provides good value at reasonable prices for members. For international vacations, cruises, and other big trips, it’s worth considering to supplement credit card protections. Make sure to evaluate your trip, risk factors, and existing coverage when deciding if you should buy a policy.

For the right person and the right vacation, Costco insurance can give useful trip coverage and peace of mind. Just know what you’re buying and make sure it fits your needs.

Costco Travel Insurance Review: Analyzing the Pros and Cons of Costco’s Travel Insurance Policy

What travel insurance company does Costco use?

Is Costco a good place to buy insurance?

What is the benefit of booking with Costco Travel?

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Key benefits of travel medical insurance

  • Travel medical insurance coverage
  • Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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

  • Travel medical insurance covers unexpected emergency medical expenses while traveling.
  • Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
  • If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

  • Hospital room and board
  • Inpatient/outpatient hospital services
  • Prescription Drugs
  • COVID-19 treatment
  • Emergency room services
  • Urgent care visits
  • Local ambulance
  • Acute onset of pre-existing conditions
  • Dental coverage (accident/sudden relief of pain)
  • Medical care due to terrorist attack
  • Emergency medical evacuation 
  • Repatriation of mortal remains
  • Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

how good is zurich travel insurance

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

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

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Please Note: To be eligible for the waiver of pre-existing medical condition exclusion, the protection plan must be purchased within 21 days from the time you make your initial trip payment. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. 

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