affordable tours insurance

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Safer travel starts with travel protection

If you are a travel agent or were referred by one, enter the ACCAM number below.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

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 March 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.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

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.

You might also be interested in:

Carry-on Luggage Size and Weight Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

Bereavement Fares: 5 Airlines That Still Offer Discounts

Several airlines offer help in times of loss.

The Best Way to Renew a Passport in 2024

Online passport renewals are still unavailable.

The Best Carry-on Luggage of 2024

Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson

Discover the best carry-on luggage for your unique travel style and needs.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Ultimate Guide to Buying the Best Travel Insurance [For You]

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3059 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Director of Operations & Compliance

1 Published Article 1166 Edited Articles

Countries Visited: 10 U.S. States Visited: 20

Situations Where Travel Insurance Can Help

Covering your major concerns, when to buy travel insurance, credit cards, employer-sponsored health insurance, club memberships, medicare supplements and advantage plans, travel insurance comparison tools/websites, world nomads — best for comprehensive coverage and adventure activities (recommended), travelex /berkshire hathaway travel insurance — family protection for children at no extra cost, geoblue — affordable annual medical travel insurance, usaa — travel insurance for military and families, allianz — affordable annual travel insurance, expedia — an impulse buy you can prepare for, other travel insurance companies, single trip policies, multiple trip or multi-destination policies, annual policies, travel insurance for seniors, special needs and travel insurance for those with disabilities, group travel insurance, pet travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling with family or solo, on an epic adventure or a weekend getaway , travel insurance can go a long way toward providing peace of mind during your trip. And if things should go wrong, you’ll find consolation in being financially covered.

With all that’s at stake, you’ve probably given serious thought to purchasing travel insurance just like I have. There have certainly been times when I’ve needed it, including severe flight delays, a parasailing accident in Mexico, and when my luggage took a trip of its own!

Unfortunately, it’s also easy to become overwhelmed with the vast selection of travel insurance options available. We’ve created this guide to help you sort through the confusion and demystify the process.

In this article, we’ll cover all the information you need to:

• Determine the type of coverage you need
• Find out if you currently have any travel coverage
• Narrow your options to just a few policies that fit
• Select a reputable travel insurance company

Let’s get started with helping you find the best travel insurance policy for your situation.

Why You Need Travel Insurance

If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.

Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.

Travel Insurance can cover a variety of situations. Here is just a sampling of those you can easily purchase coverage for:

• You have an accident and need medical evacuation to a nearby hospital: According to travel insurance company Allianz, the estimated cost of medical evacuation ranges from $15,000-$20,000 in Mexico to over $200,000 in Asia, Australia, and the Middle East.
• You miss your cruise because your flight is severely delayed or canceled: Catching up with your cruise once it has departed can be costly!
• You can’t take a planned trip due to illness: The entire cost of your trip and any pre-paid arrangements could be at risk if you become ill and unable to travel. Coverage is even available when travel companions become ill and you must forego your trip.
• You become ill while abroad: The cost of medical attention abroad can be expensive, and it can result in increased costs to rearrange your itinerary.
• Your baggage is lost or delayed: After your bags have been delayed a minimum amount of time, usually 12-24 hours, coverage kicks in and provides money for essentials.

Bottom Line: It’s prudent to buy travel insurance for expensive trips. You may go several years without using the coverage you’ve purchased, but one incident could cause you to incur thousands of dollars in expenses, far exceeding the cost of insuring multiple trips. 

If money is no object, you can purchase a lot of travel insurance to make sure you’re covered for nearly every situation you’ll encounter. In reality, you’ll probably want to balance cost with the coverages that are most important to you.

For some travelers, their greatest concern is the huge cost of an emergency medical evacuation. For others it can be the risk of getting ill and not being able to travel on a trip they’ve paid thousands of dollars for already.

But don’t fret: there’s a travel insurance plan for just about any travel concern that can cost you money if things go wrong.

Here are some of the plan types available:

• Emergency Medical Evacuation: Pays to get you to the nearest hospital, even in remote areas
• Travel Medical Insurance : Provides medical care if you get sick or injured while traveling
• Annual Travel Insurance: Covers you for multiple trips taken throughout the year
• Comprehensive Package Travel Insurance: Conveniently groups many travel insurance coverages together in one policy
• Cancel for Any Reason Rider ( CFAR ): When certain conditions are met, this coverage lets you cancel your trip for any reason and receive reimbursement
• Policies that Cover Families: Comprehensive travel policies that cover all family members/domestic partners before and during your trip.

Most travel insurance policies can be purchased up until the day of your departure. However, some policies contain pre-departure benefits, so you’ll want to buy your policy as soon as possible.

For example, you may have coverage that covers you getting ill and not being able to take your trip.

The general advice is to buy your policy when you make your first payment on the trip.

Since policies can be priced according to how much your total trip costs, you can take out the insurance based on what you’ve already paid and call the company to raise the amount of the policy once you’ve made additional payments.

Read our guide to find out more on when to buy travel insurance .

Hot Tip:  Travel insurance policies include a free-look period, where you can review your policy once you’ve received it and decide if it’s right for you. This free-look period is usually 10-15 days depending on the company and type of policy. 

You May Already Have Coverage — Here’s Where to Look

Before you purchase a travel insurance policy, you should check these 4 places where you may have some current coverage.

You may find that you have a credit card with travel insurance , with your employer-sponsored health plan, with club/organization memberships, and on Medicare gap policies.

It is helpful to know which types of coverage you currently have so you can select a comprehensive travel insurance policy without paying extra for duplicate coverage.

Credit cards commonly carry travel insurance benefits, but whether they’re included and the level of coverage provided will vary depending on which card you carry.

Let’s take a look at some of the most popular credit card issuers and the types of travel insurance/protection they provide.

American Express offers several travel insurance benefits on their cards.

• Car Rental Loss and Damage Insurance: Secondary coverage is included on various American Express cards . Primary Car Rental Protection is available to purchase for one low fee that covers the entire rental period.
• Travel Accident Insurance: Limits of $250,000-$500,000 depending on the card.
• Baggage Insurance: Provides coverage for lost, stolen, or damaged checked or carry on baggage. Included on various American Express cards. 
• The Global Assist Hotline: Included on various American Express cards . Premium cards such as the Platinum Card ® from American Express and Business Platinum Card ®  from American Express  include premium versions of the Global Assist Hotline that provide support before, during, and after your trip.
• Roadside Assistance: While Amex has removed roadside assistance from many of its cards, there are still several Amex cards with the coverage. Coverage includes assistance with jump starts, gas, towing, and lockout.

Chase is another major card issuer that includes various travel insurance coverages on their credit cards.

Citi credit cards have recently had several travel benefits removed,  similar to other credit card issuers. Your exact coverage benefits will depend on which Citi card you have. To learn the details of Citi’s credit card travel protections, you can access Citi’s credit card guide to benefits  here .

Hot Tip: To receive coverage from any credit card, you must meet the purchase requirements. Some credit cards require you to charge the entire purchase, while some grant coverage if you pay for just a portion of the purchase with your card. You may also be able to receive coverage by using points for your purchase.

Requirements vary, but you can call the number on the back of your credit card for questions on coverage specific to the card you’re using.

See our article for information on additional credit card travel insurance coverage .

Bottom Line: Credit cards may offer incidental travel protections and benefits, but they should not be considered a replacement for a comprehensive travel insurance policy. 

You’ll first want to check your current health insurance policy to see if it might cover you while traveling. Many do not extend health insurance benefits while traveling, but there may be ancillary travel insurance coverages included in your policy.

For example, some employer-sponsored health insurance plans contain travel insurance coverage that can be quite significant. Unum is one of the most common group insurance companies offering employers travel insurance for their employees through Assist America .

The employee is provided a 24/7 phone number that can be called for immediate assistance when traveling more than 100 miles from home.

Here is a sample of coverage provided:

• Hospital admission assistance
• Emergency medical evacuation
• Prescription replacement assistance
• Transportation for a friend or family member to join a hospitalized patient
• Care and transport of unattended minor children
• Referrals to Western-trained, English-speaking medical providers
• Legal and interpreter referrals
• Passport replacement assistance

There is no charge for any of these services when the coverage is included on an employer-sponsored healthcare plan, so you’ll want to check your current employer-sponsored health plan to see if you have this coverage.

If you’re a member of any club or organization, you’ll want to ask about travel insurance benefits.

Here are just a few clubs where membership includes various types of travel insurance benefits.

Divers Alert Network — Membership is $35/year for singles, $55/year for families

• DAN members receive $100,000 of emergency medical evacuation assistance coverage . Evacuation is covered for diving and non-diving medical emergencies when you are more than 50 miles from home.
• Membership also includes TravelAssist , a 24/7 access to prescription assistance, medical monitoring, emergency messaging, and much more.

American Alpine Club — Membership is $80 per year and includes search and rescue insurance. The insurance applies to any land-based activity.

• Up to $7,500 of Global Rescue Trailhead Rescue Services (available worldwide)
• Up to $5,000 of Domestic Rescue Benefits (available in the U.S. only)

Gold Wing Road Riders Association  ($55/year) and the American Motorcycle Association ($49/year)

• Members receive FREE emergency roadside assistance and 24/7 towing up to 35 miles per disablement for their motorcycle or any motorcycle they are riding, even as a passenger.
• Gold Wing Coverage is limited to motorcycles; American Motorcycle Association members receive coverage for motorcycles, cars, trucks, trailers and RVs.

Family Motor Coach Association — Membership costs $60/year and includes discounted worldwide travel assistance insurance plus several other travel benefits.

Hot Tip: Club memberships can include travel insurance coverage at no additional cost or at a discounted price. Checking your current memberships and seeking out organizations you can join for cost-effective coverage may result in travel insurance coverage you can use.

With rare exceptions, Medicare does not extend coverage to another country outside the United States. However, some supplement and advantage insurance plans do include coverage when traveling.

These supplemental policies, called Medigap plans, pay 80% of medical emergency care outside the U.S. after a $250 deductible. The expense must not be covered by Medicare, and it must be incurred within the first 60 days of your travel. There is also a lifetime limit of $50,000.

Medigap plans C, D, F, G, H, I, J, M, and N contain this coverage. Visit Medicare.gov for a complete explanation of the coverage and information on out-of-country coverage for Medicare Advantage plans.

Remember, these are plans that you purchase in addition to your base Medicare Plans A and B. Medicare does not cover you out of the country except in rare circumstances detailed here .

Bottom Line:  It’s important to know the travel insurance coverages you have currently, as you may save money not duplicating those coverages when purchasing a travel insurance policy. You’ll also want to be able to take advantage of and use these existing coverages if you experience a covered event. 

Where to Buy Travel Insurance

All insurance companies are rated based on their financial stability; A.M. Best is the oldest, most recognized provider of ratings in the global insurance industry. We’ll include only those companies with excellent or above ratings.

Before we discuss specific travel insurance companies, however, we’ll cover a few great travel insurance comparison sites that can help narrow your choices before selecting a specific company and travel insurance policy.

Purchasing travel insurance is a balancing act between getting the coverage you need without spending above your budget . That’s why comparison sites can ease the pain of searching hundreds of policies and dozens of companies individually.

Another benefit of using these sites is that your information is entered just once, and their search engines will quickly find the best fit for your budget and coverage requirements.

Here are 3 comparison sites to help you get started:

1. Travelinsurance.com (recommended)

• Easy-to-use online comparison tool
• Instant coverage
• Best price guarantee; this means you won’t find a lower price anywhere else for a plan that’s found on TravelInsurance.com.

2. Squaremouth

• Award-winning customer service team
• 20 travel insurance companies and 116 different policies
• Over 60,000 customer reviews

3. InsureMyTrip

• Licensed agents to help you with questions and claims
• 21 providers; both large and boutique highly-rated companies
• Glossary and articles explaining coverage and plans

Once you’ve completed a few easy comparisons, you’ll have an idea of the type of policy you want, a range of costs, and what options are available.

You’ll find most of the major travel insurance providers on these comparison sites, but not all carriers participate.

Hot Tip:  Don’t miss our dedicated article on the Best Travel Insurance Companies For All Travelers !

Let’s take a look at some specific travel insurance providers you’ll want to consider:

Included in the top 10 travel insurance companies by  Consumer Advocate , World Nomads offers a comprehensive portfolio of travel insurance products including medical/evacuation insurance, 24-hour emergency assistance, trip delay/cancellation, and coverage for a long list of adventure activities.

There are several reasons to purchase travel insurance with World Nomads.

• Backed by established, reputable, highly-rated companies such as AIG Insurance Company , Lloyds, and Nationwide Mutual Insurance Company
• Understand world travel and the associated risks
• Single-trip, multiple-trip, and annual policies are available
• Good for active travelers, as most activities/sports are covered
• Plans include standard to comprehensive coverages
• Ability to purchase or extend coverage while traveling
• Available for travelers through age 69

Sample Pricing

Click to get a quote with World Nomads >>

Hot Tip: If you participate in sports and adventure activities when traveling (even dangerous ones), World Nomad’s travel insurance is a perfect fit with over 150 travel activities covered.

The family Travel Select plan covers children 17 and under for no additional cost. This comprehensive plan includes protection for trip interruption/cancellation/delay, medical and evacuation, baggage and personal effects, and travel assistance. For more information check out our Travelex review.

If you currently have health insurance that does not cover you outside of the United States, you’ll find GeoBlue an affordable option for medical coverage while you’re traveling.

Their Trekker Choice policy covers unlimited international trips up to 70 days in length for a 12-month policy period. The cost for an annual plan for a 40-year-old was $175 for the Trekker Choice policy, but even less expensive plans are available!

Active military, their families, and post-military USAA members receive exclusive rates for travel insurance that includes these coverages. Children are included on most plans at no additional cost.

• Lost/delayed baggage
• Trip delays
• Trip interruption/cancellation
• Trip interruption/cancellation due to accident or illness
• Medical expenses
• Interruptions due to weather
• Emergency assistance and evacuation

With nearly a dozen awards so far in 2018, highly-rated Allianz is a trusted company in the travel insurance arena.

I was particularly impressed with their annual travel insurance policy offerings that are surprisingly affordable. The prices listed above are for an annual policy for travelers ages 30-80, and it covers unlimited trips of 45 days or less during the 12-month period.

It’s not just a medical policy either. In the top 2 plans above you’ll find trip cancellation/interruption, change fee coverage, collision damage waiver, and even business equipment coverage.

For coverage details and a specific quote, visit their website .

Expedia is the world’s leading travel provider, so a mention of their  Expedia ® Package Protection plan seems appropriate.

Pricing varies from $49 per person for travel within the continental U.S. to $89 per person for multiple international destinations.

The trip insurance includes trip cancellation/interruption coverage even for bad weather, mechanical failure, or strike. Medical emergencies/transportation and lost/stolen baggage coverage are also included. You can review details and additional coverages here . You may only purchase the package at the time of booking.

Before purchasing the Expedia Package Protection plan, you should price and compare a policy from one of the major providers. You may be able to find more coverage for a lower cost.

The U.S. Department of State publishes a list of travel insurance companies that provide coverage overseas; you can access it here .

Hot Tip:  Some travel insurance policies require you to be outside the United States for coverage, but others will cover you as few as 50 miles from home. Since travel insurance is widely available (and in many cases affordable), it may make sense to purchase a policy for medical and other valuable coverage even if you’re traveling domestically. 

Single/Multiple Trip Policies vs. Annual Policy: Which Is Better?

• If you take 1 major trip annually, purchasing a single trip policy is the way to go. If it’s a trip you put together yourself, utilizing one of the providers mentioned in this article to purchase an individual travel insurance policy can be a simple solution and cover your trip appropriately.
• If your trip is a packaged tour, there’s nothing wrong with selecting insurance offered by the tour provider, but arm yourself first by doing some research. You’ll want to be sure you’re not overpaying, and that you’re purchasing travel insurance coverages that take care of  your  personal concerns, not just those of the tour provider.
• If you’re taking 2 trips a year, you can purchase a separate policy for each trip. If you’re taking 3 or more trips, you should consider an annual policy.
• If you’re going on an extended trip and visiting several countries (say 3 months in length), companies such as World Nomads can issue a policy that covers your entire trip.
• Taking a year off and traveling the world or just taking frequent international trips? You may want to consider a comprehensive annual travel insurance policy that covers multiple trips.
• Pricing can vary widely, so it’s important to compare prices and select the coverage that’s most important to you.

Hot Tip: The best way to determine if a multiple-trip or annual travel policy is better is to simply price each option, compare coverage, and review any terms/conditions. You may find that insuring 2 or 3 trips could cost as much as an annual trip insurance policy. 

Travel Insurance for Special Situations

In your late 60s, your options for purchasing travel insurance start to diminish (but they don’t disappear!). There are still several travel insurance companies where you can purchase great coverage.

• Allianz and Berkshire Hathaway each allowed me to quote a policy up to age 99
• GeoBlue medical travel insurance covers through age 84
• “Silver Nomads” age 70 and above can purchase coverage with World Nomad partner TripAssure

If a person is healthy enough to travel, they’re usually able to purchase travel insurance from many providers.

Allianz Global Assistance comes highly recommended by Wheelchair Travel.org for travelers with disabilities. Their policy for a 45-year-old traveling on a 2-week trip costing $2,200 quoted between $76-$143 depending on the coverages I selected.

When you have 10 or more travelers in a group, you might consider group travel insurance as an affordable option.

For a group of 10 traveling to Mexico for a 2-week trip that cost $2,200 per person, the lowest quote according to a search on Squaremouth.com was $838, or $83.80 per person.

Coverage per person included:

• Trip cancellation ($2,200)
• Trip interruption ($2,200)
• Good medical coverage ($20,000)
• Good medical evacuation coverage ($100,000)
• Trip delay ($150/day $500 max)
• Baggage delay/personal effects ($700)

If you’re a traveling pet owner, you’ve probably considered insuring your pet during your travels .

While some travel insurance policies include coverage for pets, separate policies for medical/veterinarian care for your pet can also be purchased.

Here are a couple of options for purchasing pet insurance that cover your pet while traveling.

• PetPlan – PetPlan insurance covers your pet in the United States and Canada and costs as little $8/month for $20,000 in annual coverage.
• Travelex Travel Max  – The policy provides $1,000 in emergency medical treatment for your pet. If you are hospitalized while traveling and cannot take care of your pet, the policy will also pay to return your pet back home (up to $10,000).

Insurance is an intangible; we can’t see it or hold it in our hands. Unless you have a claim, you’re simply buying the peace of mind that comes from knowing you’re covered if things go wrong.

Travel insurance is a bit different than home or auto insurance, however — if you travel frequently, you know it’s common to experience delays, illness, lost baggage, and other travel disruptions where travel insurance could be useful.

Insurance is meant to protect you from disaster and major financial setbacks. Insuring yourself against losing money on an expensive trip or having a major medical event when traveling makes sense, especially since travel insurance is widely available and affordable.

Whether you should purchase travel insurance will depend on your risk tolerance level for what you could lose personally if things go wrong during your travels.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

How does travel insurance work.

When you plan a trip, you have to pay upfront for expenses such as airfare, hotels, cruises, and other related travel expenses. Travel insurance pays you money if there is a covered event that disrupts your trip.

For example, if you paid for a packaged tour but you became sick and unable to travel, travel insurance could reimburse you the cost of the tour and other covered expenses.

Travel insurance can also cover unexpected expenses you incur when your trip is interrupted due to cancellations, weather delays, or illness.

You can purchases policies that cover a variety of events such as lost/stolen baggage, medical emergencies, trip cancellation, trip delays and medical evacuation.

Can I insure my trip if I used frequent flier miles to purchase it?

Yes, you can. Most trips have extra associated costs even if you’re using frequent flier miles. You may incur taxes, seating upgrades, change fees, non-refundable lodging, and other associated costs.

When you insure your trip, you do not include the value of the frequent flier miles you used to purchase the trip, but any other non-refundable costs can be used to value and insure the trip.

Is travel insurance worth it?

There are several situations where you may not need travel insurance. If you are traveling domestically, purchased a cheap ticket, and have health insurance that will cover you, you probably do not need travel insurance.

Additionally, if you used frequent flier miles for your flight, points for your hotel, and are traveling domestically, you may not need travel insurance.

If you’re traveling internationally and you’ve paid for a lot of non-refundable travel expenses up front, you would want to purchase travel insurance.

This is because your health insurance may not cover you abroad, and you’d want to be protected. You also have significant funds at risk should you become ill and not be able to travel.

How much does travel insurance cost?

You can purchase travel insurance for as little as $25 for just basic coverage. The more coverage you want and the longer the length of coverage, the more it will cost.

Several factors go into determining the premium you will pay: your age, where you’re traveling, where you live, how long you’ll be traveling, which coverage you select, the amount of coverage you want, and which company you purchase the policy from.

Does travel insurance cover terrorism?

Yes, terrorism is covered under trip interruption/cancellation on many travel insurance policies. There can be stipulations for coverage, including that the event must be declared terrorism by local government or by the U.S. Department of State.

Additionally, there may be requirements that there has been no terrorism in the area for a specific period of time (7-30 days prior, for example).  Basically, if there has been ongoing terrorism and you travel there, coverage may be excluded.

Does AAA sell travel insurance?

Yes, AAA sells travel insurance for trips booked through AAA. When you book a trip with their travel agency, you will be offered travel insurance to cover your trip.

Was this page helpful?

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

AffordableTours.com   Reviews

In the Travel Aggregator category

Visit this website

Company activity See all

Write a review

Reviews 4.7.

2,202 total

Most relevant

Lawren Farias was my travel…

Lawren Farias was my travel coordinator. She was amazing and took the best care of me. She went above and beyond. I would highly recommend her and Affordable Tours to anyone who is traveling! Thank you Lawren!

Date of experience : February 17, 2024

Karen Ward Review

Karen was very respectful and answered all our questions regarding the tour. She also explained about insurance and also helped us to buy options tour. She guided us through the whole process. She was very helpful to us to keep our other group to gather. She was extremely helpful and will recommend to our friends anytime. We will also will look forward to work with her for our next trip.

Date of experience : November 22, 2023

Smooth transaction with a super…

Smooth transaction with a super friendly and efficient agent, Kia! Paperwork was very quick and discounts were applied directly. Great experience with booking—my parents are leaving for the cruise this weekend. Hope that goes as well!

Date of experience : January 05, 2024

Reliable and great customer service

Reliable and great customer service. I have used Affordable for many years and have never been disappointed. They are the first and only agency we use for all our traveling needs. Tamara is a wonderful representative. She always returns emails and calls ASAP! So, thank you Tamara.

Date of experience : January 02, 2024

Great Availability and Solutions

Steve is always available to answer questions and ensure that everything is order for our trips. We have used Affordable Tours for a number of trips over the years. They always provide the best, informative service.

Date of experience : January 13, 2024

We switched travel advisors half-way…

We switched travel advisors half-way through the booking process due to non-responsiveness from the initial advisor. I wanted to look into a cabin upgrade but was "passed off" to Carnival, with no luck. I'll deal directly with the cruise company next time...

Date of experience : November 07, 2023

Happy Traveler.

I was very pleased by my travel advisor, Trena Holloway, who was exceptionally helpful with all my travel needs/questions/suggestions. Great customer service. I will definitely call her for all my future travels.

Date of experience : December 01, 2023

Affordable tours has been our travel go…

Affordable tours has been our travel go to for many years. We currently have JasonHogan ad our personal go to guy. He is the best in understanding our needs and always is patient and kind to us, answering our every question , sometimes the same one over again. What a guy

Date of experience : November 23, 2023

The agent made the difference.

In a word Soazig made our experience great. We have made over ten trips to Europe and the Carribean and Ms. Vadel has booked several trips of those trips. She is the reason we continue to book with Affordable Tours. Soazig has stayed on top of our bookings, provided advice, and helped guide us through the cancelling and rebooking of trips during covid.

Date of experience : October 15, 2023

Excellent safari experience

Excellent safari experience. Tour manager in Kenya Christopher Musysoke one of the best tour guide and manager . Very caring ,making sure we see it all. Taking personal attention of food needs for every one, funny and informative. Very loyal to his organization too. We enjoyed it all,except few camps were kind of too hard to reach and limited amenities. Overall very nice trip.

Date of experience : September 10, 2023

We had booked ten tickets for …

We had booked ten tickets for Hawaii cruise from SFO through your agent Autumn. She had promised $270 on board credit, Her email is with us. When we reached cruise we learnt that we are paid only $185. We had to purchase internet by paying $20 to contact her. She did not lift the phone. We again paid $20 for two days and tried to contact her, She gave reply through email that the check will be sent to your address. We repeatedly requested to give us OBC only but she did not lilisten This is a betrayal with we senior citizens. We had to pay $60 for contacting her and she did not care for us, We are very much disappointed with her attitude ,1

Date of experience : December 04, 2023

Reply from AffordableTours.com

We're sorry that an administrative glitch resulted in your not having the onboard credit while you were cruising. However, we did send you the funds by check and you should have them by now. If you do not, please email us at [email protected].

Travel agent Michael Walstrom makes this experience the best!

Affordable Tours has always been one of my go-to places to shop for tours. This time, my experience was even better because of our agent - Michael Walstrom. Michael has been the best communicator and the most caring of any travel agent that I have ever worked with. I felt that I really had someone looking out for our best interests. We even have many people traveling in our party and he handled everything superbly. I will want Michael to be our agent for every trip I take.

Date of experience : November 29, 2023

Lawren has been such a wonderful agent

Lawren has been such a wonderful agent! We greatly appreciated all of her help securing last minute vacation packages with different companies. She was so flexible and understanding of our timelines. She really went the extra mile to get confirmations and send us the information needed, whether by phone or online. Huge thanks to her and kudos on excellent service!

Date of experience : October 13, 2023

Affordable tours is my favorite agency…

Affordable tours is my favorite agency for many years. I like their website. It is very well organized and easy to use. Agents are always patient and take their time to help me to organize my trips. I trust to agency.

Date of experience : January 03, 2024

Supportive follow up to the last moment.

Autumn has been our cruise rep. for several years now before, during and after the COVID crisis. This included cancellations, altered bookings and follow up to almost the last day before our sailing when she made representation with RCCL on our behalf to ensure that we were not improperly billed. Thank you Autumn.

Date of experience : October 03, 2023

By employing great people like Cindy…

By employing great people like Cindy Brunner. Knowledgeable, on top of every detail of personal travel, pre & post, from Affordable Tours. Some incredible guided tours, one in particular was Alan who took us to Room 600 as well other WW11 sites, in Nuremberg Wow, such a wealth of knowledge of every single site visited. His extraordinary explanation in detail was beyond a high light to see this piece of history. I would highly recommend Alan for any future Nuremberg tours. Certainly made that particular tour on Viking memorable.

Date of experience : June 20, 2023

Reliable, efficient, cost effective

We have been using Affordable Tours as our travel consultant for many years. Have gone to China, VietNam, Cambodia, Danube River cruise, Russia, Thailand, and Italy using them. Five stars on all these trips as well as their personal service in helping us plan out our itineraries. Leaving for Paris this week.

Date of experience : July 14, 2023

Great service from the Travel…

Great service from the Travel Consultant Jerome Parnell. he was very helpful, competent, and available to help us. Affordable Tours has good pricing and discounts and a great Website that is easy to use and very effective.

Date of experience : December 05, 2023

OUTSTANDING SERVICE

I have been a customer of Affordable Tours for many years.What makes this place so special is Ms.Naomi Kinlock customer service manager.She is super helpful,professional and very patient,she listens to her clients needs and goes above and beyond for her customers.I highly recommend her and Affordable Tours if you want excellent service at a great price this should be your company of choice.

Date of experience : September 13, 2023

Best Travel Experiences Ever!

Steve Warren is very helpful, knowledgeable, responsive and friendly. He has done a fantastic job for us with trips over the years to China, Egypt, South America and Europe- all with Gate One Travel. We highly recommend Steve, Affordable Tours and Gate 1 Travel for your travels needs. Make the most of every moment!!!

Date of experience : October 17, 2023

How To Find Cheap Travel Insurance for Your Next Trip | Money

Travel insurance can cover your medical bills if you experience an injury or illness during your holiday. Depending on the policy you select, the best travel insurance policies can also cover trip interruption, lost baggage, rental car damage and emergency evacuations.

If you’ve invested a good deal of money on pre-paid, non-refundable travel expenses or are planning an extended vacation, you don’t want to leave on a trip without protecting yourself from the unforeseen. But you also don’t want to overpay for that sense of security.

Read on to learn how to find cheap travel insurance for your next trip and get tips on buying the right coverage to meet your needs.

How much does travel insurance cost?

The cost of travel insurance varies significantly. According to the U.S. Travel Insurance Association, you can expect to pay between 4% and 8% of your total trip cost on a travel insurance policy. The exact price will depend on the trip’s length, your age and the coverage amount you select, among other factors.

For example, if your trip costs $5,000, you’ll pay between $200 and $400 for travel insurance. However, if you’re older or planning to be out of the country for a prolonged period, you can expect your insurance premium to reflect those risks.

You may also pay more or less depending on the type of coverage you purchase. For instance, a policy with trip cancellation and medical evacuation coverage will likely cost more than one that provides travel medical benefits only.

What is considered cheap for travel insurance?

Your definition of affordability may be very different from that of other travelers. So, if you want to find the least expensive travel insurance option, there’s no getting around comparison shopping. Cheap travel insurance can be any policy that affords the coverage you need at a lower price point than other options.

Say you’re traveling with professional equipment like cameras. Purchasing a medical-only travel insurance policy could be more affordable than buying one that provides generous coverage for baggage loss and personal effects. However, going for the cheaper option may result in higher out-of-pocket costs if your bags are lost or stolen.

How to find cheap travel insurance for an upcoming trip

Finding the most affordable travel insurance will require some legwork. Here are some tips to make your search easier.

1. Only purchase the travel insurance coverage you need

Buying more insurance coverage than you need will increase your expenses. With that in mind, it’s best to start by understanding what travel insurance covers and then defining your needs.

Most travel insurers offer different plan tiers with various levels of coverage. Plans that cover more scenarios and offer higher coverage limits will cost more. Purchasing add-ons like rental car coverage will further increase the cost of your policy.

So, for example, you probably don’t need a policy that covers baggage delay or flight cancellation if you’re driving over the border into Canada. Instead, you can save money by selecting a more basic plan offering only emergency medical and personal effects coverage.

Similarly, paying for an annual travel insurance policy doesn’t make sense if you only leave the country once or twice a year for a couple of days each time. It might sound like a good idea because these plans often offer cheaper medical travel insurance coverage per trip, but they will cost more if you don’t travel frequently enough to make them worthwhile.

2. Choose the right type of policy for your trip

If you purchase travel insurance, make sure to select a plan that covers the risks you’re likely to face during your trip. For instance, you might go with a policy that covers missed connections and trip delays if your travel plans are complicated and involve numerous stops.

Similarly, if you’re participating in high-risk activities such as rock climbing or scuba diving, look for a policy that covers these, as not all plans do. And if you are taking a cruise, a cruise travel insurance policy can cover risks unique to this form of travel, such as medical emergencies that necessitate an airlift to an on-shore medical facility.

3. Check whether you already have some form of rental car coverage

You’ll need rental car insurance if you’re renting a car during your travels. Depending on your destination, you may already be covered under your car insurance policy. That could be the case if you’re traveling to Canada in a rental vehicle, for example. However, if you’re traveling to Mexico, you’ll need a separate policy.

Similarly, your car insurance policy from back home typically won’t cover you overseas. In that case, you can purchase insurance from a rental car company at your destination or check whether your credit card offers such protection. Many of the best travel credit cards include rental car coverage. If your card does, check whether that coverage is primary or secondary. Secondary coverage applies after you’ve exceeded the limits of any other applicable insurance policies.

With this in mind, you may not need to purchase rental car coverage from your travel insurance company. If your travel insurer offers you a better deal on a collision damage waiver — which is what travel insurers generally offer — call your rental car company first to see if it accepts this form of coverage, as some companies do not.

4. Check your credit card for travel protection benefits

Your credit card may also offer travel protection benefits beyond rental car coverage. Depending on your credit card, you could receive reimbursement for baggage loss and delays, trip interruptions and cancellations, and travel accidents. Some cards also provide emergency medical, dental, and even medical evacuation coverage.

However, every card is different, so contact your credit card issuer to learn what it covers and whether limits and restrictions apply (and they generally do). For example, only trips you purchased with the card would be covered, and you may be required to meet a deductible before coverage kicks in.

Just as with a travel insurance policy, you’ll have to cover any expenses out of pocket and then submit a claim for reimbursement. You’ll also be required to provide documentation to support your claim, such as medical bills. So, whether you purchase travel insurance or rely on your credit card’s travel benefits, always budget for contingencies.

5. Consider purchasing group coverage

Not all companies offering group travel insurance policies consider the travelers’ ages when pricing these plans. That means group coverage may be more affordable than buying individual policies for each group member. If you’re traveling with family, friends or colleagues, shop for group travel insurance instead.

Just keep in mind that group policies aren’t as customizable and coverage limits may be lower than what you need.

6. Comparison shop

We really can’t stress this enough, but comparison shopping is the best way to get a good deal on any kind of insurance, even travel insurance. If you don’t have time to do the legwork yourself, a travel insurance marketplace can help you quickly compare options from various insurers in a single place. It can also give you a better idea of how much travel insurance will cost you .

One possible drawback of doing business with an insurance marketplace is that they don’t partner with all providers, so you could be missing out on a good deal from a carrier the comparison site doesn’t do business with.

Is cheap travel insurance good?

Whether an affordable insurance policy is adequate will depend on what it includes and the specifics of your trip. If you’re flying to multiple countries, a cheap policy that doesn’t cover flight interruption may not suffice. However, that policy may suffice if you drive over the border for a few days and only require basic emergency medical coverage.

A cheap policy that covers all of your main risks is better for you than an expensive plan that doesn’t, so it all comes down to the coverages you need to best protect yourself. When searching for a policy, consider where you’re going, what you’ll be doing and how long you’ll be gone.

Summary of Money’s guide to finding cheap travel insurance for your next trip

Planning a trip takes time, and finding the ideal travel insurance policy will add to your workload. However, travel insurance can give you great peace of mind during your travels by helping you protect your savings. Moreover, affordable options exist.

To save even more on travel insurance, define your coverage needs, check whether you already have other forms of insurance or travel benefits that can protect any aspects of your trip and comparison shop.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

What is the best Affordable Travel Insurance for Backpackers? The 3 Best Backpacker Travel Insurance Companies Compared

Here’s the complete guide to backpacker travel insurance, why you need it, and what it should cover. You’ll find a detailed comparison of the 3 best insurance companies that offer specific policies and travel insurance for backpackers to help you choose the most suitable policy for your trip.

So you’ve packed your bag, you’re ready to embrace the life of a backpacker, and are headed off on a new adventure!

However, before you leave, no matter where your chosen destination may be, there’s no better way to protect yourself on your trip than purchasing backpacker travel insurance.

The number of insurance providers out there can be overwhelming but no need to worry, this guide has you covered!

Disclaimer: This posts might contain affiliate links, meaning that if you make a purchase through these links, I may earn an affiliate commission. Thank you for helping to support this website!

TABLE OF CONTENTS

1. What is backpacker travel insurance?

You might ask yourself, what exactly is backpacker travel insurance and how does it differ from regular travel insurance?

Backpacker travel insurance is a type of insurance specifically designed for people traveling long-term and/or on a budget and living the wanderlust dream.

Not only does it protect you from canceled flights, lost luggage, and emergency visits to the hospital whilst overseas, it’s more flexible than regular travel insurance and will usually cover a broader range of countries alongside more adventurous activities .

Long-term travelers will often have a lower budget and often look for cheap backpacker travel insurance deals to cover a more extended trip. Because of this, backpacker travel insurance tends to be less expensive and more affordable than traditional travel insurance.

2. Why do you need backpacker travel insurance?

Backpacking is a lifestyle of traveling that brings with it the unknown, excitement, and risks that you probably wouldn’t find yourself taking in your everyday life back at home.

It’s so essential that you have travel insurance to protect you in all unforeseen situations, including any accidents and emergencies you may find yourself involved in.

Covering yourself with a comprehensive travel insurance policy can save you from spending thousands of dollars on medical expenses.

Not only that, if you happen to miss an important flight or if some of your belongings are stolen, having insurance gives you peace of mind knowing that these things will all be covered.

16 Things to Prepare for a Long-Term Trip – International Travel Checklist

3. What to look for when buying travel insurance

There are a few essentials that all travel insurance policies should cover:

• medical emergencies and protection (medicine, emergency evacuation, hospital fees)
• stolen, lost or damaged belongings (including documents and luggage)
• flight delays and cancellations
• trip cancellations (plus curtailment cover so that you can get home quickly if there is a death in the family)
• access to a 24-hour helpline
• Repatriation for you to get home (if you become ill, it covers the flight back home)

Other factors to look out for that could be really beneficial for you when included in your policy are:

• being able to extend your policy if you choose to stay longer than you originally intended
• a very high limit for medical expenses
• cover for any legal expenses whilst overseas
• a policy that covers most countries in the world
• high personal liability insurance (in case you cause any damage to someone else’s property or injure them)

It’s really worth doing the research and choosing a policy that is going to be relevant for the type of traveling and adventuring that you choose to partake in.

Read the small print and make sure that the policy covers everything that you need it to!

It’s worth paying extra for the peace of mind of knowing if something were to happen, your travel insurance is there to serve you properly.

What you need to know before you quit your job and travel the world indefinitely

4. What travel insurance for backpackers doesn’t cover

It’s also very useful to know and worth noting what many backpacker travel insurance policies do NOT cover.

This will differ slightly with each policy, however, there are a few common things that you won’t be able to get cover for.

Generally speaking, these are:

• any drug or alcohol-related incidents or accidents
• injuries or accidents sustained whilst participating in some extreme sports/high adrenaline activities which in some cases can include hill walking, so make sure that the policy you’re looking at covers you appropriately for the activities you will be doing
• Pre-existing medical conditions are sometimes not covered
• any stolen money
• traveling to areas that have been deemed dangerous (natural disaster zones, or places with armed conflicts
• any flights bought with airline miles
• medical tourism (facial/body aesthetic operations )
• breakdowns due to poor mental health

The Ultimate List of Countries with Digital Nomad Visas

5. Useful tips before heading off on your trip

Once you have organized and purchased your travel insurance, a smart tip is to make a note of the company’s helpline number along with the number of your policy. Keep it somewhere easy to find with your other travel documents.

On previous trips, I found myself printing out parts of my policy so that I had the important information close at hand alongside my passport.

Make an extra copy, or email a copy to your parents or friends at home just in case you happen to need assistance and end up in a sticky situation where you can’t advocate for yourself.

Another handy tip is to document EVERYTHING.

For example, if you’re planning on buying and taking some expensive kit with you i.e a camera, laptop, smartphone or any other pricey gadget, make sure to keep ALL of the receipts.

It’s helpful for the insurance company to see that you actually have proof of purchase for these items and in the event of any of these devices being stolen or damaged you may have an easier time claiming back your money.

What’s in my Camera Bag: Cameras for Travel Photography and Essentials

6. If you need to make a claim whilst abroad

If you find yourself in a position where you need to make a claim whilst on your travels, it’s helpful to organize all of your necessary documents with time to spare.

Include any/all receipts, emails, documentation of hospital or doctor appointments, any purchases, take photos and images of everything that you think is relevant and include them in your claim.

As I mentioned above, by saving ALL of the appropriate documents, you can better support your claim.

It’s also important to be aware that insurance companies can take some time to pay out and patience is a good thing to keep in mind. 

7. What are the best travel insurance providers for backpackers?

There are literally hundreds of companies out there offering cheap backpacker travel insurance.

Whilst budget is an important factor for most backpackers, especially for people looking for student backpacking travel insurance, it’s vital that you purchase a policy that provides you with the protection that suits the nature of your trip.

There’s getting a ‘good deal’ and then there’s buying travel insurance for backpacking that doesn’t give you any cover for any of the activities you want to do whilst away and the relevant countries that you plan on visiting.

If you need to make a claim, you could end up thousands of dollars out of pocket instead of just paying that little bit extra at the start.

To head off WITHOUT travel insurance could prove to be a big mistake and according to statistics , if you plan on traveling for a long period of time, something is bound to happen.

I am not being pessimistic when I say this, it’s from my own experience and the advice of many other seasoned travelers and backpackers.

Bags will be lost, belongings may be stolen or damaged, you may become unwell and require medical care. At the end of the day, it’s just not worth the gamble.

If you have zero clue about where to start when it comes to buying backpacker travel insurance, please know that you’re not alone and that this guide is here to help.

I’ve gathered and researched for you my pick of the three best companies offering backpacker insurance policies and laid it out plain and simple for you to understand in order to make the right decision for your trip.

The top two travel insurance companies who I believe offer the best backpacker travel insurance cover are:

• IATI Backpacker

1) SafetyWing

SafetyWing is my first recommended travel insurance company.

Their Nomad Insurance has been specially created for backpackers, digital nomads, and long-term travelers.

They haven’t been around very long in comparison to other companies, however, they are quickly becoming a firm favorite in the backpacking community.

Not only are their plans affordable, with cover starting at $2 per day for short trips, they also offer long-term annual travel insurance plans for frequent travelers which is ideal if you travel regularly.

Unlike most policies on offer by other companies, SafetyWing doesn’t require you to provide a home address or a list of the countries that you plan on visiting which gives you the ultimate freedom to change your mind about your next destination.

They also offer a completely comprehensive travel medical insurance policy for full-time travelers and remote workers which is called ‘ Remote Health ’.

This plan covers any healthcare or medical care that you may require when traveling on a trip or if living and working abroad. It covers everything from giving birth to treatment for all kinds of illnesses, it also covers you for repatriation or evacuation too.

If you need it, you can add on dental cover, just in case you needed some work on your teeth whilst away.

The Nomad Plan is an ideal choice of travel insurance for backpackers who are already abroad because you can buy it or renew a policy during your trip at any point making it perfect for those spontaneous trips and life changes.

2) IATI BAckpacker

I only recently discovered IATI but I’m already a fan! That’s why it’s my third recommended company offering backpacker travel insurance.

IATI offers seven (!!) levels of cover, depending on your needs and the preferred way in which you like to travel.

They offer a wide range of different coverage for short holidays, destinations with high medical costs, long-term travelers, adventure travelers, families, and students alike.

Their IATI Backpacker policy covers you highly for any medical expenses and also gives you a high amount of personal liability. They cover you for all sorts of sports and adventurous activities, including scuba diving, rock climbing, trekking at altitudes up to 5400 meters and bungee jumping.

They also cover dental expenses, repatriation, travel and accommodation of a relative if you have to stay in hospital for more than 5 days, theft, damaged or lost luggage, travel delays, search and rescue and much more.

They are one of the few companies that offer backpacking travel insurance and cover any claims brought against you if you are held liable for any injuries or damage you involuntarily caused to third parties.

3) Heymondo

Heymondo is one of the latest top travel insurance providers for backpackers and long-term travelers.

Their policies are accessible and easy to understand and they offer a range of different coverage for short trips , annual multi-trips and flexible long-term trips . You can easily personalize your insurance to your type of trip and budget.

Their travel insurance plans already cover numerous outdoor activities and you can add Adventure Sports that will cover extreme activities from white-water rafting and trekking up to 5,000 meters altitude to bungee jumping and rock climbing.

Another benefit they offer is the ability to edit or extend your policy on the go which could come in handy for someone living the life of a backpacker.

8. Cover during a Pandemic (Covid 19)

A global pandemic isn’t something that many, if any travel insurance companies, would have probably ever covered you for pre-2019.

However, nearly three years on, here we are, the world a changed place for the foreseeable, and Covid 19 continues to affect people across the world. After numerous lockdowns, it’s natural that some people may be feeling anxious about the thought of being able to travel again.

Although numerous countries’ borders still remain closed, there are plenty of countries that are ready to welcome tourists and travelers back, in order to help rebuild their damaged economies.

We have all learned to adapt the way we live our lives around Covid 19 and travel insurance providers have had to change and adapt their policy offerings to support this.

The three companies that I mention in this article each have different components within their policies that state what you are covered and not covered for when taking Covid 19 into consideration.

Therefore, it’s important that you read through all of the information carefully and find out exactly what applies to you and what your specific policy covers you before you leave on your trip. If you’re unsure about something, phone the helpline and discuss the specifics with someone.

All three travel insurance companies state that they will NOT provide you with any cover if you decide to travel against the advice of the Foreign, Commonwealth, and Development Office including any travel restrictions enforced by the government in relation to Covid 19. This would be, for example, if your country were to be in lockdown. As I said before, I know it’s a brand new world…

Heymondo states that their insurance plans cover all emergencies related to Covid. These include trip delays or interruptions, emergency medical expenses and cancellation charges.

If you were to contract Covid and become sick and require emergency medical care, any expenses in this instance would be covered by your policy just like any other illness.

Their trip cancellation even covers you if you test positive or if a close relative gets seriously ill or dies due to COVID-19 and you’ll be able to get a reimbursement for your pre-paid, non-refundable expenses related to your trip.

SafetyWing now offers coverage for Covid 19 under their Nomad insurance policy, which means you would be covered if you become sick and need medical care.

You would receive $50 per day for up to 10 days if you were to test positive for Covid if your policy was at least 28 days or longer. They will now cover you for lockdowns as well as quarantine coverage which is a more comprehensive type of Covid cover than other plans.

And with their Annual Nomad Plan , you can cancel it at any time. If you were to enter a country that went into ‘lockdown’ due to Covid, you’re not tied into a plan when you can’t actually travel.

All IATI ‘s policy plans offer coverage for coronavirus during the trip. This coverage includes diagnostic tests (PCR) prescribed by health professionals in case of symptoms compatible with the disease, medical assistance, medical transport, hospitalization, quarantine and repatriation.

A 10-day quarantine in a hotel is contemplated with the convalescence coverage included in all their plans.

9. The 3 best backpacker travel insurance companies compared

So I’ve briefly mentioned a little about my top three choices for backpacker travel insurance. Now let’s go into more detail about what each of these companies actually offers you and compare these backpacker travel insurance policies.

I want to help you get the best insurance deal that will cover you fully for your exciting adventures abroad.

1) Safety Wing

Safety Wing uses a monthly payment scheme that is subscription-based meaning that if you need to, you can stop or pause your cover when not using it.

It’s flexible because you can organize coverage for a specific date, monthly or annually until the end of your trip with their auto-renewal service. This is ideal if you’re not totally certain about the length of time you will be traveling for.

Safety Wing lists what activities and adventures are not covered on their website in a really clear and simple way which is really refreshing in comparison to trawling through the fine print of some other companies’ policies.

However, unlike World Nomads, Safety Wing does NOT cover any electronics . I would suggest that if you choose their backpacker insurance cover, insure your tech through a secondary insurance company such as a Gadget Cover .

Safety Wing also does NOT provide cover for any pre-existing medical conditions with the exception of cover for Acute Onset of a Pre-existing Condition – see here for more details on this .

Their Nomad Insurance Policy includes:

• $250,000 in emergency medical coverage
• $100,000 in medical evacuation
• $5,000 for trip interruption

Their policy also includes:

• coverage up to the age of 69 years old
• coverage from 5 days – 1 year
• great value for money at $42 USD per month
• cover for a huge list of activities and sports but NOT many adventurous activities such as paragliding, white water rafting or skiing off piste for eg. See the full list here .
• covers travel anywhere in the world (except for Cuba, Iran, Syria and North Korea)
• They offer home country coverage, including the USA
• You can include up to 2 kids under age 10 per family at no extra cost
• 24/7 assistance

Safety Wing – Is this the best travel insurance for long-term travelers?

2) IATI BAckpacker insurance

IATI offers seven different types of insurance plans, depending on your budget, type of travel and the duration of your trip.

The IATI Backpacker Insurance is specially designed for backpackers who are setting off to see the world without knowing exactly which countries they will visit or how long the trip will take. You can also purchase this travel insurance if your trip has already started.

However, it’s important to know that if you’re not a Spanish citizen (this insurance company is located in Spain), you can only take out insurance for trips up to 4 months.

Their monthly policies start at €127 covering nearly all destinations in the world. They offer 24/7 customer care.

This policy combines high medical coverage of €500,000 with and other specific upgrades such as adventure sport, search and rescue, and computer equipment in your luggage. You can also take out a new policy when you arrive if you decide to extend your trip.

The IATI Backpacker Plan includes:

• €500,000 in emergency medical coverage
• 100% coverage in medical evacuation and repatriation (including natural disasters)
• €1,500 for stolen or lost baggage
• up to €500 in trip delays
• €15,000 in search and rescue expenses
• €60,000 in personal civil liability
• €2,000 in cancellation costs, provided that you cancel before the trip starts and for one of the reasons set out in the policy

This policy also includes:

• emergency medical and dental coverage
• personal injury in motor vehicle accidents
• travel/accommodation of a relative in case you need to stay more than 5 days in hospital
• coverage up to age of 69 years old
• convalescense in a hotel
• sending medication abroad
• stolen passports & tech gear
• delayed departure and delivery of luggage, and missed connections
• extended trip costs if you’re stuck somewhere due to bad weather, natural disaster, political problems
• cover for a huge list of activities and sports. See the full list here.
• covers travel anywhere in the world

3) HeyMondo Travel Insurance

Heymondo offers three different types of insurance plans with policies starting at 65 EURO per month for European Citizens and 116 USD per month for USA Citizens.

Heymondo also offers an app service which comes with a 24/7 medical chat, free worldwide emergency assistance calls, extra lodging expenses due to medical quarantine, coverage of non-refundable expenses in case of serious illness and simple claims management options.

The Heymondo Medical Plan includes:

• $500,000 in emergency medical and dental expenses
• $500,000 in medical evacuation and repatriation

The Heymondo Top includes:

• Up to $1,700 for lost or stolen baggage.
• Up to $450 for travel disruption and $3500 for cancellation and interruption due to serious illness

Their policies also include:

• Natural disasters
• Medical transportation
• Personal liability
• Compensation for death or permanent disability as a result of an accident that takes place during the trip.
• Cover for over 140 countries
• You can add-on cover for expensive belongings and adventure sports.

The Heymondo Premium includes:

• Up to $2,500 for lost or stolen baggage.
• Up to $1500 for travel disruption and $7000 for cancellation and interruption due to serious illness
• Search and rescue
• Natural disaster
• Rental car access
• You can add-on cover for expensive belongings, adventure sports and cruises.

10. Which is now the best backpacker travel insurance?

You must think properly about all the things you’d like your policy to cover you for when comparing travel insurance.

Shop around and do some research first and then be sure to read through the terms and conditions carefully before purchasing your policy.

However, I wholeheartedly want to say that it is equally just as important that we keep our minds open to traveling and keep dreaming and planning epic adventures.

Backpacking can be absolutely life-changing and provide you with so much joy and give you a new thirst for life, meeting new people, exploring new places, and pushing the boundaries of your comfort zones. 

Regarding the BEST backpacker travel insurance, my top pick depends on the duration of my trip and the type of activities I plan on doing.

Every summer, I travel for 3 to 4 months to Central Asia to guide my adventure tours and to go trekking in the mountains.

These activities sometimes include heights over 4000 meters, so I take out IATI Backpacker Insurance . This insurance policy covers everything I need and so much more for “only” €127 per month.

If something happens to me in the mountains or I get stuck due to natural disasters, pandemics or political issues (nowadays we never know what’s coming…), at least I know I’m fully covered with the IAT I B a c k p a c k e r P l a n .

If I’m going on a trip longer than 4 months or on a shorter trip that doesn’t include me doing extreme activities or hiking above 4000 meter, I take out the Nomad Insurance Policy by Safety Wing .

Their plans are very affordable, and their unique subscription service also offers you a modern and ultimately a more flexible way to insure yourself whilst away compared to other types of cover on the market.

With rates starting at $42 per month (28 days) and covering you for most of the basics , they are a fantastic option for anyone working with a tight budget. Not only do they offer great travel insurance for backpackers, but they are also a good option for any digital nomads out there too.

I hope this guide helped you understand what backpacker travel insurance is and what to look out for when purchasing one. 

Even if you choose not to go with any of the companies mentioned in this article, please don’t travel without insurance.

Make sure that you’re covered, even if you don’t end up needing to claim whilst away, knowing that you’re covered (just in case) is totally worth it!

You might also want to read:

The Ultimate List of 23 Countries with Digital Nomad Visas (for remote workers)

Travel and volunteer abroad for free with these 4 work exchange programs

The Complete Guide to Teach English Online with 37 Online Teaching schools and Platforms

4 Realistic and Best Ways to Find Free Accommodation for Travellers

How to Make Money While Traveling the World including the 12 Best Travel Jobs

16 Things to Prepare for a Long trip – International Travel Checklist

2 thoughts on “what is the best affordable travel insurance for backpackers the 3 best backpacker travel insurance companies compared”.

I read your long post and realised than none of your three companies would insure me as a 64 year old long time backpacker. Shocking? Back to World Nomads I suppose as they insure backpackers till 70. What will I do then though?

Hey Linda, I’m sorry to hear that they all put an age limit for long-term travelers… I double-checked and indeed, they only insure long term until a certain age…

Leave a Comment Cancel Reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Compare the Top Cheap Life Insurance Policies

Affordable life insurance reviews, cheap life insurance frequently asked questions.

• Why You Should Trust Us

How to Pick a Life Insurance Policy that Fits Your Budget

Affordable life insurance: find the right life insurance for your budget.

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.

Life insurance is a great way to care for your family's short-term needs once you're gone. In the right circumstances, it can also be a retirement tool and build generational wealth for your descendants. Compare cheap life insurance options that fit your budget below. 

Best Cheap Life Insurance

• Ethos Life : Best for Guaranteed Coverage
• State Farm Life Insurance : Best for Customer Satisfaction
• Guardian Life Insurance : Best for Preexisting Conditions
• New York Life Insurance : Best for Whole Life
• Northwestern Mutual Life Insurance : Best for Customized Coverage
• USAA Life Insurance : Best for Military and Veterans
• Transamerica Life Insurance : Best for Foreign Nationals

Apply for life insurance online in just a few minutes with Ethos' simple application. No medical exams are required. Just answer a few health questions—many customers enjoy same-day coverage!

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 100% online application process, quotes in minutes
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage starts immediately once approved
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies renewable up to age 94 for qualifying applicants
• con icon Two crossed lines that form an 'X'. No conversion options to turn term policies to whole life for no exam policies
• con icon Two crossed lines that form an 'X'. Whole life policy limits are lower

Bundling is standard, and agents often quote with multiple discounts.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
• con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
• con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
• con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

• Life insurance products include term and permanent life
• Ranks highly for customer satisfaction

A++ (Superior)

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offered nationwide
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Financial stability rating of A++ from AM Best
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No medical exam is available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unique coverage options like survivorship insurance and insurance for HIV applicants
• con icon Two crossed lines that form an 'X'. Although you can get an online quote, you will need an agent to purchase a policy
• con icon Two crossed lines that form an 'X'. Site pushes buyers towards term policies first
• Life insurance provider with online insurance calculator tool
• Survivorship insurance and no medical exam policy

Offers aggressive financial products and extensively trained agents.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
• con icon Two crossed lines that form an 'X'. May require a medical exam
• con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

• Life insurance provider with policies available across the US

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong financial stability rating
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High customer satisfaction
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers advising and financial planning
• con icon Two crossed lines that form an 'X'. No easy way to get a quote to compare prices
• con icon Two crossed lines that form an 'X'. Life insurance agents may not be able to effectively discuss the full range of available Northwestern Mutual life insurance products
• 5/5 for claims satisfaction according to JD Power
• Offers whole, universal, variable universal, and term life insurance policies

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won't cover
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers term and permanent life insurance options
• con icon Two crossed lines that form an 'X'. 2 year waiting period for full benefits on some policies
• con icon Two crossed lines that form an 'X'. May focus on death benefits only more than other companies
• con icon Two crossed lines that form an 'X'. All permanent policies are underwritten and serviced by other companies, not by USAA
• USAA offers life insurance for the military, veterans, and the public.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of life insurance products including term, universal, foreign nationals, and more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available for foreign nationals
• con icon Two crossed lines that form an 'X'. Can only be quoted and sold by licensed Transamerica life insurance agents
• con icon Two crossed lines that form an 'X'. Life insurance not available for certain high-risk clients

Best for Customer Satisfaction: State Farm Life Insurance

State Farm Life Insurance took the top spot in the most recent JD Power US Life Insurance Study. Its agents are well versed in its auto, home, life, and other insurance products, quoting with all applicable discounts, claims management, and more. State Farm sells several types of whole life policies ranging from a single premium option (for immediate protection) to a whole life policy with fixed payments. Adults between 50 and 80 may also qualify for a final expense policy with a $10,000 death benefit.

State Farm Life Insurance operates in all states except Massachusetts, New York, and Wisconsin. State Farm Life and Accident Assurance Company offers similar life insurance policies in New York and Wisconsin. Wherever you are within the US, quoting is easy, especially if you're already a customer.

Read our State Farm Life Insurance review here.

Best for Preexisting Conditions: Guardian Life Insurance

Guardian Life Insurance  offers easy online quotes in minutes with no insurance agent required. In addition, the company offers term policies as short as 10 years and as long as 30 years. It also provides whole, universal, and other life insurance products.

What sets Guardian Life apart from other life insurance companies is its unique HIV life insurance. Of course, conditions apply, such as a two-year history of antiretroviral therapy, no AIDS-defining illnesses, and an undetectable HIV viral load. Recently, the company has expanded this program to allow buyers up to age 65. Buyers with a history of IV drug use also have more flexibility as the company can offer coverage after seven years instead of the previous 10 years. The HIV plan is just one of the innovative life insurance products offered by a select few life insurance providers, including Guardian Life.

Read our Guardian Life Insurance review here.

Best for Guaranteed Coverage: Ethos Life Insurance

Ethos Life  is known for its efforts to work with difficult-to-insure populations. The company offers easy online quotes and term and permanent life insurance options. It also has guaranteed issue policies, meaning guaranteed acceptance if you fall between predefined age limits. At this time, all guaranteed issue policies with Ethos are whole life policies. While some companies may offer no medical exam term life insurance , issuance requires underwriter review.

Ethos' guaranteed coverage plans can offer death benefits up to $25,000 for applicants between 65 and 85. Guaranteed plans primarily cover funerals and other final expenses. If you're seeking a higher death benefit, Ethos offers whole, term, and no medical exam policies. Its monthly premiums start at just $7 per month, but interested customers should get a quote on their preferred life insurance plan to nail down exact premiums.

Read our Ethos Life Insurance review here.

Best for Whole Life: New York Life Insurance

New York Life Insurance  specializes in multi-million dollar investment policies great for retirement planning with term, whole, and universal life insurance options . However, it does not provide online quotes. In addition, New York Life insurance agents complete extensive training to answer all questions about its policies and help buyers identify the right policy. New York Life agents can add riders to customize plans to meet your needs. Even with some of its smaller policies, policyholders may earn dividends.

Read our New York Life Insurance review here.

Best for Customized Coverage: Northwestern Mutual Life Insurance

Northwestern Mutual Life Insurance  temporarily unseated State Farm as the top life insurance company in customer satisfaction. While it may not top JD Power's rankings currently, the company continues to offer easy quoting, strong customer service, and a streamlined process overall. Northwestern Mutual also allows buyers to utilize diverse riders to customize plans to meet their needs.

Adding a rider to protect your life insurance benefits if you're sick and can't make payments is just one of the affordable life insurance riders offered by Northwestern Mutual. Working with a qualified life insurance agent is the best way to ensure you can customize your plan to meet your needs.

Read our Northwestern Mutual Life Insurance review here.

Best for Military and Veterans: USAA Life Insurance

USAA Life Insurance is available to buyers with no connection to the military, though USAA as a whole has become synonymous with financial services for veterans. What makes it unique is its life insurance policies are open to active-duty military members. Outside of SGLI (servicemember's group life insurance), many life insurance companies restrict coverage for military members in specific ways. SGLI may be generous while you're involved with the military. But once you separate, the coverage would no longer be available.

USAA offers whole life insurance policies with expedited coverage for deployed soldiers. It also provides severe injury benefits and coverage for wartime. One key selling point for veterans is USAA guarantees SGLI replacement when separating from the military.

Read our USAA Life Insurance review here.

Best for Foreign Nationals: Transamerica Life Insurance

Transamerica Life Insurance  (AEGON) offers life insurance limits of up to $10 million with many universal life insurance policies and other permanent options. Visa holders can also buy plans with Transamerica. When evaluating your risk class, some restrictions may apply depending on the country of origin.

Transamerica has decades of history in the life insurance market. It also reports faster underwriting and processing times than its competitors. If you're interested in life insurance with Transamerica, we recommend contacting an agent. It offers limited quotes online, but many of the best policies are only sold through licensed insurance agents.

Read our Transamerica Life Insurance review here.

The average cost of life insurance is $40-$55 a month. Keep in mind that your monthly premium will vary depending on the type of policy you purchase and how much coverage you select.

The cheapest life insurance is term life insurance. Term life insurance policies only last for a set amount of time (usually 10 to 30 years) and they don't accrue any cash value like whole life policies do. Read our guide to the best term life insurance companies to learn more.

Your life insurance will be cheaper the younger you are. As you age, the probability that your insurer will have to pay out on your policy rises and therefore, your premium will be higher.

Term life insurance is generally the cheapest type of life insurance, but it's the cheapest for a reason: It expires after a set term. You can buy a 30-year term life insurance policy, but if you outlive the policy, your relatives won't receive any payout when you die.

Why You Should Trust Us: How We Chose the Cheapest Life Insurance

We look beyond the obvious factors like online quote calculators and affordable pricing to see what life insurance companies offer. Our life insurance ratings methodology reflects aspects including:

• Customer satisfaction (as rated by JD Power)
• Financial stability (as rated by AM Best)
• Policy types offered
• Average monthly premiums/affordability
• Waiting periods required for complete life insurance benefits
• Exclusions that would prevent you from getting life insurance with the company being reviewed
• What you can expect from life insurance agents who quote a company's policies
• How available are a company's life insurance products? (is it licensed to sell life insurance in all 50 states and Washington, DC?)
• How ethical company practices are measured by recent controversies, charitable activities or donations, etc.

We recommend starting with online research if you want a life insurance plan. You can get quotes online if you want a plan to cover funerals and other limited costs. But first, decide what you want your life insurance plan to do, how much you can afford to spend each month, etc.

Next, we recommend talking to at least one licensed insurance agent. Some of the best life insurance products can only be quoted or sold through a licensed insurance agent. Ask questions about the things you don't understand. Let an agent help you calculate the ideal benefit for your needs. Ask which riders customers add to the policies you're looking at, and compare three life insurance quotes.

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.

**Enrollment required.

• Main content

• Visa & Invitation
• Sightseeing
• Train Tickets
• Kaliningrad
• Petrozavodsk
• Saint-Petersburg
• Veliky Novgorod
• Golden Ring
• Nizhny Novgorod
• Ekaterinburg
• Novosibirsk
• Krasnoyarsk
• Lake Baikal
• Vladivostok
• Arkhangelsk
• South of Russia
• Information
• Encyclopedia of Transsiberian

Contact Form

Dear Lesya Thank you very much for your complement. We will be always in touch with you for our future trip : Sochi My experience is your company is very sincere for organising tour of overseas tourists. All the best Yours sincerely Nazrul

Dear Ms Lesya/team, Good day, thanks for all the arrangements done for these clients, just took their feedback they were happy with the tour, They felt st peterburg guides & driver were slightly better than moscow. Thanks & Regards Vjay

Hola Lesya, El martes regresamos de nuestro viaje. Globalmente fue muy bien: la organización, los guias... Todo el grupo ha estado muy contento con Ostwest.com, por eso queríamos darles las gracias por su profesionalidad y eficiencia. Saludos, Jesús

All Records Add Record

Euro USD Roubles

• Sightseeing in Omsk
• Transfer in Omsk

Omsk print version

General city information.

Omsk is a city in the southwestern Siberia in Russia and the administrative center of Omsk Oblast. It is the second-largest city in Russia beyond the Urals. The distance from Omsk to Moscow is 2,700 km.

In the Russian Empire, it was the seat of the Governor General of Western Siberia, and later of the Governor General of the Steppes. For a brief period during the Russian Civil War in 1918–1919, it was proclaimed the Capital of Russia, and held the imperial gold reserves.

Omsk is the administrative center of Siberian Cossacks, the see of the bishop of Omsk and Tara, and the imam of Siberia.

Geographically Omsk is situated at the banks of Irtysh (the north-flowing river) at the place where it joins the Om River. Omsk also sits at the junction of motorways of the central Russia and hosts both branches of the Trans-Sib Railway.

Along the Ob and Irtysh rivers both passenger and freight navigation connects Omsk and smaller mining towns of Kazakhstan. The boats also provide a link with the resources rich parts of Northern Siberia.

The climate is dry and continental, infamous for its drastic temperature changes. The average difference throughout a year is between +20 °C (68 °F) in July and?19 °C (?2.2 °F) in January. The average number of sunny days is 300 per year.

The city center displays is an ensemble of buildings along Lyubinsky prospect and Lenin Street. The most spectacular is the former Gostiny Dvor, decorated with two chapels. Close at hand are a bourse and a drama theater, all dating from late 1800s – early 1900s.

Smaller streets are lined with stately mansions of former insurance companies, trusts and banks from the same period. Closer to the river are the few surviving somber buildings of the 18th-century fortress. The largest and most opulent church in the city is the Dormition Cathedral, a five-domed construction in the style of the Russian Revival. It was erected in 1896, blown up by the Soviets, and meticulously restored in the early 2000s.

Another area of interest is the junction of Nikolsky Prospect and Krasnyikh Zor Street. It has a line of merchants’ old wooden houses still perfectly intact. The Krasnyikh Zor leads to the neoclassical cathedral of St Nicholas, which was commissioned by the Cossacks, designed by Vasily Stasov and built in 1840. It contains various relics of the Siberian Cossacks.

The major museums in Omsk are the Omsk Vrubel Art Gallery and the State Historical Museum. The first located in the former bourse building and the Historical Museum can be found at the governor-general’s former mansion.

We are happy to offer you an  invitation letter free when you book your accommodation with us!

• Hotels in Omsk Here you will find a list of hotels in Omsk with a reservation option. You may book any of the listed hotels via our agency and get a reduced price. If you book your hotel with us, your visa support (letter of invitation for a Russian visa) will be free of charge. If you are interested in booking a different hotel in Omsk, please, contact us .
• Sightseeing in Omsk Omsk is the second-largest city in Russia beyond the Urals and has a lot to offer to its visitors. Here you will find a list of excursions, tours and day trips we recommend. On request, extra excursions can be organised. If you are interested in this option, please, contact us
• Transfer in Omsk Here you will find a list of our transportation services (including the rent-a-car option). We offer individual transfers by private car and group transfers by bus. Usually the transfer does not include a guide, but it’s possible to arrange this. The guide (who speaks one of the available languages) will accompany you to your accommodation and will generally show you around.

1999 — 2024 www.ostwest.com © All rights reserved.

HIGHLIGHTS & SIGHTSEEING IN OMSK

• A visit to the Church of St. Nicolas that is a beautiful sample of architecture of 18th – 19th centuries will open you few pages of the Russian history.
• World famous Russian writer Fyodor Dostoevsky condemned to penal servitude spent four years in Omsk from 1850 till 1854. Commandant of the Fortress of Omsk paid a special attitude to this state convict and gave F. Dostoevsky a small room in his house. Nowadays the former House of the Commandant of the Fortress is the Fyodor Dostoevsky Museum. The famous novel «Notes from a Dead House» reflects events of that period of writer’s life.
• The Fine Arts Museum of Omsk possesses a rich collection of more than 16,000 pieces of art including pictures of European and Russian artists and some beautiful golden decorations excavated by archaeologists in the Omsk region.
• The Local Lore Museum presents interesting collection of the typical for the region fauna and flora samples.
• The Siberian Antiquity Museum exhibits the best works of local craftsmen.

The Top 12 Things to Do in Omsk

Feel the love in the very heart of Russia

In Russia, all roads lead to Moscow , on account of the city's status as the national capital and its importance throughout history. If geography were the deciding factor, however, the Siberian city of Omsk would be the point where all Russia's roads converge—it's located literally in the heart of the country, approximately as far from Vladivostok as it is from the Belarusian border. Omsk boasts a spate of exciting attractions, even if you simply make a stop here as you ride the Trans-Siberian Railway eastward or westward.

Marvel at Assumption Cathedral

Chelsea Hicks/Flickr/CC BY 2.0

Orthodox architecture never gets old, even if you've been traveling in Russia for a long time. This is particularly the case when it comes to the Assumption Cathedral of Omsk, whose gold-and-turquoise domes look resplendent under the blue skies that bless Omsk during the warmer months of the year. The cathedral was built in 1891 under the orders Nicholas, the last Tsar of Russia.

Time Travel at Omsk Fortress

Ogg-omsk/Wikimedia Commons/CC BY-SA 3.0

The bad news? Much of what was once Omsk Fortress is now a residential area, with the only notable landmark that still stands being Tobolsk Gate (think Paris' Arc de Triomphe , but yellow and smaller). The good news? There's essentially no reason for a military fortification to exist in today's peaceful Omsk, which means you can stroll amid parks and cafés and imagine the area being war-torn—a small sacrifice to make in exchange for not being blown to bits.

Go Green at Ptich'ya Gavan'

Forinrap/Wikimedia Commons/CC BY-SA 4.0 

Or white, as it were: Omsk is covered with snow several months of the year, which means that its prized Ptich'ya Gavan' central park is often more of a winter wonderland than the green reprieve you experience in summer. The park is popular with local families, to whom you can say "Privet" (Hello) as you walk past.

Walk on Omsk's Artsy Side

G0rn/Wikimedia Commons/CC BY 3.0

Although the building that houses Omsk District Museum of Visual Arts is unmistakably Russian, the collection you find inside is surprisingly eclectic for a city deep in Russia's interior. Recent collections have included a revival of Van Gogh's great works, among others. This is a particularly enjoyable Omsk attraction on cold winter days, when temperatures can drop far below freezing and sunshine can be rare.

Shoot for the Moon

Worldwide Planetarium Database

Though Omsk is a relatively large city, the skies over it become dark enough in the evening for stargazing. While visitors are not permitted to use the expensive telescopes housed inside, exhibits inside the museum provide a fascinating look into the cosmos, narrated by expert astronomical guides.

Shop on Lenin Street

yykkaa/Getty Images

Lenin Street's name is appropriate: Although it's the high street of a city thousands of miles from Moscow, the European-style architecture and cosmopolitan vibe you feel as you stroll past its boutique and cafés evokes the capital of Russia more than its forlorn interior. Local specialties you can purchase here include rustic jams made from local berries (and even, in some shops, cedar cones), as well as handmade rugs from Kazakhstan, which sits just south of Omsk.

Sample Siberian Cuisine

Quynh Anh Nguyen/Getty Images 

Speaking of unique Siberian food, it's not just preserves made from the fruits of evergreen trees. Omsk is a great place to discover the flavors of Russia's wild interior, whether you eat zagutai and stroganini (Siberia's take on sushi) or classic Russian plmeni dumplings filled with decidedly Siberian ingredients, such as bear and rabbit meat. Vkusno ! (That's Russian for "delicious"!)

Enjoy Historical Houses—While You Still Can

Simon Richmond/Getty Images

The wooden houses that line Nikolskiy Prospekt aren't protected, but they should be. Historical structures that are unfortunately in a state of disrepair, these houses are slated for demolition at some unspecific point in the future. Be sure to catch a glimpse of these historical house before they're gone. There will, however, be at least one left standing for a long time. The Omsk State Art Museum is in a traditional wooden house.

Go to the Circus

Vladislav Domnich/Getty Images

Omsk State Circus is a popular spot for local families, whose children love the opportunity to see acrobatic performances and animals that wouldn't otherwise make appearance in Siberia. If you do attend a show here, keep in mind that ethics with regard to animal treatment might not match up with those in North America or Western Europe, to say nothing of the smell that can pervade the auditorium during and even after a show.

Be a Drama Queen

While there's no guarantee that any shows will be playing at Omsk Drama Theater at the time of your trip, a visit to this 19th century building is a spectacle in and of itself. While not as huge, say, as Moscow's Bolshoi Theatre, it's nonetheless an ornate architectural wonder that hearkens back to a glorious time in history. The interior of the theater is even open during the daytime; ask the person who's inside if any tours are available when you turn up.

Explore Cities Deeper in Siberia

Tuul & Bruno Morandi/Getty Images

Siberia starts in Omsk, even if you can't continue far into it. If you don't plan to travel on the Trans-Siberian Railway, take one of two day trips from Omsk. Travel to Tobolsk, whose hilltop Kremlin is one of the most picturesque in all of Russia, and whose beauty inspired a photo by Russian Prime Minister Dmitry Medvedev that ended up winning several awards. Or visit Tomsk, where you'll find a botanical garden dedicated to Siberian flora, and a museum that celebrates wooden architecture.

Ride the Trans-Siberian Railway

 lvinst/Getty Images

The idea of leaving Omsk behind can seem difficult, especially now that you've gotten to know this city in the heart of Siberia as well as you have. The mint-colored facade of Omsk Railway Station will make you smile, however, even if you're crying inside as you depart. Though it's not quite on the mid-line of the Trans-Siberian route between Moscow and Beijing , Omsk is a worthy starting place to begin a journey to either. If you head east make sure to stop in Irkutsk , the home of Lake Baikal and another underrated Siberian city.

Moscow - Russian Rivers and Waterways Port of Call

10 Must-Visit Palaces and Castles in Russia

Top 12 Things to Do in Irkutsk

25 Best Things to Do in Moscow

The Top 18 Things to Do in Vladivostok, Russia

Major Cities in Eastern Europe

St. Petersburg, Russia

The Top 15 Places to Visit in Russia

The Top 10 Things to Do in Tver, Russia

The Top 12 Things to Do in Novgorod, Russia

9 Things to See in Moscow's Red Square

8 Scandinavian Cruises for Any Time Frame

20 Best Things to Do in Dublin

Top 12 Things to Do in Kazan, Russia

The Top 23 Things to Do in Munich

• 91989-88884 / 91187-16840
• [email protected]

Omsk State Medical University

Students can apply for MBBS admission in Omsk online by submitting the necessary documents’ scans. The MBBS eligibility in Omsk is 50% marks & NEET qualification as per the latest NMC rules. There is 1 academic session for MBBS in Omsk State Medical University in whole year i.e. September session.

• University Type : Government
• Recognitions : WHO, NMC (Earlier MCI)
• Duration : 6 Years (Including Internship)
• Medium of Instruction : English
• Entrance Exam : Yes (Online Mode)
• Ranking : Top 15 (In Russia)
• Total Students : 6,000+
• Indian Students : 250+
• Education Level : Undergraduate & Postgraduate
• Departments : Medical, Dentistry, Pediatric, Pharmacy & Preventive Medicine

MBBS Fees in Omsk State Medical University – 2024

The MBBS fees in Omsk State Medical University is 14,28,000 Rupees including tuition fee & hostel accommodation. The detailed MBBS fee structure in Omsk in 2024 session is given below :

* 1st year MBBS fees in Omsk includes registration, overhead expenses & misc. expenses.

Second, students can transfer the 1st year fee online through bank directly to university/representative’s account in Russia and provide transaction receipt for confirmation. The online fee transfer must be done before departure from India & it is allowed/accepted by selected medical universities in Russia.

MBBS Admission in Omsk State Medical University

Students can apply for MBBS admission in Omsk State Medical University through a simple step-by-step process as shown below :

• Student submits scans of 10th, 12th marksheets and NEET qualification (2024/2023/2022).
• University issues admission letter confirming MBBS admission in Omsk State Medical University.
• Student submits the scans of valid passport for issuance of invitation letter from university.
• OSMU (Omsk) issues invitation letter for study visa formalities in India & student’s entry to Russia.
• Student submits original marksheets, passport & few additional documents for visa from embassy.
• We assist them in currency exchange for payment on arrival or online fees transfer from India.
• We assist them in ticket booking and plan their departure in groups , so that they travel together.
• Our representative meets the students at airport and briefs about their trip from Delhi to Russia .
• Our representatives receives the group at airport in Omsk and provides them transport to hostel .
• All formalities of medical checkup, visa extension, etc. are completed by our representative in Russia.

Official Partner of Omsk State Medical University

MBBS Eligibility in Omsk State Medical University

The MBBS eligibility in Omsk State Medical University follows the NMC guidelines for admission of Indian students and is as mentioned below :

• 50% Marks : Students from general category must have 50% marks (PCB) in 12th/Inter/Equivalent, while reserved category candidates must have 40% marks in the same.
• NEET Qualification : The student must have qualified NEET exam in current year or any of the previous 2 years i.e. NEET must be qualified in either in 2024/2023/2022 .
• Age : The student must be of complete full 17 years (By 31st December) in the year of application to comply with the MBBS eligibility in Omsk State Medical University.

WHO/NMC Recognition of Omsk State Medical University

Omsk State Medical University is recognized by NMC & WHO , as it is included in the list of recognized universities on WDOMS and follows the latest NMC  guidelines. This clears some major doubts for all students as given below :

• According to NMC’s current rules, students should pursue MBBS from medical universities listed on WDOMS and have minimum course duration of 4.5 years (54 months) & internship/clinical rotation of 1 year (12 months).
• Indian students who take MBBS admission in Omsk State Medical University can appear in the FMGE/NExT in India. After passing this test, they can work as a registered medical practitioner in India (Either in government & private sector).
• Indian students in OSMU (Omsk) can also appear in post-graduation entrance exam of other countries, as the university is included in the list of recognized/approved institutions published by WHO on WDOMS.

Benefits of MBBS in Omsk State Medical University

The most important benefits of studying MBBS in Omsk State Medical University for Indian students are as mentioned below :

• OSMU (Omsk) ranks among top 25 higher education medical institutions in the whole Russian Federation.
• It has  recognition  from  NMC  as well as  WHO , so the medical degree from Omsk is valid in whole world.
• Being a  103 years old university of Russia, Omsk receives a very good number of admissions from India.
• OSMU (Omsk) has been teaching MBBS in English medium to international students for more than 5 years.
• The total MBBS fees in Omsk State Medical University is one of the lowest  among all universities in Russia.
• The MBBS eligibility in Omsk of 50% marks & NEET qualification makes it very easy to get admission.
• MBBS admission in Omsk State Medical University is simple and students can apply online by following a simple process.
• The total duration of MBBS in OSMU (Omsk) is “6” years which follows NMC rules of 54 months course & 12 months internship .
• The faculty of medicine at Omsk has immense experience in teaching general medicine to Indians in English medium .
• Students get ample exposure to clinical & practical sessions by interacting with local patients in hospitals under doctor’s supervision.
• Indian mess facility is available in hostel premises, so students do not have to waste time in preparing food themselves.
• By the time students complete their medical course, they have full command over another foreign language i.e. Russian.

Documents Required

The documents required for MBBS admission in Omsk State Medical University are :

• 10th & 12th/Inter Marksheet
• NEET Qualification (2024/2023/2022)
• Original Passport
• Covid-19 Vaccination Certificate
• Passport Size Photos

Duration of Course

The total duration of MBBS course in Omsk State Medical University is 6 years (5 years 8 months exactly) for Indian students. It includes internship/clinical rotation also, which is compulsory for working as medical practitioner in Russia or any other country. This entire MBBS course duration fully complies with the latest NMC rules , which require Indian students to pursue 4.5 years course (54 months) + 1 year internship (12 months).

Medium of Instruction

The medium of instruction in Omsk State Medical University for all Indian students is English . All the classes, tests & exams are conducted in English by highly experienced teachers/professors/doctors for foreigners. All medical books by Indian writers are also available in university library and teachers often take references from them during classes. These help the students to prepare for their FMGE/NExT in India during their course of medical education.

Most of the international students apply for admission in faculty of general medicine which receives the most number of applications among all faculties. Students also have the option to enroll in preparatory/language courses, if they wish to study in local language (Russian). The active faculties at Omsk State Medical University that provide training to local & foreign students are :

• Faculty of Medicine
• Faculty of Pediatrics
• Dentistry Faculty
• Faculty of Pharmacy
• Faculty of Preventive Medicine
• Faculty of Post-graduate Specialization
• Preparatory/Language Faculty

Classes & Practical

During the first 2 years of MBBS course in Omsk State Medical University, more emphasis is given to theoretical subjects. Students attend all of their classes within university campus. From 3rd year onwards, they have to visit hospitals in city and interact with local patients. By this time, Indian students become fluent in local language & do not face any problems in understanding local patients. This makes it easier for them to report back to their teachers/doctors in English who evaluate their performance. The time students spend in hospitals for clinical/practical classes increases with every further year.

Hostel Facilities

The hostels for Indian students in Omsk State Medical University are situated in the campus & nearby areas. A brief overview of the facilities at hostels is as below :

• Located within the main campus & students attend their classes in university at a walking distance from hostels.
• Indian students have to travel out of campus from 3rd year, when they have to attend classes in various hospitals.
• All the hostels has CCTV surveillance system & fire alarm safety system installed for the safety of foreigners.
• Students can choose 2/3/4 seater rooms which have study tables & chairs, beds, bed-sheets, wardrobe, lamps, etc.
• They can also submit application to hostel administration, if they wish to the change their room or upgrade it.
• Indian students (boys/girls) are provided accommodation on separate hostels/floors  with complete separation.
• The hostels have common facilities of kitchens, laundry, sports hall & reading hall within their premises on each floor.
• It is not compulsory to stay in hostel during the first year of their MBBS in Omsk State Medical University.
• From 2nd year onwards, they can choose to rent a flat/apartment (If they wish to) or continue to stay in university hostel.
• All Indian festivals like Diwali, Holi & Eid are celebrated among Indians with enthusiasm and joy every year.
• Annual sports (Mostly Cricket) and cultural events are organized by OSMU (Omsk) for Indian students.

Career Opportunities

• Students are awarded MD (Physician) in OSMU (Omsk), equivalent to the MBBS degree in India.
• All Indian graduates must appear and qualify FMGE/NExT , if they wish to work as a doctor.
• FMGE/NeXT exam is organized twice every year in the months of June & December.
• This is a qualifying exam, conducted in online mode and they must score 50% marks in it.
• There is no limit to the number of attempts and they can re-appear in this exam after every 6 months.
• Once qualified, they must serve 1 year internship in any government hospital from any part of India.
• They get permanent registration (As a doctor) in India, after they complete their internship.
• Doctors can then work in government/private hospitals or run their own clinics  or appear in NEET PG .
• Doctors, who want to pursue PG in English speaking countries can also appear in USMLE, PLAB, NZREX , etc.

Omsk International Airport is located 5 kms. south of the city center and students from India reach Omsk directly (via Moscow) without having to travel by road or railway. Trams, trolley buses, vans, taxis, etc. are easily available for transport within the city. Some of the major tourist attractions in city are Omsk Drama Theatre, Cathedral of Virgin Mary, Lyuba Statue, Love Statue, Batushky Mansion and many more.

Omsk is home to more than 18 higher education institutions and Omsk State Medical University is one of them. Most of the Indian students who travel here have the sole motive of studying MBBS in Omsk. The city witnesses humid continental climate with huge swings in weather. The summers are moderate (Ranging from +25 to +38 degrees Celsius) while the winters can be extreme at times (Ranging from 0 to -30 degrees Celsius).

Omsk Gallery

FAQ’s (Frequently Asked Questions)

What is the mbbs fees in omsk state medical university .

The total MBBS fees in Omsk State Medical University is 14,28,000 Rupees for 6 years course including tuition fees, hostel accommodation & medical insurance.

How to apply for MBBS in Omsk State Medical University ?

Students can apply for MBBS in Omsk State Medical University by sending 12th marksheet, NEET result & passport scans online or visit any of our offices.

How to get MBBS admission in Omsk State Medical University ?

The process of MBBS admission in Omsk State Medical University requires documents submission, an online test, medical reports, visa stamping & then departure to Russia.

What is the MBBS eligibility in Omsk State Medical University ?

The MBBS eligibility in Omsk State Medical University for Indian students is 50% marks in 12th/Inter, NEET qualification (2024/2023/2022) & min. 17 years age.

Is Omsk State Medical University recognized by WHO & NMC ?

Yes. Omsk State Medical University is recognized & approved by WHO (World Health Organization) and is listed on WDOMS (World Directory of Medical Schools) portal.

What are the benefits of MBBS in Omsk State Medical University ?

The main benefits of studying MBBS in Omsk State Medical University are it’s very low fees, high ranking, affordable living cost & a good number of Indian students.

Related Universities :

• Izhevsk State Medical Academy
• Kazan State Medical University
• Crimea Federal University
• Siberian State Medical University
• Bashkir State Medical University
• Kazan Federal University
• Kursk State Medical University
• South Ural State Medical University