honey travel insurance

The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

Honeymoon Travel Insurance: A Guide to Protecting Your Trip

Posted In: Honeymoon Planning

By Jim Campbell | Updated on February 7, 2024

Planning a honeymoon is an exciting phase for any couple. Amidst selecting the perfect destination, booking flights, and reserving accommodations, it’s crucial not to overlook one key aspect: honeymoon travel insurance. This article delves into why honeymoon travel insurance is essential, what it covers, and how to choose the best policy for your romantic getaway.

Choosing the right travel insurance for your honeymoon is crucial, and TravelInsurance.com offers an exceptionally user-friendly platform for comparing quotes. This site stands out because it aggregates policies from numerous top-rated insurance providers, enabling you to quickly view and compare a wide range of options side-by-side. This comprehensive comparison not only saves time but also helps ensure that you find a policy that best matches your specific needs and budget. With features like easy-to-understand breakdowns of coverage details and customer reviews, TravelInsurance.com simplifies the decision-making process. Furthermore, their user-friendly interface and secure online purchase process mean that you can select and buy your ideal travel insurance policy with confidence and ease, ensuring your honeymoon is safeguarded against unforeseen events.

Why Honeymoon Travel Insurance is Essential

Peace of mind on your special trip.

Honeymoons are meant to be blissful and stress-free. However, unforeseen events like flight cancellations, medical emergencies, or lost luggage can quickly turn your dream vacation into a nightmare. Honeymoon travel insurance provides a safety net, ensuring you’re not left stranded or out of pocket due to unexpected circumstances.

Protecting Your Investment

Weddings and honeymoons are significant investments. With travel insurance, you protect this investment. If you need to cancel or cut your trip short due to emergencies, a good policy can cover non-refundable costs, allowing you to plan a redo without financial strain.

What Does Honeymoon Travel Insurance Cover?

Trip cancellation and interruption.

This covers you if you need to cancel or interrupt your trip due to unforeseen events like illness, injury, or other emergencies.

Medical Emergencies

Overseas medical treatment can be costly. Travel insurance covers medical expenses, ensuring you get the care you need without a hefty bill.

Lost or Stolen Luggage

Losing your belongings is distressing, especially on a honeymoon. Travel insurance can reimburse you for lost, stolen, or damaged luggage.

Travel Delays and Missed Connections

Delays can disrupt your plans. Insurance can cover additional accommodation costs and rearrange travel plans.

Choosing the Right Honeymoon Travel Insurance

Assess your needs.

Consider the nature of your trip. Are you going on a cruise, a remote island, or a city break? Different trips require different coverages.

Read the Fine Print

Understand what is and isn’t covered. Some policies may not cover extreme sports or pre-existing medical conditions.

Compare Quotes

Get quotes from multiple insurers to find the best coverage at the most reasonable price. Look beyond price; consider coverage limits, deductibles, and customer reviews.

Consider a Combined Policy

If you already have wedding insurance, some providers might offer a combined policy for both the wedding and honeymoon, potentially saving you money.

Honeymoon travel insurance is an essential aspect of planning your romantic getaway. It offers peace of mind, financial protection, and ensures that unexpected events don’t dampen the most special trip of your life. By choosing the right policy, you can focus on making unforgettable memories with your partner.

Honeymoon Travel Insurance FAQs

Absolutely. While no one anticipates mishaps during their honeymoon, travel insurance provides a layer of protection against unforeseen events. It covers losses due to trip cancellations, medical emergencies, lost luggage, and other unexpected occurrences, ensuring that you’re safeguarded financially and can enjoy your honeymoon with peace of mind.

While the basic premise is similar, honeymoon travel insurance may offer additional coverages tailored for couples. This could include enhanced trip interruption coverage or special provisions for activities typically enjoyed on honeymoons.

It’s best to purchase travel insurance soon after booking your trip. This ensures that you’re covered for any cancellations or changes that might occur from the time of booking until your departure.

Yes, but you need to make sure your policy covers specific activities you’re planning, like scuba diving, hiking, or skiing. Some insurers offer customizable policies that allow you to add coverage for adventure sports.

This depends on the policy. Some travel insurance policies cover pre-existing conditions if you purchase the insurance within a certain period after making your initial trip deposit. Always disclose any pre-existing conditions when purchasing your policy to understand your coverage.

Research and compare different providers. We recommend using TravelInsurance.com. Look at customer reviews, the ease of making claims, and the clarity of their policy information. Price is important, but it shouldn’t be the only factor in your decision.

Typically, you’ll need documentation related to your claim, such as medical records for medical claims, police reports for theft, or communication from airlines for trip delays. Always keep detailed records and receipts during your trip.

Some policies offer ‘Cancel For Any Reason’ (CFAR) coverage, which allows you to cancel your trip for reasons not typically covered under standard cancellation policies. This coverage is usually an add-on and might cost more.

The cost varies based on factors like the length of your trip, your destination, the total cost of your trip, and the coverage you choose. Generally, travel insurance costs between 4% to 10% of your total trip cost.

About The Author

Jim Campbell

Jim is the owner of Honeymoons.com. A lifelong traveler, Jim's wanderlust has led him to spend months living on the Mayan Rivera, instruct SCUBA diving in Croatia, sail from San Diego to Hawaii, and cruise the Caribbean on a catamaran. Jim launched his honeymoon business while planning his own honeymoon in 2019. Since then, he has helped thousands of honeymooners plan their trips through his honeymoon travel agency .

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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] .

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Honey is smarter home insurance helping you prevent avoidable accidents. Rather than waiting for things to go wrong, we actively try and protect your home, with smart home sensors, from many of the common mishaps that lead to claims, like fire, theft and water damage. It’s an entirely new – and we like to think smarter – way of keeping your home and contents safer. We also use our smarts to take the guesstimating out of choosing your coverage – and to insure you in three minutes flat.

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Honey is Australia’s smart home insurance for the modern-day homeowner, renter or landlord, on a mission to eliminate the majority of avoidable accidents that happen in the home. We do this through a re-imagined approach to home insurance that lets customers easily sign-up with the right level of cover by using satellite and third party data, and then provide customers with smart home technology to help protect their homes.

What kind of products does Honey offer?

We protect you financially if something happens to your home or precious things. We offer three types of coverage with policy options to suit your needs:

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For your primary residence - the place you live in and call home - we provide:

• Home cover - the building itself, as well as attached fixtures and fittings.
• Contents cover – your furniture, electrical appliances and personal belongings in the home, and as well as optionally some items you take outside your home.
• Combined Home and Contents cover – both of the above combined in one policy.

Renters Insurance

Where you are living in a home that you rent from someone else we provide:

• Contents cover – your furniture, electrical appliances and personal belongings in the home, as well as optionally some items you take outside your home.

Landlord Insurance  

For an investment property you are renting out and not living in we provide:

• Building cover – the building itself, as well as attached fixtures and fittings.
• Contents cover – items owned by you left at the property for the tenants use such as furniture, blinds, curtains and carpets. 
• Combined Building and Contents cover – both of the above combined in one policy.

Who is Honey backed by?

We’re backed and underwritten by RACQ Insurance – one of Australia’s most trusted brands, and  supported by industry leaders such as AGL, Metricon, Mirvac and PEXA who invested in Honey.

Where can I access your Product Development and Sales Policy?

This is maintained by our underwriter, RACQ, and is available on their website  here .

Where is Honey available?

From Brisbane to Bonnie Doon, Rottnest Island to the Red Centre, if you live anywhere in Australia, we’re available.

How do I contact Honey?

You can chat with our team by calling 137 137 between 8 am and 7 pm, Monday to Friday (Sydney time). Or, if you prefer, you can also email us at [email protected] . If your enquiry is urgent, it’s better to call. Email responses can take up to one business day.

How do I join Honey?

You can sign up for your quote, in 3 minutes right here .

How can I retrieve my quote?

When you get a quote, you have the option to send yourself a copy by email or SMS. And if you’ve provided us with your email address, we’ll automatically send through a copy as well. Use the links in either of these to retrieve your quote.

Will my application for insurance be accepted?

Sometimes we’ll need to chat with you before providing a quote or coverage. Leave it to us to get in touch in these cases, and we’ll simply ask a few more questions about you and your insurance needs. In the unlikely situation that we are not able to offer you any coverage at all, our team will be happy to discuss the details of the situation.

What should I do with my policy documents?

Within an hour of signing up, you’ll receive four important documents to your email:

• Your Certificate of Insurance
• Product Disclosure Statement (PDS)
• Any applicable Supplementary PDS
• Key Facts Sheet (KFS)

These documents tell you what you are and are not covered for, your excesses, limits and more. If there’s anything in your documents that you don’t understand or seems a bit off, call us on 137 137 . Once you’re good, pop your documents somewhere safe in case you need to refer back to them or make a claim.

Is there a cooling-off period?

You have a 21-day cooling-off period starting from the date and time we issue your policy or midnight on your renewal date. As long as you haven’t made a claim, you can cancel your policy within this time, and we’ll refund your premium in full.

How do I get replacement documents?

Your documents are always available online. You can get hold of them by logging into your account . You can also call us on 137 137 , and our team can email or post new copies to you. For the Product Disclosure Statement and other general documentation, you’re able to download them directly from our site.

How do I get a Certificate of Currency?

When you take out a policy we send you your Certificate of Insurance. However sometimes your bank or another institution will require a Certificate of Currency. Certificates of Currency are available online. You can access yours by logging into your account . You can also call us on 137 137 , and our team can email or post a copy to you. We can also send a Certificate of Currency directly to your financier. Have their details ready when you chat with us.

What is a cover note and do you offer them?

A cover note is a temporary document issued by an insurance company that provides proof of insurance coverage until a final insurance policy can be issued. A cover note is different from a certificate of insurance or an insurance policy document.

We don’t offer cover notes for Home, Contents or Landlord Insurance.

How often do I pay my premiums?

You can choose to pay annually or by the month, whatever suits you, at no extra charge.

How can I pay for my policy?

We debit your annual or monthly premium from a credit card or bank account. 

For annual payments, you can select the date of your first payment, as long as it’s up to 30 days after your policy activation date. 

For monthly payments, you choose the day of the month for the first and subsequent payments to be made.

What happens if my payment date falls on a weekend or public holiday?

If your nominated date falls on a non-business day, your payment will be taken out on the next business day.

Can I change my level of cover whenever I want?

We know life can be unpredictable, so we give you the flexibility to make changes to your cover during the policy period. If you want to request a change, call us as soon as you can on 137 137 . Changes are only effective from the time you notify us.

How do I update my direct debit details?

Give us a call on 137 137 , and our team will sort it out for you.

What should I do if I move house?

Moving can be a real headache, so we’ve made updating your insurance to a new home as simple and smart as possible. Before you move, give us a call on 137 137 to chat through all the details. We’ll need to know things like:

• The date you are moving
• Where you are moving to
• Details of your new home

Premiums are calculated based on where you live, so your new home might have a different premium than your old place.

Can I update my policy online?

Yes. You can log in to your account and update some details about your policy at honeyinsurance.com/my-account/

How do claims work?

Claiming is simple, sweet and smart. There are a few ways you can claim – both online and on the phone. For all the details, check out our Claims page. Whatever the issue, our team has your back.

How do I make a claim?

Our claims team is here for you, all day, every day. If you need to make a claim, you can lodge it online or speak with our team on 137 138 . We’re available 24/7/365. If you’re in an emergency and your home is damaged or under threat of damage, call the SES on 132 500 .

For more details, check out our Claims page.

What information do I need to make a claim?

To help us process your claim as quickly as possible, please have the following info handy when lodging your claim online or on the phone:

• Your policy number (it’s the number in your online reference or policy documents)
• The date and details of the incident
• A Police Report number for lost or stolen items
• Details of any damaged property or items that have been lost or stolen
• Proof of ownership of any damaged or stolen property (e.g. receipts, invoices or photographs)
• A damage report and quote for repairs of the damage
• Samples of damaged items such as carpet, blinds or rugs (only if it’s safe to get them)
• Contact details of any witnesses or other people involved
• Your paid invoices
• Photos of any damaged contents that are creating a health hazard

Your Certificate of Insurance has all the details of what you’re entitled to claim.

How do I contact Honey about an existing claim?

Our team gets in touch every 20 business days – at a minimum – to update you on the progress of your claim. If you need to chat about anything in the meantime, we’re here for you. Just give us a call on 137 138 .

Why do you need my receipts or proof of purchase?

These documents help us validate your claim and make sure we have all the info needed to process things quickly. If you can’t find your documents for some reason, we’ll work with you to find a way to keep your claim progressing and get everything finalised.

Who will manage my insurance claim?

Claims handling and settling services are provided by RACQ. To view the RACQ Claims Philosophy please click here .

For more information about the claims process please visit the RACQ Claims Website .

What is the Cyclone Reinsurance Pool?

The Cyclone Reinsurance Pool, developed by the Australian Reinsurance Pool Corporation (ARPC) allows Honey to help lower the cost of premiums for customers who live in areas where cyclones are common, such as North Queensland. The pool aims to make the cost of insurance more affordable for homes that have a high or medium risk of being affected by cyclones and cyclone-related flooding, and have relevant cyclone protection measures in place.

Isn’t cyclone cover already included in my policy?

Yes, Honey covers loss or damage to your home or contents caused by a storm, including cyclone. However, if you live in a cyclone-prone area, then you could be eligible for a lower premium under the Cyclone Reinsurance Pool.

How does the Cyclone Reinsurance Pool affect my insurance premium?

You could receive a reduction on your insurance premium if your home has had cyclone-grade resilience improvements or renovations made to it.

How does it affect my cover?

There won’t be any changes to what your policy covers.

Will the claims process change in the event of a cyclone?

There will be no change to how Honey customers will make a claim. The Honey claims team is here to support you through the same process as always.

Who is eligible to receive a lower premium?

New and renewing policies starting from 28th November 2023 in cyclone-impacted areas of Australia could be eligible for a lower premium if those customers:

• Hold a Honey Home Insurance policy
• Are located in an eligible postcode, such as coastal areas north of the Tropic of Capricorn
• Have eligible cyclone-grade protection measures

Can I still get a lower premium if I install cyclone protection at a later date?

If you have an existing and eligible Honey policy and your policy started or renewed from 28 November 2023, we can review your premium if eligible cyclone-grade protection measures are installed. Simply call our friendly team on 137 137 .

Are any of my personal details sold or disclosed to any third parties?

We comply with our obligations under Australian Privacy Law. Our Privacy Statement explains how we treat your personal information. This info is also detailed in our Product Disclosure Statement .

Are my bank and credit card details protected?

We take the collection and privacy of your details very seriously. All your financial details remain encrypted and secure once entered into our system. Our Privacy Statement explains how we treat your personal information.

How do I make a complaint?

We understand that sometimes we may not always meet your expectations and you may have a complaint. If this happens, we treat this seriously and have a process to deal with your complaint.

Making a complaint is a 3-step process

• Step 1: Talk to us by either calling on  137 137  or sending an email to  [email protected] . We aim to acknowledge all complaints within 24 hours.
• Step 2: If you’re not happy with our response to your complaint, you can refer your complaint to our Internal Dispute Resolution Committee. 
• Step 3: If you’re not happy with how our Internal Dispute Resolution Committee decides to resolve your complaint, you can refer it to the Australian Financial Complaints Authority [AFCA]. 

This is just a summary. The full details of our complaints and feedback process can be found here .

Insurance Fundamentals

What’s a premium.

A premium is the amount you pay to get insurance cover. It is the cost of your insurance policy.

How is my premium calculated?

Your premium is based on a number of things, including:

• What you choose to insure and how much you choose to insure it for
• Where your home is and risk information specific to your location (e.g., the likelihood of a flood, cyclone or bushfire, or crime rates in your suburb)
• Features specific to your home (e.g., building materials, the age of the building, and security features)
• The excess amount you have chosen
• Your claims history

In most cases, the higher the risk of loss or damage, the higher the insurance premium. The chance of loss or damage is different for everyone, so we calculate your premium based on your individual circumstances.

How can I reduce my premium?

You can reduce your premium by choosing a higher excess. Remember, though, that while your premium will be cheaper, you will have to pay a higher excess if you need to make a claim.

Where can I get general information about the insurance industry?

The Insurance Council of Australia has developed the Understanding Insurance website.  It is designed to educate you about how insurance works.

What is the Emergency Services Levy (ESL)?

The Emergency Services Levy (ESL) is an emergency services insurance contribution scheme that funds the fire and rescue emergency services in New South Wales (NSW). Insurance companies are required to contribute to the budget for these services in NSW each financial year. Insurers may reclaim this amount from their policyholders by charging an ESL in their insurance policy premium.

The Emergency Services Levy Insurance Monitor (ESL Monitor) published an Order requiring insurance companies, and those acting on their behalf, to provide a breakdown of the ESL component of the premium, as well as year on year premium comparisons. These disclosure requirements are being enforced by the ESL Insurance Monitor.

Will the Emergency Services Levy increase insurance premiums?

There is no direct charge to policy premiums because of the Emergency Services Levy (ESL). But you may see an impact in the ESL contribution compared to last year. Want to know more? Check out the Revenue NSW website for information.

What’s the difference between an insurance company and a broker?

An insurance company can offer you a range of policies. You can use this information to purchase a policy from that insurance company. Brokers are professional advisors who have access to insurance policies from a range of insurance companies. They can provide you with advice on which policy is best suited to you, and they will purchase this policy from the insurance company on your behalf.

What does risk mean?

When we talk about risk, we are talking about the chances of an incident occurring that will cause damage or loss. All insurance companies calculate risk to determine a customer’s premium. It’s putting a financial value on the risk. When we assess and price risk, we are working out how much it would cost to replace and/or rebuild the insured item and the likelihood that this will occur in a period of insurance (i.e. one year).

For example, if you have a low-lying, single-story house on a waterway, your property could be considered a high flood risk. 

We know it’s not that black and white. However, while we consider many other factors, both of these scenarios could result in a higher premium or additional excess.

What is underinsurance?

This is when the amount you are insured for on your Certificate of Insurance is below what it would cost to replace or rebuild. According to the Insurance Council of Australia, your property is considered to be underinsured if your insured amount covers less than 90% of the cost to rebuild.

For example, if your home is insured for $200,000, but it will cost $300,000 to rebuild it, you may not receive enough money from your insurance company to rebuild. Our smart calculators provide you options to help you work out how much you should insure your property for.

What is over-insurance?

Over-insurance is when you insure your property for more than it is worth. This does not mean you will get the inflated value if you make a claim. In the event of a successful claim, you can be paid the replacement value of the property lost or damaged.

For example, if your home is insured for $300,000 when it only costs $200,000 to rebuild, you may only receive $200,000 from your insurance company. Our smart calculators provide you options to help you work out how much you should insure your property for.

What is reinsurance?

Insurance companies need insurance as well. It’s call reinsurance. In the event of a major catastrophe, sometimes the amount of money we pay to help customers recover from loss or damage takes a large portion out of our reserves. By insuring a percentage of those reserves, we make sure that we can recover some of the money we pay out to customers. That way, we can continue to offer you a competitive premium.

What is Homeowners Insurance, and why is it important?

Homeowners Insurance can cover you for both your home’s building and contents in the case that they need repair, rebuilding or replacement after an insured event (a fancy way of saying something happened and then you need to make a claim). This includes protection from unpredictable weather and the impacts of cyclones, floods, storms and bushfires. Homeowners Insurance also protects you against things like theft, damage and legal liability.

What am I covered for?

Honey Homeowners Insurance covers your home and/or contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .

Does Honey Insurance cover me for flooding?

We do. Our Product Disclosure Statement defines a flood as: The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:

• a lake, river, creek or other natural watercourse (whether or not it has been altered or modified)
• a reservoir, canal or dam

What am I not covered for?

For a full list of exclusions under your policy, please refer to the Product Disclosure Statement .

Am I covered immediately?

You’re covered from the date you requested your cover to start. However, if you don’t have existing insurance, we can’t cover you for fire or flood damage for 72 hours.

What is ‘new-for-old’ replacement?

We insure a new-for-old replacement on your belongings. This means that your covered possessions will be replaced with brand new items should something happen to them.

How much should I insure my home for?

While we aren’t able to provide you with advice on the replacement costs of your home or how much to insure it for, we use the information you give us and data sourced from third parties to recommend an amount of cover you should have. You should use this recommendation as a guide.

When considering how much you should insure your home for – often referred to as the sum insured – you should include: the full cost to rebuild your home, including the cost of structural improvements on the property. However, don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees. You should also consider increased building costs to meet any relevant local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.

We recommend that you use a home building calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote.

How much should I insure my contents for?

We aren’t able to provide you with advice on the replacement costs of your contents or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to recommend an amount of cover you should have. You should use this recommendation as a guide.

Your contents sum insured should include items such as fixtures and fittings (e.g. carpet, blinds, curtains), furniture, electrical goods, and all personal items. Items of value that you want to list on your Certificate of Insurance – such as jewellery, media or artworks – should also be included in the overall sum insured.

We recommend that you use a contents calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote.

My contents aren’t worth that much. What is the point in having insurance cover?

Think about the items you wouldn’t be able to resume a regular day without, if these items had been stolen or damaged. What’s a home office without your laptop, your living room without your TV, or your shower without running water?

Another way of thinking about this is to consider the cost of replacing all of your items, rather than just their current value. In the event of a claim, and if you need to replace all your items, you may not have the money available to do so. This is why it’s recommended to have contents insurance.

Why do I need to list certain individual items on my policy?

Certain individual items such as valuables, collectibles and media have limits on how much they can be covered for. Details of this can be found in our Product Disclosure Statement . If you would like to be covered for the full replacement value of an item, let us know, and we’ll list it on your policy. You may need to provide proof of each item’s value at the time of a claim, so we recommend keeping receipts, valuations or proof of purchase.

What happens if I don’t list my valuables and they are stolen?

There are limits to how much some types of items can be covered for. If they’re not listed on your policy for the full value, they may be subject to the limits stated in our Product Disclosure Statement (PDS). Please check out the PDS for items that need to be listed, as well as the standard limits that apply.

If you need to make changes or list additional items under your policy, call us on 137 137 . Our team will sort it out quick smart.

Why has my home and contents sum insured increased on my renewal documents?

Each year when your policy renews, we automatically increase the amount you are insured for to keep your cover in line with the rate of inflation. In addition to this adjustment, you may also want to consider the value of any new contents or improvements to your home. If you need to make changes or list additional items, call us on 137 137 . Our team is on hand to help you out.

Can I get building insurance if my home is under strata title?

Normally, we can’t insure homes under strata title. They’re insured under a body corporate. There are a few instances where we can offer building insurance for strata title properties. We may also be able to offer contents insurance to cover any fittings and fixtures that aren’t covered as part of the strata insurance. If you are unsure, give us a buzz on 137 137 . Our team will be happy to chat things through with you.

What is strata title?

Strata title is a title based on dividing the site into lots with separate titles. The most common application of strata title is for units, but it is also used for complexes with a number of duplexes and villas.

What is the Advanced Cover option, and what does it cover?

Advanced Cover is available on home and contents insurance policies. It provides cover for both Accidental Damage and Motor Burnout.

What does Accidental Damage cover?

Though we do our best to protect you from accidents, we know they’re still going to happen. Accidental Damage cover protects you in the event that you accidentally damage your home or contents.

For example, if you are moving furniture around the house and damage your wall, or if you spill a drink that damages your carpet, you could be protected under the Accidental Damage option. For full details of conditions and exclusions, check out our Product Disclosure Statement .

What does Motor Burnout cover?

Motor Burnout covers you for damage caused by an electrical current that results in the burnout of a household electrical motor. Examples of items that have electric motors are ducted air conditioning, pool pumps and refrigerators. For full details of conditions and exclusions, check out our Product Disclosure Statement .

What’s an excess?

An excess is the amount you are required to pay towards a claim on your policy. When you take out a policy, we apply a standard excess. On most of our policies, you can select your excess from a range of options to increase or decrease your premium. A higher excess reduces your premium and costs you more at claim time. A lower excess increases your premium but lowers your costs at claim time. The choice is entirely yours based on what’s appropriate for you.

Why do I have to pay an excess?

An excess is payable for all claims made against your policy – unless we state otherwise in the Product Disclosure Statement (PDS). Excesses on insurance policies help keep premiums down by reducing the number of small claims made. The amount and type of excess you have to pay will be shown on your policy schedule. For full conditions and exclusions relevant to your policy, check out your policy schedule or PDS.

How do I find out my Homeowners Insurance excess?

You can find your nominated excess on your home and/or contents Certificate of Insurance. That document is sent to you by email when you first take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

Can I change my excess?

You can increase your excess at any time during the policy period. You can only decrease your excess when renewing your policy or within the 21-day cooling-off period – provided you have not made a claim.

How does my excess impact the premium I pay?

An excess is the amount you contribute towards claims. This means if you’re willing to contribute more at the time of a claim – paying a higher excess – you will generally have a lower premium during the policy period.

If there’s damage to my home and contents, do I pay two excesses if I lodge a claim?

If your claim is a result of the same insured event and the damage sustained is due to the same insured event – e.g. damage to both your home and contents as a result of the same storm – then you will only need to pay one excess, whichever is the higher of the two.

Landlord Insurance

What is landlord insurance and why is it important.

Landlord Insurance can cover both the building and the contents of your investment property in the case that they need repair, rebuilding, or replacement after an insured event (a fancy way of saying something happened and then you need to make a claim). This includes protection from unpredictable weather and the impacts of cyclones, floods, storms, and bushfires. Landlord Insurance can also protect you against things like theft or damage by a tenant, lost rent, and legal liability.

What’s the difference between Landlord and Homeowners Insurance?

There are several differences between Landlord and Homeowners Insurance, the main difference being that Landlord Insurance provides protection for an investment property you are renting out and not living in, whilst Homeowners Insurance is for your primary residence – the place you live in and call home.

Homeowners Insurance covers the home and contents of the house you permanently live in (commonly called a “dwelling”), the things (contents) in your house, and your liability related to the property. It does not cover the risks that come with having a tenant living at your property, such as tenant damage and rent default, making insurance for landlords relevant to cover any property that you permanently rent out.

I already have Honey Homeowners Insurance, do I need Landlord Insurance too?

Firstly, it’s great that you have made Honey Insurance the cover for your primary residence – the place you live in and call home. Landlord Insurance should not be used to cover your primary residence, however if you have an investment property Honey Landlord Insurance could be for you. Landlord Insurance can protect your investment property from the risks that come with having a tenant living at your property. Additionally, if you’ve borrowed money to buy your investment property, your financial institution may require you to take out insurance on the property.

Do I need content insurance as a landlord?

There are a few situations where you may want to consider contents insurance as a landlord to make sure you have appropriate cover. 

For example, if your property is an apartment, townhouse or unit and is covered by insurance under a strata title that policy may not cover everything that you would like covered. For example, fixtures and fittings such as the kitchen cupboards and appliances, as well as carpets, curtains and blinds may not be covered within your strata insurance policy. A strata policy is also unlikely to provide cover for the risks associated with a tenant living in your property such as loss of rent and tenant damage. You should check this and consider a landlord content policy. 

Where your investment property is a free-standing house, look beyond the building. Whether the property is fully furnished, has a couple of big-ticket items (a refrigerator, a washing machine etc), or nothing at all but the carpet and curtains – contents insurance may be suitable for you as a landlord.

Landlord Insurance can cover your investment property building and/or contents against loss or damage as a result of insured events such as theft or vandalism, floods, fires and storms to mention a few. Landlord Insurance can include building, contents or combined building and contents cover.

Building cover provides cover for the building and structures not under strata title, outdoor items such as fixed water tanks, barbecues and solar panels, and indoor items like walls, ceilings and floors. It can also provide cover for fixtures and fittings such as carpets, curtains and blinds. Contents cover for landlords can cover things like electrical appliances, your furniture and furnishings within the property, lawn and garden equipment and unfixed swimming pools.

Landlord Insurance also provides cover for many of the specific risks that come with renting out your property to a tenant. This includes cover for accidental or malicious damage caused by the tenant, rent default and loss of rent due to the property being impacted by an insured event.

For a full list of the insured events and coverages, as well as terms, conditions and any applicable limits please refer to our Product Disclosure Statement .

We do. Our Product Disclosure Statement defines a flood as: The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following: a lake, river, creek or other natural watercourse (whether or not it has been altered or modified) a reservoir, canal or dam. Please refer to the PDS as certain conditions and exclusions apply.

​​For a full list of exclusions under your policy, please refer to the Product Disclosure Statement .

You’re covered from the date you requested your cover to start. However, if you don’t have existing insurance, we can’t cover you for flood, water runoff, bushfire, storm surge or storm damage for 72 hours.

Honey Landlord Insurance provides new-for-old replacement on your belongings. This means that your possessions will be replaced with brand new items should something happen to them. Because they wear and tear, unfortunately, carpets over 10 years old are not covered with new for old.

How much should I insure my investment property for?

We aren’t able to provide you with advice on the replacement costs of your investment property or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to suggest an amount of cover you should have. You should use this suggestion as a guide.

When considering how much you should insure your investment property for – often referred to as the sum insured – you should include the full cost to rebuild your investment property, including the cost of structural improvements on the property. But don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees for the design of your replacement home. You should also consider increased building costs to meet any relevant local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.

We recommend that you use a property building calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote. Keep in mind that policies receive 5% of the building sum insured for fixtures and fittings.

Can I get landlord building insurance if my property is under strata title?

Normally, we can’t insure the building of an investment property under strata title. They’re insured under a body corporate. We do offer contents insurance to cover any fittings and fixtures that aren’t covered as part of the strata insurance. If you are unsure, give us a call on   137 137 . Our team will be happy to chat things through with you.

Am I covered if my tenant defaults on their rent payments?

If you take out a Landlord insurance policy with Honey, when your tenant is in default, we may pay the net rental income up to 10% of your sum insured. If your building is damaged to an extent that the tenant can’t live in it, or access to use your building is not possible due to damage to the property or strata title development, we may pay for loss of rent on the insured property for the time it is unoccupied. This benefit is automatically included in your policy and subject to terms and conditions in the Product Disclosure Statement .

Am I covered if my property becomes unoccupied?

Your property can continue to be covered under a Honey Landlord policy against insured events even if it becomes unoccupied. You may be required to pay an additional excess if something happens, but you can rest easy knowing the property is covered.

We consider your rental property unoccupied if no one has been living in it for more than 60 consecutive days or if someone stays there on average for less than one night a week during the 60 day period.

Am I covered if I’m renovating?

Until the roof, floor and external walls are in place, we don’t cover loss or damage to your rental property (and building materials) or your contents caused by events detailed in the Product Disclosure Statement .

Is Landlord Insurance tax deductible?

In some cases, yes. Be sure to check with your tax adviser to find out whether you can claim a tax deduction for your Landlord Insurance costs.

If your investment property is leased as a rental property, you may be able to claim Landlord Insurance costs for your rental property for the period it was tenanted or available for rent.

Am I covered if my rental property becomes untenantable because of storm damage?

Yes. When your property is being repaired after an insured event such as flood, fire, or storm damage, and your tenant can’t live at the property our Landlord insurance policy will pay the net rental income up to 10% of your sum insured.

Am I covered without a lease agreement?

We cannot cover you without a lease agreement. You must have a rental agreement between you and the tenant, and we require that you have it managed by a licensed property manager.

Will Honey cover my holiday rental?

Right now, we are unable to cover homes rented for short-term holiday purposes (less than 3 months) with our Landlord insurance. However, you may be able to find a suitable home or contents policy for your holiday rental on the Insurance Council of Australia website, Find an Insurer .

What’s the difference between a short-term and long-term rental?

A long-term rental is a formal lease where the entire property is rented out as a residence for a minimum period of 3 months. A short-term rental (if you allow guests to accommodate your property registered with a provider like Airbnb) is where you rent the entire property to paying guests for short-term holiday purposes. This rental period under a casual let must be less than 3 months.

Can I choose my own repairer for my property repairs?

We have a specialist panel of repairers who help our customers nationally and are able to safely assess, repair or rebuild your home. As part of this process, we’ll share all information openly with you and, where you’d like to discuss an alternative action such as choosing a different repairer or being paid a fair and reasonable amount for the repairs, our Claims team will gladly support that.

Can I get smart home sensors with Landlord Insurance?

At this time, we do not offer smart home sensors with our Landlord Insurance policy. However, we’ll be sure to update all policyholders if this changes.

Does Honey offer Motor Burnout cover?

Motor Burnout is available as an optional benefit on building and contents insurance policies. By adding Motor Burnout cover you can be covered for loss or damage to the electric motors in your major electric appliances if they burn-out and stop working - provided they are less than 10 years old.

How do I find out my Landlord Insurance excess?

You can find your nominated excess on your building and/or contents Certificate of Insurance. That document is sent to you by email when you first take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

If there’s damage to my investment property building and contents, do I pay two excesses if I lodge a claim?

If your claim is a result of the same insured event and the damage sustained is due to the same insured event – e.g. damage to both the building and your contents as a result of the same storm – then you will only need to pay one excess, whichever is the higher of the two.

What is Renters Insurance, and why is it important?

Renters Insurance can cover the contents within a home, including all of your valuable belongings following an insured event. This includes protection of your contents from unpredictable weather and the impacts of cyclones, floods, storms and bushfires. Renters Insurance also protects you against things like theft, damage and legal liability.

Renters Insurance covers your contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .

• a reservoir, canal or dam.

You’re covered from the date you requested your cover to start. But if you don’t have existing insurance, we can’t cover you for fire or flood damage for 72 hours.

We insure new-for-old replacement on your belongings. This means that your possessions will be replaced with brand new items should something happen to them.

Why has my sum insured increased on my renewal documents?

What insurance should i get if i am a tenant.

We offer smart insurance for renters that’s as flexible as your living situation. Wherever you keep your stuff, we have you covered. Working from home, living with a flatmate, moving house, it’s all good. With our standard cover and extras, we can protect your precious things from things like storms, theft, and accidents – even when you take them out on the town.

Advanced Cover is available on contents insurance policies. It provides cover for both Accidental Damage and Motor Burnout.

Though we do our best to protect you from accidents, we know they’re still going to happen. Accidental Damage cover protects you in the event that you accidentally damage your contents.

For example, if you are moving furniture around the house and damage your wall, or if you spill a drink that damages your carpet, you could be protected under the Accidental Damage option. For full details of conditions and exclusions, check out our Product Disclosure Statement.

Motor Burnout covers you for damage caused by an electrical current that results in the burnout of a household electrical motor. Examples of items that have electric motors are ducted air conditioning, pool pumps and refrigerators. For full details of conditions and exclusions, check out the Product Disclosure Statement .

How do I find out my excess?

You can find your nominated excess on your contents Certificate of Insurance. That document is sent to you when you take out your policy or when your policy is renewed. If you can’t find your Certificate of Insurance, please call us on 137 137 . Our team is here to help.

How does my excess amount impact the premium I pay?

Smarter home, why does honey provide smart home devices with their home insurance policies.

At Honey we believe that protecting your home starts before an accident even occurs.

Many at-home accidents such as water leaks, fires and break-ins can be avoided by using the latest smart home technology. Avoiding these accidents can save you money and the inconvenience of needing your home fixed and contents replaced because something went wrong.

Are the sensors made by Honey?

Your smart home system has been developed by our (really) smart friends at Notion . Notion is a leading technology partner for smart property monitoring, supporting proactive maintenance, and providing value-add smart technology for their customers. Powered by multifunctional sensors and an app, the Notion System delivers notifications to a property owner — empowering proactive self-monitoring to help de-risk a property.

We’ve vetted them, and we’re not the first. But we are the first in Australia to tap into this leading partner for smart property monitoring.

Is smart home sensor data used in the processing of claims?

No smart home sensor data is used in the processing of claims. The sensors are there to help alert you to potential mishaps before they escalate. That’s the beauty of the sensors,  they’re able to let you know about door openings, water leaks, and smoke alarms, to help de-risk your home in order for you to claim less. They’re there for your safety, savings and peace of mind.

Are these sensors child and pet safe?

We’re glad you asked. Like any piece of technology the size of your palm, it’s important to secure the sensors out of reach of children and pets. On the other hand, the Notion Sensors will be able to give you peace of mind that your children and pets are safer when installed in spaces where they play or sleep.

Are my Notion Sensors tracking me and are Honey listening to my conversations?

Your sensors are smart, but they’re not that smart. Nor would we want them to be. Your smart sensors are triggered by a rise or fall in your temperature thresholds, water leaks, and doors opening or closing. Honey only looks at whether your sensors are active or inactive so you can have peace of mind, and make the most of your smart home insurance discount.

Notion also implements world-class security on their devices. This includes:

• End-to-end encryption for over-the-wire transmissions
• AES 256-bit encryption for all data transfers between the bridge and sensors (that’s the same level of security as a bank vault)
• OAuth 2.0 for client authentication (the same level of authentication that Facebook and Twitter use)
• Third-party security and penetration testing to validate systems are well-protected from attack.

Can I get sensors with my contents insurance?

Right now, sensors are only eligible for those who take out a Home & Contents or Home policy. We’ll be sure to let you know if we extend the addition of sensors to contents and landlord policies.

Will Honey offer other smart home devices?

At Honey, we’re obsessed with improving our offering and bringing you the next generation of home cover and smart safety measures. Rest assured, if we identify anything new we’ll let you know.

If I have existing smart home devices such as a smart home speaker, smart doorbell or smart camera, can these be added to increase my discount?

We like your thinking! However, at this time our discount only applies to our Notion Smart Home Sensors with the Honey Home & Contents or Home-only Insurance. We carefully selected these sensors as they can alert you to avoidable mishaps like fire, water damage and theft.

Can I buy additional Notion sensors?

Your Notion Sensor Starter Kit ships with sufficient units for the average Australian house. This includes:

• A bridge to connect to your Wi-Fi network
• 3 multi-purpose sensors which detect water leaks, opening doors or windows, and temperature changes
• 1 magnet accessory. The magnet is only needed for the use of sliding doors or windows. But don’t worry, the Notion app will notify you if you need the magnet for installation.

Interested in additional sensors for your home? We are working on securing an easy way for you to expand your coverage and will let you know when that is available.

If the Notion app alerts me to a potential issue from a sensor, what can Honey do to help me?

Honey’s got your back, especially when your Notion Sensors are alerting you on potential issues. 

We’re available 24/7/365, however, if you’re in an emergency and your home is damaged or under threat of damage, call the SES first on 132 500.

What should I do if I need my sensors delivered to a different address?

We typically deliver them to the insured property. If for some reason you think that might be a problem, please contact us and we can arrange an update here.

What should I do if I need to change the date when my sensors are shipped?

If you’re buying a new home and taking out a Honey policy and concerned your sensors might arrive too early, give us a call and we can reschedule your shipment date. We recommend you are in your home when your sensors are scheduled to arrive.

Where can I find out more information on the Notion Sensors?

In the package your sensors arrive in, you’ll find the Notion Quick Start Guide which will answer all your initial set-up questions. You can also find all the information you need on set-up, mounting and usage on the Notion Installation Guide .

The information here relates to all new policies. For customers who purchased a Honey insurance policy with sensors before 20 May 2022 you can find your details of the Smart Home Program Discount here .

If I haven’t received my sensors, am I still eligible for my Honey discount?

Sit tight, if your policy includes smart sensors you will receive a tracking number so that you’ll know when they should arrive. If you don’t receive your sensors according to the tracking, please contact Honey, by calling 137 137 or emailing [email protected] , and we’ll make sure we allow the extra time you need to get set up.

How does the smart discount work?

Once received, simply keep your sensors activated to keep the discount, year after year. If the smart home sensor kit is detected to be offline 28 days after receiving your sensors your discount will be removed for the remainder of your policy term. If you reactivate your sensors, the discount will be reapplied the next time that Honey checks your sensor status.

But don’t worry, Honey will keep you in the loop regarding if and when your sensors are active, and at what date you’ll become ineligible if your sensors remain inactive.

What happens if I don’t keep my smart home devices activated?

If we notice that your sensors are turned off or inactive, we’ll get in touch to see if there’s anything we can do to help get them going again.

How long do I have to install the sensors?

Once received, simply activate the sensors within 28 days to keep the discount, year after year. If your sensors are offline for a while you may lose the discount on your premium. In that case, simply reactivate the sensors and keep them online to start receiving your discount again and be better protected.

Wondering what happens if things don’t go to plan? Here are three scenarios to help you understand a little better how to keep your discount by installing your sensors.

Your sensors arrived on time After receiving her quote, Sarah signed up for Honey Home & Contents Insurance. 7 days after she received her policy confirmation, her Notion sensors arrived. Without hesitation, and wanting to keep her discount, Sarah was able to quickly install her system with the help of the Notion App well within the 28 day allowance. Now she knows that her home is more protected, and she keeps her policy discount.

Your sensor shipment is delayed Shyla bought Home & Contents insurance with Honey. After 7 days her Notion sensors still hadn’t arrived and she became worried, as she was running out of time to install the sensors and keep her discount. Luckily Honey provides 28 days to install the sensors from when they arrive at your home. Shyla contacted Honey to let them know she hadn’t received her sensors according to the tracking, and Honey allowed her the extra time she needed to get set up.

You didn’t install the sensors in time Diego was excited to receive his Notion sensors with his Home & Contents policy. He received his sensors on time but had so much going on that he kept putting the sensor installation at the bottom of his to-do list. Despite multiple reminders from Honey, Diego didn’t get around to installing his sensors within 28 days, and lost his discount. The next month, Diego successfully installed his sensors, and his discount was reinstated the next time that Honey checked his sensor status.

You installed the sensors but then they went offline Laurel successfully installed her sensors and had them active for 3 months. She then happened to get a new Wi-Fi router, so the bridge disconnected from the sensors. Her sensors went offline, and after 2 days Laurel was alerted by the Notion app and received offline emails from Honey. Laurel didn’t reactivate her sensors or contact Honey for help until a month later. Therefore, Laurel lost her discount for the remainder of her policy term. After she reactivated the sensors and connected her new Wi-Fi, she didn’t have any more trouble with them going offline. Her discount was then reinstated the next time that Honey checked her sensor status.

My smart home sensor kit doesn’t work?

If your kit is defective please reach out to us so that we can identify and work with you to resolve any issues. You need to notify us within 7 business days of any problems with your sensors, by calling 137 137 or emailing [email protected] . Rest assured we’ll make sure we allow the extra time you need to get set up where there is a problem that has been identified.

When do you start measuring my sensors?

We start measuring in the month after you receive your sensors, which is why we request their successful set-up within 28 days.

How do I set up my smart home monitoring system?

It’s quick and easy to set up and activate your sensors . Trust us, by far the easiest way to get set up is through the app.

You’ll also receive prompts from Honey via email.

If you identify that the smart home sensor kit is defective, you must notify Honey within 7 business days. If you still need help, call Honey on 137 137 or email Honey at [email protected] .

Do the Notion Sensors need internet connectivity?

Yes, your Notion Sensors require an internet connection through Wi-Fi. This is how the sensors are able to send you alerts to the Notion smartphone app.

Does the smart home kit need electricity?

You will need a power outlet to charge your bridge. The bridge is responsible for connecting your Wi-Fi to your Notion Sensors, and to your Notion App, so it’s imperative to power it to stay active and online. If you incur a major power outage, do let us know so that we can take that into consideration.

How do the sensors charge?

The sensors run off AAA batteries which are included when you receive them and will last approximately 1 year. When you need to replace them, we recommend Alkaline batteries as they will last longer. If it’s your first time using a Notion Sensor, try moving the bridge around in your home to a central location to help ensure all of your sensors can connect.

How do I set up my Notion system?

First thing’s first: go here for iPhone, or here for Android, to download the mobile app to your smartphone. Create your account and follow the instructions in the Notion App to set up your system.

When should I remove the adhesive tabs on the sensors?

Choose carefully. It’s important to note that you don’t remove the adhesive tab to secure the sensors down until the app tells you to. They are designed to secure firmly for ultimate reliability, and removing them takes a bit of extra time and care. This also means if you plan to move them around regularly, think twice before removing the adhesive tab and sticking them down.

Do I need to turn my Location Service on to use Notion?

For Android: Yes, the Notion app needs access to Location Services and Location Permissions to configure the Notion Bridge, but it only needs this access once during your initial setup.  

During set-up you will see a screen, prompting you to Turn on Location Services and Enable Location Permissions. Both requirements must be enabled before you can continue. Your location data will not be stored, until you enable Auto Home/Away mode.

For iOS: No, the Notion app does not require Location Permissions to configure the bridge. Notion will only store location and prompt for the correct location permissions if you choose to enable Auto Home/Away mode.

Why is my Wi-Fi network not supported by the Notion Android app?

According to Notion , if your wireless router is an older model or if it has more settings, it’s possible that it is set up to run on an old and outdated security setting known as WEP. If your router is set up for WEP security, simply go into your router’s settings and find the drop-down list of security options. Choose WPA2 and save your settings. WPA will work, however, WPA2 is more secure. 

If you have an older router that doesn’t allow for WPA2 security, you may need to upgrade to a unit that does support WPA2 to use your Notion system.  

Notion suggests these steps and technical specifications to support your Wi-Fi network:

• Check your phone settings and turn location services on.
• Confirm that your WiFi router has a 2.4 GHz band for the bridge to connect. 
• Most modern routers have a dual-band setting that broadcasts both a 2.4 GHz and a 5.0 GHz band, and the Notion bridge is only compatible with the 2.4 GHz band. 
• You may need to access your WiFi router settings to activate the 2.4 GHz band.

Where is the best place to install the bridge?

We recommend plugging in your bridge in a central location in your home or property and free from obstructions like an entertainment center, a couch, or walls.

What is the bridge range?

A single bridge can provide coverage for most single-family homes. Gen3 Notion Sensors have a range of 460 square metres (that’s roughly a large 3-storey house), however, the average home has many different sources of interference including construction and other wireless signals, so it’s best to be aware of that when placing your sensors.

In some cases, extremely large homes may present the need for an additional bridge. If after trying a few different bridge locations you can’t get things working, remember we are here to help so please contact us and we’ll work with you to get your sensors up and running.

What is the magnet accessory used for?

This is why you need the magnet accessory. Adding a sliding door or window accessory is the change that your Notion Sensor needs to detect when your sliding door or window is open or closed.

However, the accessory by itself will not alert you to any movement. It can only work in tandem with a sensor.

How do I install the magnet as an accessory?

Quick set-up

Note: You will only be able to add the magnet when you add a new sensor task from scratch, or your sensor is already set on a sliding door or sliding window.

• Your magnet needs to be within 3 inches (7cm) but no closer than 1 inch (2.5cm) from the sensor when the door/ window is closed.
• Your magnet and sensor need to be of level height, with the magnet perpendicular to the direction the sensor will move. 
• Ensure you measure the correct positioning prior to securing your sensor and magnet on your window or door.

Further information

If you are installing the magnet as an accessory with a new sensor, simply follow the standard installation process for any other Notion Sensor. When you choose a sliding door or window task during installation, the mobile app will ask if you have an accessory. If you choose yes, the app will direct you on how to install the accessory and calibrate the sensor accordingly. 

If you already have a sliding door or window sensor installed and you would like to add a magnet as an accessory, go to the mobile app to get set up.

From the home page, click the sliding motion task where you would like to install the accessory.

Scroll to the bottom and click ‘Add Accessory’.

Then follow the in-app prompts to install the accessory and re-calibrate your sensor.

Your sensor will now tell you when your sliding window or door is opened or closed, not just when it moves.

Where should I place the magnet?

The magnet needs to be placed carefully to get the most reliable alerts. You can do this by:

• Making sure both the sensor and the accessory are level with each other. If the sensor is on a window and the accessory is elevated on the window frame, that may affect the accuracy.
• Make sure that the accessory is perpendicular to the direction the sensor is going to move e.g. if your window moves up and down, the accessory should be horizontal. If your window moves left and right, the accessory should be vertical.
• When the door or window is closed, make sure that the accessory and the sensor are close together, but not touching. They should be at least 2 centimetres apart, but no more than 7 centimetres apart.
• Make sure that both the accessory and the sensor are installed so that the logos on both pieces face the same direction. For example, if you can read the “Notion” logo on the sensor, then you should be able to see the “N” on the accessory from the same spot.

I’ve set up my sensors! Now, how do I test them?

Nice one! Testing Notion Sensors is even easier than setting them up! Below, we’ve included each task and how to properly test it:

Testing Your Door and Window Sensors

Once a sensor is installed on a door to detect the door opening and closing, testing the sensor simply means opening and closing the door. If you have not adjusted your notification preferences then you will get an alert any time the door opens.

Testing Your Leak Detector Sensors

To test your leak sensors, introduce a little water around the base of the sensor. The sensor will only detect the leak if water bridges the gap between the small brass pins on the bottom of the sensor. The sensor should send a notification almost immediately.

Testing Your Smoke Alarm Sensors

Considering your local fire department recommends testing your smoke alarms on a regular basis, it is worth testing your smoke alarms alongside your Notion Sensor smoke alarm. With the sensor installed, press the test button on your smoke alarm for at least 30 seconds. Your sensor will detect the alarm within the 30 second window and will send a notification right away.

Testing Your Temperature Sensors

The sensor will begin reporting temperature as soon as it is set up. To test this function, simply check the home screen of your Notion app to make sure the sensor is reporting a temperature.

How can I tell if my Notion Sensors are compatible with my smoke and carbon monoxide alarms?

It is worth testing your smoke alarms alongside your Notion Sensor*. With the sensor installed, press the test button on your smoke or carbon monoxide alarm for at least 30 seconds. Your sensor will listen to the sound from the alarm within the 30-second window and will send a notification through the Notion app.

For more information about testing your Notion Sensors,  visit this page .

*Your  Notion Sensor  does not detect fire, smoke or carbon monoxide and is intended to listen for only UL-listed smoke and CO alarms that are fewer than 10 years old.

How do I replace the Sensor Battery?

To replace your Sensor battery, follow these steps.

• Twist the sensor body counter-clockwise to remove it from the gray baseplate
• Remove the old batteries from the sensor
• Install new batteries in the sensor, following the guide in the compartment to ensure they are facing the correct direction
• Line up the arrow on the baseplate with the arrow on the sensor body, push the two halves together, and twist clockwise - all the way until you feel a click.

Notion recommends standard Alkaline AAA batteries for Gen 3 Sensors. Following your battery replacement, make sure your Sensors are on and test that they’re connected to the Bridge and reporting events correctly. 

CAUTION : There is a risk of explosion if the battery is replaced by an incorrect type. Please think of the environment and dispose of used batteries by recycling wherever possible according to local disposal regulations

What is If This Then That (IFTTT) and how does it work with Notion?

If This Then That (IFTTT) helps your apps and your smart home devices and services, like Notion, talk to each other. 

Through IFTTT’s mini-apps called “applets” you can trigger events your Notion app can’t do on its own. For example, with IFTTT you can: 

• Automatically send yourself a text message when Notion detects a Smoke or CO alarm.
• Automatically add Notion temperature data to a Google Sheet.
• Expand your Notion notifications with a phone call
• If you have an app like SmartThings Switch, it will be triggered when Notion detects a door opening.

For more information on how to connect Notion with your other smart home devices, head to the IFTTT website .

My sensor LED light won’t turn on

The sensor will have a green, plastic battery tab that prevents the batteries from powering the sensor. Make sure that it is fully removed before setting up your sensor.

• The sensor will flash green once shortly after you pull the battery tab, but it will not flash after that to conserve the battery. 
• If you’re still having trouble, try cycling the batteries.
• Twist the white body of the sensor counter-clockwise to separate it from the gray baseplate.
• Remove the batteries and reinstall them.
• When the batteries are reinstalled, look for the sensor LED light to flash.

My sensor won’t calibrate

After you’ve scanned your sensor and chosen your preferred location and tasks, the sensor will need to calibrate. If the sensor is not calibrated then you might miss out on important notifications about your home. 

Try these steps to help your sensor calibrate correctly:

• Make sure the sensor was not mistakenly added to your account. Click the System icon in the app and navigate to the Sensors tab. Check to see if the sensor is listed there. If it is, click it, scroll to the bottom and tap “delete sensor” and try the sensor installation process again.
• Make sure the sensor is turned on during calibration. Try the steps above to turn on your sensor and make sure you see a green LED.
• Move your bridge closer to the sensor and try calibrating again. You can move your bridge back after the sensor is calibrated.
• Make sure your sensor is not blocked by anything that might cause interference during installation. This could include physical obstructions as well as other electronic devices that emit radio signals.

Why aren’t I getting alerts from my sensor, even though my magnet is installed?

Most issues with the syncing of the magnet will be the result of the location of the magnet relative to the sensor.

If you are not getting alerts from your sliding window or door sensor with an accessory, then the accessory is too far from the sensor when the door or window is closed. Move the accessory closer to the sensor and re-sync the task. 

If your task gets stuck reporting that your sliding door or window is stuck open, then the accessory is too close to the sensor when the door or window is closed. Move the accessory to about an inch away from the sensor when the door or window is closed, then re-sync the task.

Why can’t the Notion app configure my bridge?

Notion identifies that there are a few different issues that can cause errors in the bridge setup process. However, the troubleshooting remains similar:

• Make sure that you are entering the correct WiFi password for your network
• Connect your phone to a 2.4 GHz WiFi network. If you have a dual-band WiFi router, you may need to “forget” the 5.0 GHz band

For iPhone:

• Go to the WiFi settings of your phone
• Turn off the setting that says “Ask to Join Networks”
• At the bottom of the list of available WiFi networks, find your Notion bridge under “Set Up New Device”. Click on it and follow the prompts
• At the end, go back to the Notion app and follow through with the bridge set up process there to add the bridge to your system in the app

My bridge is still not found. What now?

Your bridge should be green, slowly fading in and out. If it is a different colour or pattern, then reset the bridge .

Did you plug your bridge in within the last 30 minutes? A bridge is only searchable within 30 minutes of being plugged in. If it’s been over a half-hour since you plugged in the bridge, please unplug it and replug it back in before trying again. 

How close is your bridge to your router? During the initial pairing, it may help to move the bridge to a room closer to your router. 

Are location services turned on for the mobile device you’re using? Please visit your phone settings and ensure the location is turned on for the Notion app.

Why is my sensor disconnecting from the bridge?

If it’s your first time activating the sensors, try moving the bridge around in your home to make sure that it is close enough to the sensor. 

If the system has been up and running for a while, check the battery level in the sensor and also make sure it hasn’t been obstructed by anything that could affect the wireless signal between the sensor and the bridge.

My bridge is disconnected. How do I pair my bridge with new Wi-Fi?

You will need to reset your bridge by deleting it from your system and reinstalling it.

Leaving your bridge plugged in, press the small reset button next to the light for 10 seconds. Next, in the Notion app click on “System” > “Bridges” > “Bridge Details” > “Delete Bridge”. 

Then, click on “Add Bridge” to reinstall with your new Wi-Fi network.

I have a question about my sensors that I can’t find here

For any other questions not answered here, head over to Notion’s top FAQs , support center , or contact Honey to speak to our customer support team.

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The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

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

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

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Honeymoon Travel Insurance: Protect Your Romantic Getaway (2024)

Learn the nuances of honeymoon travel insurance to choose the right policy to protect your post-wedding vacation.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Honeymoons are once-in-a-lifetime trips, and the average couple spends $4,800 on their post-wedding vacation. Honeymoon travel insurance can protect this investment and ensure a memorable, stress-free romantic getaway.

Here are the insights you need to choose the best travel insurance plan for your honeymoon.

Why Trust MarketWatch Guides

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

Companies Reviewed

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Why Honeymoon-Specific Coverage Matters

Honeymoons are supposed to be a time to relax after the busy activities surrounding a wedding. Trip cancellations or delays can turn a happy vacation into a stressful experience, and medical emergencies and lost belongings can increase out-of-pocket expenses and deplete your travel budget.

Travel issues are more common than you might think. In December 2022, 5.4% of flights were canceled , and 1.09% of bags were mishandled by airlines, according to Department of Transportation data. Natural disasters are also common. For instance, 10 tropical storms impact the southern U.S. and popular honeymoon destinations in the Caribbean yearly. All these issues could negatively impact what’s supposed to be one of life’s happiest travel experiences.

Travel medical insurance , trip cancellation coverage, and protection for other common travel risks, such as lost luggage, can protect your honeymoon investment from these common delays and disasters and give you peace of mind after departure. Even if the worst occurs and your trip gets canceled, you can receive reimbursement and travel elsewhere or go later without additional costs.

Benefits of Honeymoon Travel Insurance

A single-trip honeymoon travel insurance policy offers several essential benefits for the happy couple. Here is a look at the advantages of insurance coverage for vacationing newlyweds.

• Financial protections: Honeymoons can cost thousands of dollars. If your trip gets canceled or interrupted due to an illness, disaster or emergency, you can get reimbursed for the trip cost as long as the cancellation was due to one of the insurer’s covered reasons.
• Support during emergencies: Travel policies cover medical care and evacuations after an illness or injury. The best travel insurance companies also provide access to 24/7 assistance so that you can find care and get support when needed.
• Managing inconveniences: Lost luggage, delays and missed connections are inconvenient. However, if you purchase travel insurance, you can protect against these issues by purchasing replacements for lost items or booking a hotel and having a meal during an extended delay.
• Accounting for risks in your destination: You may have concerns about your specific destination. For example, couples traveling to the Caribbean between June and November should be aware that it is hurricane season. Storms are unlikely, but if one does occur, your trip cancellation insurance will kick in and provide reimbursement so that you can travel somewhere else or reschedule after the danger passes.

When you buy travel insurance, you will have several coverage choices, including a comprehensive policy, a stand-alone trip delay and cancellation option or a health insurance plan. Comprehensive honeymoon insurance is usually the best choice if you want all the benefits and do not have an annual plan as a couple.

Enjoy a Stress-Free Getaway with Comprehensive Coverage

A comprehensive trip plan covers the most common issues you could encounter when traveling.

• Trip cancellation : This coverage reimburses your trip deposit and other prepaid portions of your vacation if you cancel for an acceptable reason. Covered cancellations usually involve an unexpected illness, death in the family or natural disaster in your destination. You can use the reimbursed expenses to plan an alternative trip.
• Trip interruption : This policy component protects you from significant delays or cancellations after departure. For instance, if you have travel insurance for a Turks and Caicos vacation , it will cover you if a storm shortens your stay and necessitates early evacuation.
• Emergency medical expenses : This coverage pays for emergency medical care due to an illness or injury on your trip.
• Medical evacuation : This policy feature pays for you to return home or go to an acceptable medical facility if you are sick or injured and require extensive care.
• Baggage delay or loss: This feature reimburses you for lost baggage so that you can replace items you need for your trip. If you have a destination wedding, this coverage is useful. It allows you to replace wedding attire and keep your plans on schedule despite a delayed suitcase.

Even if you don’t use the policy benefits, they provide peace of mind. You know that if something unforeseen happens during your trip, it won’t cause a major inconvenience, ruin your travel plans or cause you to pay too much out of pocket.

Factors To Consider When Selecting Your Policy

Several factors affect the price of a travel insurance quote. The trip cost, duration, destinations, means of transport, activities and luggage value all factor into the equation. You also need to consider the coverage limit, which is the maximum amount the insurer will pay for each claim type.

When you get a quote, you should compare it to other policies with similar limits and benefits. You should also look at the fine print to understand the claims process and see if the policy covers pre-existing conditions you might have.

Some honeymoons may require special coverage because of limitations to standard travel policies. For instance, many insurers do not provide scuba diving insurance, so you must purchase additional coverage or get stand-alone insurance for this activity. Also, if you take your honeymoon on a cruise line, you may need a cruise-only policy to cover risks like missed ports of call or delays causing you to miss embarkation.

With proper research and careful consideration of terms and conditions, you can find a policy that meets your needs and covers every aspect of your honeymoon.

The Bottom Line

Honeymoon insurance protects your investment and ensures you do not miss out on your romantic getaway, even if your initial trip gets canceled or interrupted. You need to consider your plans and the risks of your destination. For instance, travel insurance for Costa Rica has different requirements than travel insurance for Aruba .

Once you define your needs, you can research the coverage offered by different providers and select the best protection for your honeymoon plans.

Frequently Asked Questions About Honeymoon Travel Insurance

Is joint travel insurance worth it.

Joint travel insurance is often worthwhile for a honeymoon or any other occasion when you are traveling as a couple. However, factors such as pre-existing medical conditions, trip cancellation coverage through a credit card or trip cost could make two single policies cheaper in some cases.

If the prices are comparable, joint insurance is the better option. It simplifies the claims process and allows you to make one claim instead of two for delays, interruptions or cancellations.

Can you get couple travel insurance?

Yes, a travel insurance provider will allow you to apply for coverage as a couple. You can also get family or group policies if you have a destination wedding.

What are the benefits of honeymoon travel insurance?

Honeymoon travel insurance can provide reimbursement if your trip gets canceled due to a covered reason like an illness or natural disaster in your destination. You can protect your travel investment and use it to have an alternative honeymoon getaway or reschedule for a later time.

Also, medical coverage allows you to protect your nest egg by paying for any expensive healthcare treatments you might need while traveling abroad.

How much does honeymoon travel insurance cost?

The cost of honeymoon travel insurance varies by destination, vacation length, activities, age and trip cost.

Here are examples of costs for travel insurance for a Mexico vacation for a 35-year-old couple from Aug. 1 to Aug. 14, 2023.

• $168 to insure with Generali Global Assistance
• $172 with GoReady
• $192 with AXA Assistance USA

Prices are for standard policies with 100% cancellation coverage and at least $50,000 in medical coverage. The total cost of the trip, including airfare and hotels, is $4,800.

Honey Travel Co. LLC

Travel Insurance

In addition to my endeavor as a travel agent I am also an licensed independent insurance agent. I am proud to offer travel insurance options whether you book your trip with me or not. This is ideal if you are traveling internationally and your current health care does not provide benefits outside of the US.

Coverage can include injuries, illnesses (including Covid) etc and an array of benefits outside of medical. It can also include coverage for lost/delayed luggage, trip interruption, lost passport/ID and more. Travel insurance provides additional peace of mind so you can focus on relaxing and enjoying your trip!

You can get an instant customized quote anytime on the link above.

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Best Annual Travel Insurance in 2024

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

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

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

Factors we considered when picking travel insurance companies

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

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

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

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

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

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

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

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

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

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

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

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

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

2. Seven Corners

What makes Seven Corners great:

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

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

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

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

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

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

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

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

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

What does travel insurance cover?

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

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

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

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

Many credit cards come with complimentary travel insurance .

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

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

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

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

Honeymoon Travel Insurance

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Insuring Your Honeymoon

After all the months of planning, it’s finally time for your wedding and your honeymoon! We know wedding planning can sometimes be challenging but choosing where to go on your honeymoon shouldn’t be. Your honeymoon is the perfect time to take that dream vacation you and your significant other have always considered. Some couples choose a leisure vacation in a tropical destination to relax and enjoy the beach, and other honeymooners prefer a little more adventure and book things like African safaris or hiking in the Rocky Mountains. Regardless of the type of honeymoon trip you are taking, you should make sure that you are aware of any travel rules and regulations that may be in place for the country you are visiting. From COVID-19 restrictions to terror threats, you need to be alert and protected before you depart.

Is travel insurance a requirement for your honeymoon destination?

With COVID-19 restrictions easing by the day, it is hard to narrow down an exact list of countries that are still requiring travel insurance for entry. It is best to head directly to the source and check out your destination country’s official web page.

Even if the country you are visiting does not require travel insurance, we recommend that you purchase a travel insurance plan to protect yourself and your investment in your trip because you never know when an unforeseen circumstance can occur and disrupt your travel plans.

Why should you buy travel insurance for your honeymoon?

A honeymoon is a once-in-a-lifetime excursion with your partner. These vacations tend to be expensive, depending on the destination, and activities you plan on doing while on your trip can add up quickly. Travel insurance protects your investment in your honeymoon and protects you from unforeseen events that can disrupt your trip. For example, if you must cancel your honeymoon because of a sickness or injury, a family member's death, or if a natural disaster happens at your destination, your travel insurance plan could reimburse you for your prepaid, non-refundable travel expenses.

What type of travel insurance should you purchase for your honeymoon?

The most comprehensive travel insurance plans include Trip Cancellation, Trip Interruption, Trip Delay, Primary Emergency Medical coverage, and Medical Evacuation coverage. Trawick International is one of the few travel insurance providers that treats COVID-19 the same as any other sickness.

We also offer Cancel For Any Reason (CFAR) coverage. CFAR provides reimbursement for up to 75% of the prepaid, non-refundable, forfeited payments made for your trip if you cancel your trip for any reason not otherwise covered by the base plan, up to two days before your trip is to begin. CFAR must be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This option is not available in all states.

For example, if you booked your honeymoon and didn’t get married or just didn't feel comfortable traveling and wanted to cancel the trip, a trip cancellation plan on its own would not reimburse you based on those reasons. However, if you have CFAR, you could be reimbursed up to 75% of prepaid expenses, as long you cancel at least two days before your trip.

When should you buy travel insurance?

To maximize your benefits, you should plan to insure your trip as soon as you book your trip, within 21 days of the initial trip deposit, and include all prepaid, nonrefundable trip costs. You can still purchase travel insurance up until the day before you leave for your trip, but after the 21-day period you may not be eligible for time-sensitive benefits such as Cancel For Any Reason or Financial Default.

How much does travel insurance cost?

Our pricing is customized to each travelers trip. Pricing is based on the trip cost, age of the traveler, destination, and trip duration. To see how much your travel insurance will cost, click on the " Get a Quote " button below. Please make sure to include all prepaid, non-refundable travel expenses so in the event your trip is canceled or interrupted for a covered reason you can recoup your losses.

How will we receive proof of insurance?

After purchase, a letter and certificate of coverage will be sent to the email address provided on your travel insurance application. This documentation confirms you have travel insurance. The letter will include the summary of coverage showing proof of coverage. This information is also accessible on the Trawick International app.

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• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

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INFORMATION YOU PROVIDE

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PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

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Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

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• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Best Travel Insurance for Seniors of April 2024

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Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have the best travel insurance in case any health-related issues arise while you travel.

Best Senior Travel Insurance

• Allianz Travel Insurance : Best Overall
• John Hancock Travel Insurance : Best for Expensive Trips
• World Nomads Travel Insurance : Best for Exotic Trips
• Travel Guard : Best for Annual Insurance

Compare the Top Travel Insurance for Seniors

Best senior travel insurance reviews.

Having the right travel insurance will give you peace of mind while you travel and cover any losses incurred if you need to cancel your trip due to health issues. If you're 60+ years old, check out our top picks for senior travel insurance below.

Best Overall Travel Insurance for Seniors: Allianz Travel Insurance

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best Senior Travel Insurance for Expensive Trips: John Hancock Travel Insurance

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason). Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best Senior Travel Insurance for Exotic Trips: World Nomads Travel Insurance

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Best Senior Travel Insurance for Annual Policies: Travel Guard Travel Insurance

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. Travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of Coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of Travel Insurance for Seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the Most of Your Plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding Your Policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency Assistance Services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to Pick The Best Senior Travel Insurance for You

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Senior Travel Insurance Frequently Asked Questions

What should seniors specifically look for in a travel insurance policy.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

How much does senior travel insurance cost?

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

How can seniors save money on travel insurance?

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane tickets are refundable, there's no need to insure those.

What is the best travel insurance for seniors?

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies, which could make sense for seniors who travel frequently.

What is the oldest age for travel insurance?

Most travel insurance policies will cover travelers up to age 80, and some even offer coverage up to age 99 or 100. The older you are, the more you should expect to pay for travel insurance.

Why You Should Trust Us: How We Chose the Best Travel Insurance for Seniors

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

• card travel tips
• credit card benefits

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The colonel is getting saucy: KFC announces Saucy Nuggets, newest addition to menu

KFC' s chicken nuggets are about to get a whole lot saucier.

The company announced Thursday it is introducing Saucy Nuggets to its menu April 1. The nuggets will be available in five flavors at KFC restaurants nationwide.

The flavors include three brand-new sauces and the return of two fan favorites that, according to KFC, have inspired petitions advocating for their return. The flavors include:

• Honey Siracha: A sweet heat sauce using a blend of red chili peppers, garlic and honey
• Korean BBQ: A sweet and savory umami sauce with soy sauce, garlic, sugar and sesame
• Sticky Chicky Sweet 'n Sour Sauce: A balanced combination of sweet and tangy flavors including pineapple, garlic, vinegar and chili
• Nashville Hot: Smoky, spicy and crispy, with an even ratio of flavor and smokiness to heat that brings balance
• Georgia Gold: A honey mustard-style BBQ sauce made with vinegar, honey and savory seasoning

The Saucy Nuggets will be available in a 10-piece entrée for $5.99, or as part of a combo meal with a medium drink and Secret Recipe Fries for $9.99, according to KFC.

The company also said customers can get a free 10-piece Saucy Nuggets when they spend $10 or more on a KFC.com or KFC app purchase.

“We’ve entered the sauce chat," said Nick Chavez, CMO of KFC U.S., in a news release announcing the Saucy Nuggets. "Our KFC Nuggets – made from 100% white meat chicken and hand-breaded with KFC’s secret recipe of 11 herbs & spices – dripping with these sauces create an unmatched flavor experience, with something for every palate.”

Behold, the Chizza: A new pizza-inspired fried chicken menu item is debuting at KFC

KFC also introducing new dessert item

In addition to the Saucy Nuggets, KFC is also adding a new dessert item to its menu: Apple Pie Poppers.

Filled with warm apple pie filling and wrapped in a buttery and flaky crust, customers can get four Apple Pie Poppers for $2.49.

KFC introduced pizza-inspired item last month

The Saucy Nuggets arrive about a month after KFC introduced a pizza-inspired item called a Chizza to its menu.

The item, pronounced "cheet-za," features two white meat fried chicken filets topped with marinara sauce, melted mozzarella cheese and crispy pepperoni.

According to KFC, the Chizza first debuted on KFC menus in the Philippines in 2015 and has since made its way to KFC restaurants in Korea, Taiwan, India, Thailand, Germany, Spain and Mexico, among other countries. It was available in the U.S. for the first time beginning Feb. 26.

Customers can order the Chizza on its own or with a combo meal, which includes KFC's Secret Recipe fries and a medium drink. Customers can also order a half Chizza, which is one fried chicken filet with the same toppings rather than two.

Gabe Hauari is a national trending news reporter at USA TODAY. You can follow him on X  @GabeHauari  or email him at [email protected].