single trip pet travel insurance

Pet Travel Insurance: Everything You Need To Know

Traveling with pets by your side can be great, but it does make planning trips a bit more complicated. Between finding pet-friendly locations , choosing the best method of transportation, and packing all your essential pet supplies, there’s a lot to think about every step of the way — including your pet’s safety, first and foremost .

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So many things can go wrong when traveling, that you might find yourself in need of unexpected veterinary care. In these cases, insurance coverage can be a literal life-saver, but can you use pet insurance anywhere ? Or do you need pet travel insurance ? And what’s the difference, anyway?

Keep reading to learn how pet insurance works when traveling , or use the links below to jump to the answers you’re looking for:

What is pet travel insurance?

Can you use pet insurance anywhere, how does pet insurance work when traveling.

• Does pet insurance cover travel cancellations for sick pets?

How much is pet insurance for a flight?

Key takeaways.

Pet travel insurance covers the loss, injury, or death of your pet during a trip from Point A to Point B. Otherwise known as pet transport or pet taxi insurance, these policies provide liability coverage to companies that offer transportation, shipping, and delivery services for pet traveling without their owners.

If you are sending a pet by land, air, or sea, there are certain health risks that make pet travel insurance well worth your consideration. Ground transportation is more favorable for pet travel safety than traveling as air cargo, but the common issues that occur in either setting include:

• Motion sickness
• Increased stress levels
• Unexpected injuries
• Heat stroke
• Hypothermia

When making transportation arrangements for your pet, ensure that your carrier company is licensed and provides a minimum amount of pet travel insurance — typically from $100 to $500 per pet . Or, if you’re entrusting your pet directly to an airline, know that they all have different pet policies. The results of one legal case found that some may limit their liability to that of checked baggage , currently set at $3,330 for domestic flights.

Note that these hypothetical figures represent the maximum amount you’d receive for a pet injury or death mid-travel. Travel insurance doesn’t cover sick pets or natural illnesses that may occur in transit. Nor do they these policies cover ongoing health problems caused by an incident mid-transport that develop later on.

For coverage that’s comprehensive and long-lasting, you’d need a traditional pet insurance plan .

How Does Pet Insurance Work?

It depends on the provider. While all pet insurance companies allow you to use any licensed veterinarian, emergency hospital, or specialist in the United States, restrictions on where you can use pet insurance vary at the international level. Here are some examples from top providers:

• Trupanion , Figo , and Pets Best Insurance cover pets in the US, Puerto Rico, and Canada
• Fetch , Healthy Paws , and Pet Partners cover pets in the US and Canada
• Embrace Pet Insurance provides pet insurance for traveling pets if they reside in the US for at least 51% of the year
• Nationwide covers pets worldwide.
• Bivvy , Companion Protect, and MetLife Pet Insurance cover pets in the US only

For pets traveling abroad, covered vet fees may differ depending on the length of stay in the foreign country.

If your pet insurance covers travel, then you can get reimbursed for veterinary bills while you’re away from home, so long as the service does not relate to a pre-existing condition . Unless your provider offers Vet Direct Pay, the policy will work the same overseas or out-of-state:

• Pay for veterinary care out-of-pocket
• File a claim for covered services
• Get paid out at the policy’s reimbursement rate (pending you’ve met your deductible and haven’t hit your annual limit)

Some providers, like ASPCA Pet Insurance , offer additional travel benefits for pets that may include:

• Lost or stolen pet passport or health certificate coverage
• Quarantine kennel fee coverage
• Advertising and reward coverage in case your pet gets stolen or lost.
• Access to 24/7 pet help hotline

Many insurance companies offer supplementary pet wellness plans that could help reimburse expenses incurred to get a pet passport , including the cost of a vet exam , microchipping, and required vaccinations for dogs and cats.

Does pet insurance cover travel cancellations due to sick pets?

Some pet insurance companies, such as Pet Plan and Trupanion, reimburse travel cancellations due to sick pets . The cancellation coverage often pays for your travel expenses in case you have to abruptly cancel your trip or cut it short because you had to take your pet to the emergency room .

Only businesses can buy insurance for travelling pets, so if you want to get pet insurance for a flight , you’d have to enroll in a traditional pet insurance policy and pay the price of a monthly premium . The cost of pet insurance averages $49.51 for dogs and $28.48 for cats, but this number could go up or down depending on where you live and the coverage you choose.

Many people get pet travel insurance prior to their cat or dog flying unattended, then cancel the policy upon safe arrival. If you plan on only getting pet insurance for a flight, you’d need to research the cancellation policy to see whether you’d incur any fees or receive a prorated refund for the monthly premium.

However, if you travel with your four-legged companion often, you may want to keep your pet insurance for flights in the future . By canceling and re-enrolling for each flight, you risk the any pre-existing condition your pet may develop being excluded from your next policy. If anything related to that health issue were to happen while traveling — such as the stress of flying worsening a pet’s heart condition — it would be ineligible for insurance coverage.

Keep in mind that you’ll likely need a pet health certificate issued within 10 days of your trip for pets flying abroad, which will require a visit to your vet. If you want to be reimbursed for exam fees and services your pet may need for international travel, be sure to enroll well in advance, since the policy won’t go into effect until after the mandatory waiting period has passed.

If you’re looking for pet insurance coverage that will provide protection for your pet while you’re home or away, Pawlicy Advisor makes it easy to read the fine print, compare plans, and find the features that matter the most for your preferences. Click on the button below to get started today.

• Pet travel insurance covers expenses relating to issues or accidents when pets are traveling. The benefits of this type of insurance typically extend only from airport to airport. If you are looking for ongoing coverage, you should consider traditional pet health insurance.
• Some pet insurance providers also cover pets traveling both domestically and internationally. Most insurance companies allow pet parents to use any licensed veterinarian throughout the US, but some of them also provide coverage when your pet is traveling abroad.
• It’s easy to get overwhelmed when you are shopping for pet insurance, but Pawlicy Advisor can help keep you organized when comparing different options and make sure you choose the best plan for your pet and your budget.

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.css-3sl4ml{color:#E26C33;-webkit-text-decoration:none;text-decoration:none;}.css-3sl4ml:hover{color:#E26C33;-webkit-text-decoration:underline;text-decoration:underline;} Kari Steere .css-aqd080{font-size:16px;font-weight:bold;}@media screen and (min-width: 992px){.css-aqd080{font-size:21px;}} Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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Getting solid health insurance for your fuzzy companion doesn’t quite cover everything that might happen during its lifetime. There are situations that warrant a different kind of approach – a different insurance policy. Holidays and traveling are some of them.

Of course, this should come hardly as a surprise; after all, we humans get both health and travel insurance, so why shouldn’t our pets too?

Trupanion has a straightforward plan

Read full review

Fetch has a stellar reputation among pet insurance companies.

Different kinds of un-furr-tunate events may occur while we’re abroad with our beloved furry friends. Proper travel insurance should be put in place to help us deal with the financial baggage of such situations, which would only worsen our emotional turmoil.

But this is all rather easy to deduce. What’s more important than enrolling in pet travel insurance is to know how exactly this type of insurance works , what it covers, and which insurance companies out there are the best to go for.

No need to panic – we have an answer to all of these questions.

What does Pet Travel Insurance Cover?

Pet travel insurance covers the expenses for the most common types of mishaps that can take place while you and your companion are abroad. This includes a variety of scenarios. The number of these scenarios also depends on the particular insurance provider and the policy or plan you agreed on.

Still, there are some general types of costs that almost all travel insurance providers cover.

In case your pet gets ill or injured while abroad, the pet travel insurance will cover the veterinary fees exactly like the regular pet health insurance covers vet expenses in your home country.

One thing to note, though, is that the main prerequisite for the insurance cover is that any injury or illness should be sustained abroad. No older injuries, lingering or pre-existing conditions will be covered.

Advertising and Reward for Theft or Loss

In the event that your pet gets lost or stolen, the insurance provider would cover for the advertising and reward in order to help retrieve your pet. However, the reward can only be claimed by a third party, not by you or any other person traveling with you and your pet.

Holiday Cancellation

The pet insurance provider will fully cover the costs for the cancellation of your holiday if your pet is in urgent need of medical treatment, thus preventing you from traveling. The same applies if your pet dies before the scheduled trip, leading to its cancellation.

Emergency Repatriation

If your pet gets ill or injured abroad and has to be immediately brought back to your home country, travel expenses will be covered by the insurance provider.

Similarly, if a pet’s illness leads to a delay of your departure, the insurer will cover all expenses related to accommodation.

Loss of Passport

In case you lose your pet’s passport or healthcare certificate while abroad, the travel insurance can cover the costs for a passport or certificate replacement.

Quarantine Expenses

Suppose your pet develops a condition that would warrant quarantining while abroad, and it’s unable to travel back to your home country. In that case, the travel insurance company will cover expenses related to the quarantine.

Still, as this can be pretty pricey, most companies set a limit of about $2,000. You will have to cover anything above that amount by yourself.

Tapeworm Treatments

If your pet requires repeated tapeworm treatments and your return to your home country is, for some reason, delayed, the insurance provider can cover the costs of these treatments until you get back.

These are the main types of costs covered by travel insurance companies. Yet, not all companies do an equally good job at covering them for a reasonable price. Some stand out.

Pet Travel Insurance Companies: Rating

Out of the numerous pet insurance companies that offer travel insurance for pets (and the less numerous exclusively dealing with travel insurance), we selected the three most popular ones:

An already renowned pet insurance provider, Trupanion does not offer a separate travel insurance plan. It already has one incorporated into the regular pet insurance policies it offers.

Admittedly, it only covers your pet for traveling around the United States, Canada, and Puerto Rico, but considering how you don’t actually have to pay separately, this is as good a deal as they come.

Pet Travel Insurance

A company specifically intended for travel insurance, approved by the IPATA , Pet Travel Insurance is simple and straightforward – you provide basic information on your pet and get a quote. It covers all that needs to be covered for a reasonable price.

Fetch by the Dodo

Fetch is another regular pet insurance provider which additionally offers travel insurance – both as part of its regular insurance packages and separately. Backed by the Pet Travel international company, it can be quite pricey with its quotes but truly allows you to cover all of your pet’s needs while abroad.

Comparing Pet Travel Insurance Plans

All of these insurance policy providers offer completely different coverage plans, so it makes sense that each would cater to a different kind of pet owner. Pet owners looking for a practical option that don’t typically travel outside the US should definitely go for Trupanion, as that’s an overall pet insurance company.

Those preparing for trips outside the US border should contact Pet Travel Insurance. In contrast, those who’re unsure or are looking at several consecutive trips should make up a good travel insurance plan at Fetch.

But what kind of policy options are there?

Pet Travel Insurance Policy

There are two types of insurance policies you could go for: single trip and multi-trip.

• Single trip policies are constructed in a way to cover your pet for the duration of a single trip with a previously set number of days.
• Multi-trip policies are made to cover your pet for several trips intended for the coming period.

Most insurers would cover for up to around 90 days per year, but this isn’t fixed. Some don’t limit the number of days, but the number of travels. Based on this, decide whether the single or multi-trip option is suitable for you.

How Pet Travel Insurance Works

It’s quite simple, really; first, you check if your basic pet health insurance covers travel expenses. If not, you find a potential provider, inform them about your pet’s breed, age, sex, and country of residence and ask for a quote.

Once you accept the quote and make an insurance plan, you set it in motion – you travel abroad, and if any undesired event takes place, the travel insurance covers the (majority of the) financial costs for it. That’s it!

Now that we’ve seen and reviewed all of the offered options, we believe that the best one to recommend would be Trupanion.

While not covering trips worldwide, it is, by and large, the most financially affordable option, as you don’t actually have to pay anything extra to get it – it’s already included in the normal pet health insurance.

As long as your pet travels around the US, Canada, or Puerto Rico – it gets the full treatment. You can rest assured that whatever happens, wherever you are, you will be as financially supported by Trupanion as when you’re at home .

Ralph Davidson

Related topics:, lemonade vs pets best, waggy caddy review, pet care online reviews.

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Pet Travel Insurance vs. Pet Health Insurance: What’s the Difference?

Hi PetRelocation! I am curious if pet insurance is recommended/commonplace during the import/export process. Can you recommend good coverage? Are there any websites out there with more details? Thank you! -Laura

Pet Travel Insurance

On the other hand, pet travel insurance is specifically designed to cover risks associated with traveling with your pet. This can include coverage for costs incurred due to travel delays, cancellations, lost or delayed pets, and even some medical emergencies that occur while your pet is in transit. For example, pet travel insurance could cover if your pet is scheduled to fly from San Francisco to London on United Airlines Flight UA 733, departing at 13:00 on 11 June 2023 and arriving at 16:45 on the same day the costs if there are any unexpected delays or cancellations.

However, it's important to note that pet travel insurance typically only covers incidents related to the travel itself and not broader health issues your pet may experience. It's also usually a one-time or short-term coverage for the travel duration.

Pet Health Insurance

Pet health insurance typically covers veterinary costs associated with your pet's illness or injury. This can include everything from routine check-ups and vaccinations to surgery and other medical treatments. It's more of a long-term coverage that ensures your pet's health needs are cared for, no matter where you are.

Most pet health insurance plans offer various coverage levels, from basic plans that cover accidents and illness to comprehensive plans that include wellness care. However, pet health insurance does not cover the costs related to travel or potential issues that may arise during travel, such as lost or delayed pets.

Use these as starting points for further pet health insurance research, do a few Google searches, talk to your vet, and check out Pet Insurance Review , which offers ratings and client reviews for pet insurance programs.  

Choosing the Right Insurance for Your Pet

When choosing the right insurance for your pet, it's essential to consider your pet's specific needs, travel plans, and what each type of insurance covers. If you frequently travel with your pet or plan a significant relocation, pet travel insurance might be worth considering. However, pet health insurance is the go-to option for overall health coverage.

Remember, it's crucial to read the fine print of any insurance policy to understand what is and isn't covered. Always consult with your pet relocation consultant or insurance provider to ensure you make the best decision for your pet.  Here are a few of the frequently asked questions:

• How much does pet travel insurance cost?  The cost of pet travel insurance varies depending on the company, the type of coverage you choose, and the age and health of your pet. However, you can expect to pay anywhere from $20 to $100 monthly for pet travel insurance.
• How much does pet health insurance cost?  The cost of pet health insurance also varies depending on the company, the type of coverage you choose, and the age and health of your pet. However, you can expect to pay anywhere from $10 to $50 monthly for pet health insurance.
• What are some of the benefits of pet travel insurance?  Pet travel insurance can help you cover the costs of unexpected medical care, lost or stolen luggage, and other travel-related expenses. This can give you peace of mind when you're traveling with your pet.
• What are some of the benefits of pet health insurance?  Pet health insurance can help you cover the costs of routine and unexpected veterinary care. This can save you money in the long run, especially if your pet has a pre-existing condition.

Need help arranging your pet shipping logistics for an upcoming move? Contact us to speak to a pet travel consultant.

Travel Insurance For Pets: Peace Of Mind When Traveling With Pets

Heading abroad with your furry friend this summer? Discover the benefits of pet travel insurance.

Going on holiday or relocating overseas with your pet can make travel a true adventure. But there’s no need to worry about your pet’s health care while overseas if you have pet travel insurance. Your pet will continue to get expert care while you travel together without forcing you to drain your bank account to pay vet fees. 

Table of contents

What is pet travel insurance, what does pet travel insurance cover, pet insurance for longer trips abroad, is pet travel insurance a legal requirement, what affects the cost, what should i look for in a pet travel insurance policy, does pet travel insurance cover illness, should i get a single-trip or multi-trip pet travel insurance policy, pet travel insurance helps you have a relaxing trip with your furry friend, always know where your dog is.

Follow every step in real-time with unlimited range. Get alerts if they wander too far. Keep them happy & healthy with Wellness Monitoring. And let others – like walkers or sitters – keep an eye on your dog too.

Pet travel insurance provides financial protection if your pet is accidentally injured, goes missing, or is quarantined while they are traveling abroad with you.

You can’t buy stand-alone pet travel insurance. It’s usually included in your existing pet insurance policy, or purchased as an extra add-on to your policy. Check out our full guide on how pet insurance works .

It’s no fun leaving your dog or cat in the care of a pet-sitter or at a kennel when you go on holiday. But travelling can be full of surprises, especially if you are traveling abroad or relocating to a new home overseas with your four-legged friend.

Pet travel insurance can give you reassurance that your beloved pet will get the professional, urgent treatment they need if an accident or injury occurs when you are away from home.

Imagine you are relaxing by the pool at your seaside villa, while your dog is exploring the garden. Suddenly, your pup is yelping in pain. Is it a bee sting? Did they eat a toxic plant ? Should you rush to the local veterinarian?

With pet travel insurance, you won’t need to think twice about getting your pet the emergency care they need . You know that your pet travel insurance policy will help cover the vet fees, even during your extended overseas travel or holiday.

Most pet travel insurance policies cover for:

• Overseas vet fees: Cover may help with the cost of treatment for illness or injury to your pet while you are traveling abroad.
• Quarantine costs: If your pet becomes ill and must be quarantined before returning home, pet travel insurance may help cover this cost, which can be significant.
• Loss of travel documents: If you lose or misplace your pet’s travel documents, your policy may help cover the costs to replace them.
• Emergency expenses abroad: If your pet goes missing or is lost, your pet insurance policy may help cover these expenses and other fees, such as transportation to get your pet home after an illness or injury.
• Trip cancellation: Your pet insurance policy may reimburse some costs if you must cancel or shorten your holiday due to your pet’s illness or injury that occurs while you are away from home.

Every dog insurance or cat insurance policy is different. The type of cover offered by various insurance companies can vary. It is very important to read your policy documents carefully, including the fine print. So there will be no surprises when you need to use the policy’s benefits or make a claim while traveling.

Most pet travel insurance policies are in effect for set time periods , usually about 90 days per year. If you need extended coverage, talk to your insurance provider to learn which options are available.

Pet travel insurance is not a legal requirement when taking your pet abroad on holiday, or when relocating to a different country. However, most pet parents enjoy the tremendous peace of mind that comes with knowing that their pet can receive the care they need if an accident or illness happens during travel.

You can no longer use pet passports issued in Great Britain to travel to the European Union or Northern Ireland. However, you will need an Animal Health Certificate when traveling, which can be obtained from your veterinarian. 

Even though pet travel insurance and a pet passport are not a legal requirement for travel, you want to avoid having to put your pet in quarantine when traveling between two countries. Quarantines are enforced because your pet may be carrying a disease, and authorities want to keep animal diseases out of the country you are visiting. Quarantine periods may be many days or weeks long and you must pay to have your pet quarantined.

To avoid quarantine completely, you can show that your pet is healthy and up to date on vaccinations by participating in the Pet Travel Scheme (PETS) . This allows pet dogs, cats, and ferrets who meet certain requirements to be taken in and out of participating countries, including the UK, without having to be quarantined.

To be eligible for the Pet Travel Scheme, your pet needs:

• a microchip
• an up-to-date rabies vaccination
• an Animal Health Certificate and
• to have undergone flea, tick, and tapeworm treatment with an official certificate as proof.

Talk to your veterinarian about meeting the requirements for the Pet Travel Scheme. In most cases vaccinations need to be given at least 21 days prior to the start of your trip, so plan accordingly.

Pet travel insurance may not cost you anything extra – it may already be included in your pet health insurance policy . Read your pet health insurance policy carefully to see if pet travel cover is included.

If you policy does not cover pet travel, you may be able to buy this as an extra add-on to your pet health insurance policy. 

Several factors can affect the cost of your pet travel insurance.

• Some dog breeds may cost more to insure, especially if they are prone to genetic medical conditions.
• Older pets may be more expensive to cover, or your insurer may not provide any type of cover for them due to their age. 
• Pets with pre-existing conditions may not be covered for their medical condition. 

You should always compare pet travel insurance policies carefully to make sure they fit with your cover requirements and your budget. 

It’s important to know exactly what’s in your pet travel insurance policy. You want it to cover your pet’s needs and fit with your travel plans. Here are some items to check within your policy:

• Which countries are included in the cover?
• What is the maximum amount of money that can be paid out for a claim?
• What type of situations are covered, such as accidents or illnesses?
• What age will the policy cover your pet up to? 
• Are pre-existing conditions excluded? Are there other exclusions?
• How many weeks or months will the cover last when you are abroad?

If you already have pet health insurance for your furball, you may already have cover for some of these situations. Read your policy carefully before you head off on your holiday.

Most pet travel insurance policies cover medical treatment for illnesses that your pet may contract while you are traveling. But some situations, such as if your pet becomes ill before you depart, may not be covered if you decide to cancel your trip. Each policy is different, so make sure you know exactly what is covered before you buy the policy.

If you and your furry friend are frequent travelers, you might investigate buying multi-trip pet cover. This may be a cost-effective alternative to buying a one-time policy for each trip, especially if they occur within a short time period. 

You want to enjoy your holiday with your pet, and spend money on enjoyment, not veterinary bills should an accident occur. Take away one source of worry by buying pet travel insurance before you leave on holiday. You’ll get to enjoy the company of your dog or cat without stressing about unexpected bills.

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Personal Finance

Best travel insurance companies for november 2023.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more .

Planning to travel in 2023? You’re not alone. According to the U.S Travel Association , a trade group, travel has bounced back after the pandemic. Americans are forecast to spend $1.09 trillion on domestic and international travel in 2023. That's up from $722 billion in 2020 and close to the $1.17 trillion spent before the pandemic in 2019.

Travel has also become more expensive than ever , thanks to increased demand and price inflation. So if you are planning a big trip, you owe it to yourself to consider the financial protection of travel insurance. 

Compare the best travel insurance companies 2023

Our recommendations for the best travel insurance company for november 2023, best for adventure enthusiasts: travelex.

Travelex Travel Insurance

Policy cancellation.

The Travelex “Basic” plan provides $15,000 of medical and $10,000 of trip cancellation coverage. These coverage amounts are lower than those offered by other companies in our review. However, higher limits are available by selecting the company’s “Select” plan.  

Among its upgrade options, Travelex offers adventure sports coverage for those whose itinerary includes such adrenaline-rush activities as zip lining, skydiving, or mountain climbing. This coverage can be added to any Travelex plan. 

It’s also worth noting that Travelex is one of the highest-rated travel insurance providers on Trustpilot , having earned 4.3 out of five stars (as of Aug. 2, 2023). One recent reviewer noted, "I've always been skeptical of trip insurance and all the promises of straightforward claim processes, but I was blown away with how responsive, simple, and logical the Travelex was. I decline all trip insurance for any travel booking I do now and only use Travelex. Cheaper, more efficient, less red tape. What's not to love?” 

Best standard coverage package: Generali Global Assistance

Generali Global Assistance

Generali Global Assistance is a European company with insurance services focusing on travel and identity protection. Its “Standard” plan for travel insurance provides $50,000 of medical expense coverage and trip cancellation coverage for 100% of the insured value.  

The plan also includes travel delay, baggage damage, baggage delay, and missed connection coverage. Options such as rental car collision damage and upgrade plans allow you to travel with even more coverage. 

Generali has 3.5 out of five stars with Trustpilot (accessed Aug. 2, 2023).

Best for “cancel for any reason” coverage: AXA Travel Insurance

AXA Travel Insurance

Many American consumers may not immediately recognize AXA Travel Insurance , but the company is a multinational financial services giant headquartered in France.  Its “Silver” plan—AXA’s entry-level travel insurance offering—includes coverage for $25,000 of emergency medical expenses and 100% of the insured trip cost if the trip is canceled. Additional coverages include trip delay, missed connection, medical evacuation, and baggage coverage. 

The company’s “Platinum” plan provides “cancel for any reason” trip cancellation coverage. This means you can cancel your trip for any reason—personal, professional, medical, family, or other—and expect to receive reimbursement. This contrasts with standard trip cancellation coverage, in which the cancellation must be for one of the specific reasons stated in the policy contract. The “Platinum” plan also includes higher amounts of emergency medical expenses and other coverages.  

AXA has 3.2 out of 5 stars in its Trustpilot rating (accessed Aug. 2, 2023). 

Best for spontaneous travelers: AIG Travelguard

AIG is a leading global provider of insurance for both individuals and businesses. Its Travelguard “Essential” plan offers $15,000 of emergency medical coverage and trip cancellation coverage for 100% of the insured cost of the trip. Higher coverage amounts are available with the company’s “Preferred” and “Deluxe” plans. 

AIG Travelguard also offers its unusual “Pack N’ Go” plan, designed for last-minute travelers who don't need trip cancellation coverage. This plan includes up to $1,000 of trip interruption and $25,000 of medical expense coverage, along with coverages for trip delays, missed connections, and lost luggage.

AIG promises quotes on its website in less than two minutes, making it easy to include Travelguard in your comparison shopping. Travelguard has 1.7 out of 5 stars on Trustpilot , though this is based on only 58 reviews (accessed Aug. 2, 2023). 

Best for families with young children: Allianz

Allianz Global Assistance (Allianz Travel) is a subsidiary of Allianz SE, the world’s largest diversified insurance company. Its “Basic” plan includes $10,000 of both trip interruption and emergency medical expense coverage. The company offers several plans with higher coverage, along with an “Emergency Medical” plan focused primarily on medical coverage. Allianz also offers several annual policy plans for those who intend to travel multiple times a year.

The company’s “OneTrip Prime” plan extends coverage for free to children under age 17 who are traveling with a parent or grandparent, making it ideal for family vacations. Allianz claims the plan is its most popular, with up to $100,000 of trip cancellation and $50,000 of emergency medical coverage.

Allianz earns 4.1 out of five stars in its Trustpilot rating (accessed Aug. 2, 2023), including 75% five-star reviews.

Best for luxury travel: Berkshire Hathaway

Berkshire Hathaway is one of the country’s largest companies (currently seventh on the Fortune 500). It’s also the parent company of auto insurance giant GEICO. 

Berkshire Hathaway’s “ExactCare Value” policy plan includes $15,000 of medical coverage and trip cancellation coverage of 100% of the insured value of the trip. The plan also includes coverage for lost baggage, baggage delay, trip delay, and emergency evacuation.  

Berkshire Hathaway offers a specialized insurance plan for luxury travel. This plan features higher medical and trip cancellation coverage limits, $2,500 worth of lost baggage coverage, $35,000 of car rental collision coverage, and 24/7 worldwide travel assistance. 

Berkshire Hathaway Travel Insurance does not currently have a Trustpilot rating (accessed Aug. 2, 2023).

Best for cruises: Nationwide

Nationwide is one of the country's most recognizable insurance brands, with policies available for homes, cars, and businesses. The company also offers travel insurance. 

Its “Single-trip Essential” travel insurance plan provides $75,000 in medical emergency coverage. This is the most coverage of any of the companies in our review. Nationwide’s $10,000 limit for trip cancellation is lower than that of other plans, however. 

Higher limits are available with its “Prime” plan, along with a cancel-for-any-reason option that pays 75% of the insured trip cost. The plan also includes a variety of additional coverages, such as trip delay, baggage delay, emergency medical evacuation, and optional rental car coverage.  

Nationwide also offers a separate, specialized travel insurance policy for those embarking on cruises . Besides expected coverages such as trip cancellation and emergency medical, it covers itinerary changes, mechanical breakdown, and missed connections.

Nationwide has earned 1.9 out of 5 stars in its Trustpilot rating, based on only 42 reviews (Accessed Aug 2, 2023).

Best for amateur athletes: Tin Leg

Tin Leg travel insurance policy plans are underwritten by Berkshire Hathaway and other companies. Its “Economy” plan includes trip cancellation coverage at 100% of the insured cost and $20,000 of emergency medical coverage. The company offers a variety of additional travel insurance plans with varying levels of coverage. 

If you’re traveling to participate in a sports event and bringing your expensive gear, Tin Leg could be a great choice. Its “Economy” plan includes coverage for loss of, or damage to, sporting equipment (such as a bicycle or skis). It also reimburses your event registration fees if your trip is canceled or interrupted.  

Tin Leg has a Trustpilot rating of 1.9 out of 5 stars (accessed Aug 2, 2023), though this is based on only 13 reviews. 

Methodology

To develop our recommendations, we gathered information about several leading travel insurance providers from their websites and third-party reviews, where available. We focused on the range of essential coverages, including emergency medical coverage and trip cancellation coverage, along with the availability of 24/7 customer support during travel. Where it existed, we noted each company’s policy cancellation terms. 

We reviewed the most economical plan for each company that included both medical and trip cancellation coverage. We also noted optional coverages and upgraded plans that provide higher levels of coverage or specialty coverages for niche travel. 

This information is for comparison purposes only. Please verify policy details before purchasing. 

How to select the best travel insurance company

Follow these tips to choose the best travel insurance company for your needs. 

Determine your needs

Your travel insurance needs for a Caribbean cruise may differ significantly from those for a backpacking trip through the Swiss Alps. Your first step should be to outline your travel expense budget and list the activities in which you plan to participate (note that some policies include optional coverage for certain activities, such as adventure sports). Also, consider your health status, as some policies require you to pay extra for certain pre-existing health conditions. 

Investigate your travel insurance options

Check if you might already have some travel insurance readily available to you. Some credit card companies offer coverage if you use their card to pay for your trip. Coverage may also be available from a tour operator or an airline. You can also get recommendations from a travel agent or an independent insurance agent. 

Compare available features and coverage amounts

You'll discover that each travel insurance provider offers varying levels of standard coverage, such as trip cancellation and emergency medical expense, along with optional coverages. They typically also offer multiple plans (think "good," "better," and "best"). Review these and select a few providers that offer the coverages you need.  

Get quotes from multiple companies

As with any other type of insurance, travel insurance costs vary among companies. Check with at least three or four to ensure that you're getting the coverage you want at a price you can afford. 

Time STAMP: Travel is more expensive than ever. Protect your trip with travel insurance

Business and pleasure travel alike have bounced back from the pandemic. However, traveling has also become much more expensive, thanks to inflation and increased demand. If you plan to head to some far-off destination—whether by air, road, rail, or ship—consider buying travel insurance. A policy reimburses covered medical costs, trip interruption, and other snags that may befall your trip.

Frequently asked questions (FAQs) 

How is your travel insurance cost determined.

Your travel insurance cost will vary based on the amount of coverage purchased, the number of travelers, the age of the travelers, and your trip destination. Travel insurance costs also vary by insurance company, underscoring the need to shop around for coverage.

Which travel insurance coverages are available?

Travel insurance policies typically include the following coverages. 

• Emergency medical expenses. This helps cover the cost of care if you or anyone insured by the policy has a medical emergency during your trip.  
• Trip cancellation. This covers the cost of your trip if it's canceled due to one of the reasons listed on the policy contract. You may also have an option for "cancel for any reason," which provides coverage if the trip is canceled, regardless of the reason why. 
• Trip interruption. This covers costs related to a shortening of your trip. These costs might include reimbursement of prepaid hotel bookings, airline change fees, or extra accommodations needed during your trip home. 
• Emergency medical transport. This covers the cost of transportation to the nearest medical facility if you have a medical emergency during your travel. 
• Luggage damage. This provides coverage if your luggage is damaged or lost during travel. 
• Travel delay. This covers costs associated with a significant delay to your travel, including additional accommodations and meals. 

I’m concerned about getting sick while traveling. What insurance should I look for?

If you’re concerned about getting sick, be sure to choose a policy that includes coverages such as emergency medical (which helps pay for your medical expenses) and emergency medical transport (which helps pay for transportation to a hospital). 

Do I need travel insurance for a cruise?

Travel insurance is worth considering for a cruise. As insurer Allianz notes, a policy can help you recoup costs if you need to cancel at the last minute, have a medical emergency while on board or at a stop (regular health insurance may not provide coverage outside of the U.S.), or if you miss the ship all together due to a delay by your airline.

Is there travel insurance for multiple trips?

If you’re planning to take multiple trips in a single year, you might want to consider multi-trip insurance (also called “annual” travel insurance). This type of policy typically provides trip interruption, emergency medical expense, trip delay, and other coverages at a price that’s less than buying a policy for each trip. 

How do I file a travel insurance claim?

If you need to file a travel insurance claim, call the insurance company. Each company has its own process for claim filing. You'll want to be sure you have the proper claim forms and understand what supporting documentation the company requires. Be sure to follow the company's instructions for submitting your claim request.  

How long does it take for a travel insurance claim to be paid?

It can take several weeks for a travel insurance claim to be paid. Be sure to watch for any follow-up requests from your insurer (such as requests for additional documentation) and respond promptly to avoid unnecessary delays.

Does my credit card offer travel insurance?

Some credit cards do offer varying levels of travel insurance, including trip interruption, medical expense, trip delay, and emergency evacuation coverage. Check your credit card terms and conditions or benefits statement to understand what coverage may be provided.

The card_name card offers one of the best portfolios of travel insurance benefits, including $100,000 of emergency transportation coverage, $2,500 of emergency medical and dental coverage, and up to $20,000 of trip interruption coverage.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

Partner content: This content was created by a business partner of Dow Jones and researched and written independently of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More

Single-Trip Travel Insurance: Secure Your Journey with Comprehensive Coverage

Cover your trip with

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.

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

Single-trip travel insurance plans can help you manage the risks associated with travel, including trip delays, cancellations and medical emergencies. Even if these unwanted events don’t occur on your vacation, single-trip travel insurance provides peace of mind knowing you have financial support if needed.

The best travel insurance providers offer comprehensive coverage to help you avoid sunken cancellation costs and get back on track after a trip interruption. Read on to learn more about single-trip travel insurance and when to purchase a policy.

• Single-Trip Travel Insurance Policy
• Who Benefits From Single-Trip Travel Insurance?
• Selecting Single-Trip Travel Insurance
• Single Trip vs. Multi-Trip Travle Insurance

The Bottom Line

What Is a Single-Trip Travel Insurance Policy?

Single-trip travel insurance covers one trip, with coverage extending from the time of purchase to the date you return home. Single-trip plans are best for casual travelers or those who do not travel internationally often. Frequent travelers may find more value in a multi-trip or annual travel insurance plan.

Single-trip travel insurance protects you from certain risks while traveling. Policies typically reimburse costs related to:

• Trip cancellation (including your flight and hotel)
• Emergency medical treatment or evacuation
• Travel delays and interruptions
• Lost or damaged baggage
• Stolen valuables, like a camera or laptop

Trip interruption and cancellation coverage are limited to unforeseen and uncontrollable events such as natural disasters, unexpected illnesses, a death in the family or an accident. You won’t get reimbursement if you change your mind or break up with your traveling companion before the trip — unless you purchase additional cancel for any reason (CFAR) coverage .

Insurers list coverage exclusions so you are aware of limitations when buying a policy. The fine print will also include coverage limits or the maximum amounts the policy pays for a covered event.

Who Can Benefit From Single-Trip Travel Insurance?

Single-trip travel insurance can benefit individuals, families or groups who don’t travel frequently and want to cover a specific trip. A travel insurance policy can offer financial protection for trips that require a significant investment.

Many travelers purchase single-trip policies to cover medical expenses. According to the U.S. Department of State , American health insurance does not usually work overseas. If you need emergency care abroad, you will have to pay out of pocket unless you have a travel medical plan.

Here is a closer look at the advantages and drawbacks of single-trip travel coverage:

Benefits of Single-Trip Travel Insurance

Single-trip travel protection provides certain benefits to travelers.

• Flexibility: You can purchase a policy with specific coverage and limits based on what you need for your trip without paying for extras you won’t use.
• Protection from unexpected events: Cancellation and interruption coverage can help you avoid losing your travel investment or spending extra because of an accident, disaster or another event beyond your control.
• Peace of mind: Even if you do not make a claim, travel insurance provides peace of mind knowing you have financial support if you encounter an emergency abroad.

According to the U.S. Travel Insurance Association , travelers use their coverage more than other insurance services — 17.3% of people who purchase trip coverage file a claim. In contrast, only 7.3% of homeowners utilize their house insurance.

Downsides of Single-Trip Travel Insurance

There are a few negatives to be aware of when purchasing travel insurance.

• Redundancies: You may already have some travel coverage through a credit card or health insurance. Check what coverage you have to avoid paying for double protection if you purchase comprehensive insurance.
• Age limits and pre-existing conditions: Insurers may deny coverage based on your age or pre-existing medical conditions. Check your policy for coverage exclusions if you have an existing health condition. Your provider may require you to purchase a waiver before your trip to qualify for coverage.
• Coverage limits: Policy maximums can limit payout amounts. In general, cheaper single-trip policies have lower maximums. Make sure your policy covers the amount you expect to spend for your trip.

Reading the fine print of your insurance policy can help you avoid these downsides and get the most out of your single-trip insurance benefits

Choosing the Right Single-Trip Travel Insurance

One of the advantages of single-trip insurance is the ability to select the best policy for each journey. You can choose the best travel insurance provider based on how well a policy meets your needs for your specific trip plans.

Here are factors to consider when shopping for single-trip insurance:

• Trip duration: The cost of a single-trip policy often depends on how long you will be outside the U.S. For example, a two- or three-week trip is likely to cost more than a week-long vacation.
• Total trip cost: Calculating the cost of pre-booked portions of your trip can help you determine how much coverage you need. Your insurer will require you to specify a trip amount to obtain a quote.
• Your location and destination: Insurance costs can vary based on where you live. For example, coverage for a traveler from New York may cost more than the same policy for someone in Virginia.
• Deductibles: A policy deductible is what you pay out of pocket before your insurance kicks in. Higher deductibles mean lower premiums but force you to pay more out of pocket if you file a claim.

Single-trip plan costs vary depending on the above details. We recommend you get quotes from different providers, compare conditions, research exclusions and verify coverage limits before purchasing a policy. Look for a policy that meets your coverage and budgetary needs without too many extras.

Which providers should you choose? Here are five major travel insurance providers that offer single-trip plans:

• International Medical Group (IMG) offers comprehensive and travel medical care plans.
• Seven Corners has a range of insurance products, including single and multi-trip plans.
• AIG has various travel insurance plans, including coverage for last-minute travel.
• Trawick International offers comprehensive plans, including specialized coverage for students and adventure travelers.
• Travelex sells both domestic and international travel insurance policies.

It pays to get as much information as possible about each insurer so you can make an informed decision about your travel coverage purchase. You can use our quote tool to get started:

What Does Single-Trip Travel Insurance Cover?

Comprehensive single-trip insurance covers the following:

• Medical emergencies and evacuations: Single-trip travel health insurance reimburses you for medical treatments if you fall ill or have an accident. It also pays for medical evacuation or transport home if you need long-term or specialized care.
• Trip interruptions: This insurance pays for accommodations and transportation if you experience extended delays due to a disaster, conflict or other uncontrollable events.
• Delayed or lost luggage: This coverage allows you to replace lost or delayed luggage due to mishandling by your airline or other transportation provider.
• Trip cancellations: This part of the policy reimburses you for nonrefundable, prepaid portions of your trip that get canceled due to unforeseen circumstances.
• Repatriation: If you pass away on your trip, this insurance pays to have your remains returned home.
• Other coverage: Some policies protect against device or equipment theft or offer additional coverage for certain activities, like rental car usage or travel excursions. While comprehensive policies may include this coverage, other providers may allow you to purchase protection as a policy add-on.

Additional Considerations and Optional Coverages

Keep in mind that policies may have age restrictions or limit coverage for customers with pre-existing conditions. Restrictions vary by provider, so it is best to research insurers individually to understand specific limitations and requirements. However, some insurance companies allow customers to purchase pre-existing medical condition waivers.

Insurers use a similar approach for other risks, such as adventure sports like scuba diving or rock climbing. Some providers allow you to purchase add-ons to increase medical insurance coverage limits or add protection for sporting equipment and other gear.

Finally, CFAR coverage is an add-on that reimburses a portion of trip cost without requiring you to provide the rationale for your cancellation. CFAR coverage offers an alternative to standard trip cancellation insurance, which outlines specific reasons that qualify you for reimbursement.

How Much Does a Single-Trip Travel Insurance Plan Cost?

Travel insurance costs can vary based on your trip details and coverage needs. We gathered quotes from multiple providers to give you an idea of what single-trip coverage might cost for different travelers.

• Two 40-year-old travelers from New York going to Jamaica for two weeks in November with a $2,500 itinerary can expect to pay $134 with IMG Global . The policy covers trip cancellation, $250,000 in medical expenses and $500,000 in evacuation insurance.
• A 30-year-old traveling from Florida to Germany for a week in October with a trip worth $2,500 would pay $86.44 for a plan from Trawick International . Coverage includes $150,000 in emergency medical expenses, $1 million in evacuation insurance and full cancellation coverage.
• A family of four going to Mexico for two weeks in December would pay $124 per person for Travelex Insurance . The policy includes cancellation and interruption coverage, $50,000 per person in medical insurance and $500,000 in evacuation coverage.

The above examples include prices from mid-range plans that offer comprehensive coverage.

Single Trip Travel Insurance vs. Multi-Trip Travel Insurance

Most insurance providers offer multi-trip or annual policies that provide coverage for more than one journey. This option provides more value than single-trip plans in certain situations.

Here are situations in which a single-trip policy may be the better option:

• If you travel frequently but rarely go abroad and want coverage for international travel.
• If you are planning a once-a-year family trip and want cancellation coverage to protect your investment.
• If you are traveling for a special occasion and want protection so you can travel elsewhere if the trip gets canceled.
• If you might require medical coverage while traveling abroad and want to avoid paying for treatment out-of-pocket.

Multi-trip policies are better in some circumstances, including:

• Frequent international travelers may be able to get a better rate with multi-trip coverage.
• Digital nomads and expatriates living abroad for work often need health coverage provided by an annual plan.
• Anyone with more than two trips planned during a calendar year may get better value from multi-trip policies.

In most cases, the decision comes down to how much time you spend abroad and the number of trips you take during a given year.

Single-trip insurance is worthwhile because it protects you from common travel risks, including cancellations, delays and medical emergencies. These plans can also provide peace of mind knowing you will have financial support if the unexpected happens during your trip. While single-trip policies are best for travelers looking to cover one excursion, frequent travelers may benefit more from multi-trip coverage.

Use our research tool to find the best single-trip policy for your next vacation:

Frequently Asked Questions About Single-Trip Travel Insurance

Does single-trip insurance cover travel cancellation.

Most single-trip plans include trip cancellation coverage. With this insurance, your provider agrees to cover a portion of nonrefundable costs if your trip gets canceled for a covered reason. Check your policy for coverage details.

Can I buy a single-trip travel insurance policy if I've already left for my trip?

Policies for purchasing coverage vary based on the company. Many companies require you to purchase insurance before departure to receive the full benefits. But some companies, especially those specializing in travel health insurance, allow you to buy a policy at any time. However, travel medical insurance often has a waiting period of up to 72 hours before coverage starts. This wait ensures you don’t buy coverage after you are already sick.

Does single-trip travel insurance coverage include baggage loss?

Most travel insurance policies include coverage if you experience a baggage delay or an airline loses your luggage. You may also have coverage for luggage theft or damage up to a certain amount.

Find the best [category]

All our policies include cover for Covid-19 as standard, to help you decide if this cover is suitable for your needs please view our dedicated Covid Page which explains how your cover applies in a number of circumstances.

While we recommend you read our Covid Page to understand in more detail the cover we include as standard the information below provides you with an overview of the core cover.

Cancelling due to Covid: You will be covered if you need to cancel your trip because:

• You or a close relative are diagnosed with or have contracted COVID-19
• You are required to self-isolate, subject to a positive test result/confirmation from a GP
• Someone you were due to travel with or stay with on your trip needs to self-isolate.

Cutting your trip short: You will be covered if you need to cut your trip short because:

• You have been denied boarding at your UK departure point because you have COVID-19 symptoms
• If you need to come home early because a close relative has COVID-19
• The Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority in a country in which you are travelling in advise you to evacuate or return home.

Emergency medical cover for COVID-19: If you develop COVID-19 whilst abroad your policy will cover you for:

• Emergency medical treatment, repatriation and other expenses
• Additional transport and accommodation if you are unable to return home as planned.

Our policies DO NOT require you to be vaccinated against Covid. Please note however that our policies do not offer any cover if you fail to hold the relevant documentation as required by your airline (or other public transport such as a cruise ship or train) or destination country. For example if your destination country requires you to provide either proof of being fully vaccinated or a current negative test certificate and you are denied boarding/entry due to not providing valid documents there is no cover under our policies.

Our policies do not cover the costs of Covid testing or vaccination either prior to, during, or post your trip.

Please note that all cover noted above is subject to terms and conditions.

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Single Trip Travel Insurance

What is single trip travel insurance.

As you might expect, single trip travel insurance covers you for a one-off trip that lasts a month or less. If you are a frequent flyer and go abroad twice or more a year, it may be slightly cheaper for you to buy an  annual travel insurance policy .

What does single trip travel insurance cover?

The exact level of cover will vary depending on the type of policy you take out but the best single trip travel insurance policies will include:

• Delayed flights   – you’re covered if your flights delayed in certain circumstances.
• Medical conditions including repatriation costs   – generally cover will be included for any medical treatment you need when you’re abroad, however, if you’ve declared any pre-existing medical conditions, it’s likely that treatment for that particular condition won’t be included.
• Trip cancellation – if you need to cancel your trip due to an illness or because your travel company has gone bust, you’ll be able to claim on your single trip travel insurance. Cancellation cover applies from the minute you buy your policy until the end of your holiday.
• Lost luggage and personal belongings   – your personal belongings such as phones, cameras, luggage and cash are insured if they’re lost or stolen, however, you need to ensure your policy covers the cost of your valuable items.
• Legal costs   – including cover for accidents that weren’t your fault and accidents that were your fault.

What’s not covered on your single trip holiday insurance?

• Behaving recklessly or illegally.
• Intentionally causing harm to yourself or someone else.
• Winter sports such as skiing and snowboarding, however, you can get additional winter sports cover at an extra cost if necessary.
• Taking part in high-risk activities such as sky-diving, bungee jumping and scuba diving.  
• Accidents that occur when you’re under the influence of alcohol or drugs.

What are the pros and cons of single trip travel insurance?

• Covers the exact number of days you’re away for
• Cover for your trip begins when you buy a policy
• Higher or no age limits compared to annual travel insurance
• More cost-effective than annual travel insurance if you’re only going away once
• Most policies limit the length of time you’re covered for
• You might not be covered if you’re visiting several locations on one trip

What other types of travel insurance can I get?

• Annual travel insurance  – provides cover for multiple trips over 12 months.
• Winter sports travel insurance  – if you’re planning on doing any winter sports, you’ll need extra cover.
• Family travel insurance  – provides cover for the whole family under one joint policy.
• Cruise travel insurance  – if you’re going on a cruise, you’ll need specific cruise travel insurance policy in place.
• Over 65s travel insurance  – if you’re over 65, you’ll need a specialist travel insurance policy in place before you travel.
• Business travel insurance  – provides specific cover for people that are travelling abroad for work.

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Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

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Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

UPDATED: Nov 3, 2014

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Should You Buy Travel Insurance for Holiday Travel?

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 .

Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines' holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

Despite the chaos, holiday travel shows no signs of slowing down this year. About 50% of Americans plan to pay for flights or hotel stays this holiday season, according to a NerdWallet survey conducted by The Harris Poll in September among over 2,000 U.S. adults. They will be referred to as “2023 holiday travelers” going forward.

More than a third of 2023 holiday travelers (35%) say they will keep their usual holiday travel plans this year, regardless of expense. And given the rising cost of gas , a quarter (25%) of those traveling say they’re flying rather than driving.

If you're determined to get your dose of festive cheer, you may wonder if it's worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let's take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn't capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That's almost back to 2019 pre-pandemic levels (419.7 million). 

On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.

Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.

The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019. 

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

Insurance aside, one way to lower the risk of disrupted travel is by adjusting when or how you fly. Nearly 2 in 5 2023 holiday travelers (35%) in the NerdWallet survey plan to avoid busy travel days by extending the duration of their holiday trips.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

Whether your trip is nonrefundable.

Where you're going.

If your credit card has built-in protection.

What your health coverage is at the destination.

Let's assume you're traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

Some travel credit cards offer basic trip cancellation or interruption, baggage delay coverage and rental car coverage up to a certain dollar amount. If you think the options your credit card provides are good enough, you won’t need additional coverage.

If you don't have a credit card with built-in protection or the limits aren't high enough for you, look into buying a stand-alone travel insurance policy.

You can opt for the trip insurance your airline offers, buy it directly from an insurance provider or get it via an online travel agency such as Expedia . You can also compare quotes from travel insurance marketplaces you can find online. The cost of your policy will depend on the details of your trip.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

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 2023 , 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-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

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

1.5%-5% Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.

Unlimited Matched Cash Back Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Best travel insurance companies for November 2023

Editors Note: Our editors’ evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission when you click on our affiliate partners’ links.

While finding the right travel insurance policy requires some upfront work when you're planning any kind of trip, an investment in this coverage can be worth its weight in gold. This is mainly because travel insurance pays for emergency medical expenses that occur if you become sick or injured on vacation, as well as for various incidental expenses that pop up when your flight is delayed or your luggage is lost when you arrive at your destination. 

Without travel insurance, you could get stuck with financial losses and have to endure more hassle and stress than necessary. To help in your search for the right coverage, we have highlighted some of the best travel insurance companies based on their available plan types, policy limits and accessibility. If you're ready to buy travel insurance for your next vacation, read on to learn about our top picks.

Best travel insurance companies overview

* * * Sample travel insurance premiums are based on a seven-night trip to Cancun, Mexico for two 35-year-olds in July of 2024 with a trip cost of $5,000.

Travel Guard

• Choose coverage based on your needs
• Cancel for any reason coverage available
• Pre-existing conditions waiver available
• Add-on coverage options to customize your plan
• Annual and last-minute plans available
• Maximum emergency medical coverage of $100,000 with this provider
• Essential plan includes only basic coverage

In addition to offering an annual travel insurance plan and a Pack N' Go Plan for last-minute trips, Travel Guard offers three main levels of coverage for various vacation types: a basic Essential Plan, a mid-tier Preferred plan and a more comprehensive Deluxe plan. These three plans offer various levels of coverage for trip cancellations and interruptions, emergency medical expenses, baggage delays and more.

The company's most popular Preferred plan automatically comes with trip cancellation coverage worth up to 100% of the prepaid trip cost, trip interruption insurance worth up to 150%, baggage coverage worth up to $1,000, coverage for baggage delays worth up to $300, emergency medical expense coverage worth up to $50,000 and up to $500,000 in protection for emergency medical evacuation, among other benefits.

Travel Guard's Preferred and Deluxe plans offer the option to add "cancel for any reason" coverage that lets travelers cancel their trip and get part of their prepaid expenses back for any reason at all. This provider also offers a pre-existing conditions medical exclusions waiver for people who purchase their travel insurance coverage within 15 days of making an initial trip deposit.

• Highly customizable plans
• Kid-included pricing
• "Cancel for any reason" upgrade available with Travel Select Plan
• No annual plans available
• Coverage with Travel Basic plan is limited

‌ Travelex is another top travel insurance provider that offers unique plans for different types of trips. Travelers can choose from a Travel Basic plan with minimal coverage included, a more robust Travel Select plan or a Travel America plan that's geared to people who are vacationing within the United States.

The Travel Select plan from Travelex is worth considering since it automatically includes trip cancellation coverage worth up to $50,000, trip interruption insurance worth up tp $75,000, $2,000 in coverage for trip delays, missed connection coverage worth $750, baggage and personal effects coverage worth up to $1,000, coverage for medical emergencies worth up to $50,000 and emergency evacuation coverage worth up to $500,000 (with an escort coverage limit of $25,000), among other benefits.

Travelex plans also stand out since pricing covers children on its plans automatically and since multiple add-on coverage options are available to customize a plan. Note that the Travel Select plan has the most flexibility since it comes with optional add-ons like car rental coverage, cancel for work coverage when purchased early, a pre-existing medical exclusions waiver, an adventure sports exclusion waiver and more.

Seven Corners

• Generous limits for emergency medical expenses and evacuation coverage
• CFAR upgrade available
• Broad range of plans to choose from
• Highest tier coverage can be pricey

‌ Seven Corners offers several types of travel insurance plans for various types of situations, including annual travel insurance coverage, medical-only travel insurance and medical coverage with emergency evacuation protection only. The company also offers a Trip Protection Basic plan and a Trip Protection Choice plan with comprehensive coverage that can protect most trips.

The Trip Protection Choice plan from Seven Corners offers some of the best travel protection out there thanks to its high coverage limits and included benefits. For example, this plan comes with up to $500,000 in coverage for emergency medical expenses, medical evacuation and repatriation coverage worth up to $1 million, trip cancellation coverage and interruption coverage that are both worth up to 100% of the total trip cost, trip delay coverage worth up to $2,000 and a pre-existing conditions waiver. Add-on coverages available with this plan include cancel for any reason (CFAR) coverage, interruption for any reason (IFAR) coverage and protection for event ticket registration fees.

Generali Global Assistance

• Fully refundable after "free look" period
• Generous limits for emergency medical expenses
• Fewer plan options to choose from
• Pre-existing medical conditions waiver only available with Premium plan
• Optional CFAR coverage only available with Premium plan

‌ Generali Global Assistance keeps things simple by offering three main travel insurance plans that can apply to any trip: a fairly basic Standard plan, a Preferred plan and a Premium plan. These plans offer a minimum coverage amount of $50,000 for emergency medical expenses, which is higher than some other providers. Plus, all plans offer coverage for trip cancellations worth up to 100% of the prepaid trip cost.

The Preferred plan from Generali Global Assistance is the mid-tier coverage option that would work best for travelers who want more than minimum coverage. This plan includes trip cancellation coverage worth up to 100%, trip interruption coverage worth up to 150%, travel delay coverage worth up to $1,000 per person, baggage coverage worth up to $1,500 per person, sporting equipment coverage worth up to $1,500, medical and dental coverage worth up to $150,000 per person ($500 limit for emergency medical expenses), emergency evacuation coverage worth up to $500,000, and a lot more.

Squaremouth

• Compare plans and costs from multiple companies at once
• Multiple coverage types available
• Not an insurance provider
• Plans vary widely
• Research required before you buy a plan

‌ Squaremouth is a travel insurance marketplace that lets users compare prices and plans among multiple travel insurance providers. This means that all kinds of plans and coverage options are offered on the platform, but it also means that Squaremouth does not provide the travel insurance coverage you buy.

Having the chance to shop around with several travel insurance companies in one place makes it easier to price shop and find the best deal. Note that Squaremouth offers plans from all kinds of top providers including Berkshire Hathaway, IMG, Tin Leg, AXA Assistance USA, Travelex and Seven Corners.

TravelInsurance.com

• Compare multiple plans from top providers
• Tailor your coverage to your needs

‌ TravelInsurance.com is another online platform that lets users compare pricing and policies across multiple travel insurance providers at the same time. This platform offers coverage options through reputable companies like Travelex, Generali Global Assistance, Seven Corners and John Hancock, and with various levels of coverage and benefits included.

The platform also makes investing in travel insurance fast and easy, and you can get coverage instantly by email after paying the required premiums for your chosen plan.

What does travel insurance cover?

Not all travel insurance plans are the same, and many policies have more protections than others. That said, the main coverages you can get with a travel insurance policy include the following:

• Trip cancellation coverage: This type of coverage reimburses prepaid travel expenses when a trip must be canceled due to a covered reason like the sudden illness of a traveler or a natural disaster that makes the vacation destination uninhabitable.
• Trip interruption coverage: This coverage reimburses for prepaid travel expenses when a trip must be interrupted after it's begun for a covered reason, such as someone becoming extremely ill while on vacation.
• Travel delay coverage: This protection can pay for hotel rooms, unplanned meals and other surprise expenses when a trip is delayed by a common carrier.
• Lost luggage reimbursement: This type of insurance provides reimbursement when bags are lost or stolen while in the care of a common carrier.
• Baggage delay coverage: This coverage pays for incidental expenses like toiletries and phone chargers when bags are delayed by a common carrier.
• Emergency medical expense protection: This important protection pays for surgery, hospital stays, visits to a local clinic or more when a traveler becomes sick or injured on a trip.
• Emergency evacuation coverage: This coverage can pay for emergency evacuation when someone is severely injured or becomes very ill during a trip, including transfers in a helicopter, an ambulance and more.

How do you get travel insurance?

Lining up travel insurance is easy since the top travel insurance providers offer free quotes and the ability to pay for coverage online. To make sure you have travel insurance in place for your upcoming getaway, all you have to do is visit a provider website or a comparison platform like Squaremouth or TravelInsurance.com and supply the following information:

• Age of travelers.
• Number of travelers.
• Travel destination.
• Total trip cost.
• State of residence.
• Travel dates.
• Date of initial trip deposit.

Once you provide these details about your traveling party and your itinerary, you'll be shown which plans are available for your trip and have the opportunity to compare them based on coverages included, policy limits, available add-ons and more.

How much does travel insurance cost?

The cost of travel insurance varies based on the age of travelers, how long the trip will last, the total trip cost and other factors. However, our internal analysis on the cost of travel insurance shows that average plan costs range from 4% to 11% of your trip based on trip cost alone.

This means that, for an average trip that costs $5,000 and lasts seven nights, travel insurance premiums could range from $200 all the way up to $550 depending on coverage included, available limits and benefits offered in the plan.

When should you get travel insurance?

You can purchase travel insurance any time up until a few days before you depart on your trip, yet you'll miss out on some optional benefits you may want if you wait that long. For example, plans that offer optional "cancel for any reason" coverage or a pre-existing conditions waiver typically require travelers to pay for their policy within a few weeks (usually 15 to 20 days) of making an initial trip deposit.

Shopping early for travel insurance can also give you time to compare plans and lock in the best price, whereas waiting ensures you are stuck paying for whatever coverage you can find. Our advice? Shop for travel insurance within days of booking airfare and other major trip plans to get the best price and access the most options overall.

Other ways to get travel insurance 

While you can purchase travel insurance coverage from any of the top companies, you can also get some travel insurance protections through various travel credit cards . Just remember that travel insurance offered through cards can be limited in general, and that you have to pay for the trip with your card for this free coverage to apply.

Also note that credit cards with travel insurance tend to come up extremely short when it comes to offering emergency medical expense coverage. The majority of travel credit cards with travel insurance benefits do not offer this coverage at all, and ones that do offer insufficient protection. As an example, most experts would agree that the Chase Sapphire Reserve ® offers the best travel insurance coverage of any travel credit card on the market today, yet it only offers up to $2,500 in coverage for emergency medical expenses (subject to a $50 deductible) and a daily hospital benefit of $75 (for up to five days).

Methodology

We chose the best travel insurance companies based on the range of plans offered, coverage limits that apply and the add-on coverages available. We also looked for providers who offer plans with CFAR coverage as an option, as well as pre-existing condition waivers when requirements are met. 

Companies that made our list of the best travel insurance companies all have very good or excellent ratings with A.M. Best based on financial strength. We also gave preference to companies that make it easy to get a travel insurance quote online and line up coverage from the comfort of home.

Frequently asked questions (FAQs)

Does travel insurance get more expensive closer to the trip.

Travel insurance may or may not get more expensive the longer you wait. However, shopping for coverage early gives you more time to compare policies and prices to find the best deal.

What is a good rate for travel insurance?

With the average travel insurance policy costing 4% to 11% of the total trip cost, policies that cost on the lower end of that range offer the most value. That said, lower cost travel insurance coverage tends to come with fewer included benefits and lower policy limits. 

What does travel insurance not cover?

Travel insurance companies all have their share of fine print that dictates situations not be covered by a plan. While exclusions can vary, most travel insurance companies do not cover acts of war, losses caused by dangerous activities, medical expenses related to pre-existing conditions (when a waiver is not in place) and non-emergency medical care.

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You asked: Should I buy travel insurance for my honeymoon?

By the way concierge checks in with insurance experts on one couple’s concerns.

Traveling has always come with complications. Our By The Way Concierge column will take your travel dilemmas to the experts to help you navigate the new normal. Want to see your question answered? Submit it here .

When she’s not managing social media for The Washington Post climate team , Erica Snow is busy planning her June 2024 wedding and honeymoon to South Africa and Mozambique. This week, we’re helping her tackle one question that’s come up with readers often: “Do I need travel insurance for my honeymoon? It seems really expensive. Apparently less than $500 per person is a good deal. Does the price depend on where I’m going?”

Long story short: Get the insurance. Or as Laura K. Frazier, founder of Bliss Honeymoons , summed it up: “Unless they are independently wealthy and willing to lose thousands of dollars, they should spend the money and get trip insurance every single time.”

The longer story: I went to travel planners, insurance reps and former honeymooners with your question, and the overwhelming majority came to the same conclusion that this is probably the most expensive trip you’ve ever planned, so travel insurance is essential.

Let’s start with how it’s priced. Steven Benna, the marketing manager for the travel insurance marketplace Squaremouth , says where you’re going isn’t really a factor. What does matter is how long your trip is, how much it costs, how old you are and what you want insured.

There are few different types of travel insurance to consider for your trip:

• A trip cancellation or interruption policy: These plans cover the costs associated with disruptions before or during your trip, such as getting sick or flight cancellations.
• A medical policy: This will cover you for any illness or injury during your trip, plus emergency medical transportation.
• A comprehensive policy: These packages are a one-stop shop to protect your honeymoon. These bundles can include coverage for trip cancellations, travel delays, medical emergencies, lost luggage and more. Expect to pay between 5 and 10 percent of the trip cost for these.
• A policy through your credit card: If you booked your trip with a credit card, you may already have some coverage for things such as trip interruption, evacuations and lost luggage.
• A “cancel for any reason” policy: This is an expensive add-on so you can cancel your trip beyond those covered reasons.

If costly parts of your trip are nonrefundable, I’d go with a comprehensive package to protect your investment from the many surprises that could unfold. I heard stories from the travel planners about their unlucky honeymooners. Some were simple, such as flights being canceled, throwing itineraries out of whack. Then there were burst appendixes, emergency rehab and deaths in the family. Worse yet, “we had two different couples call off their wedding last year because they broke up ,” Frazier said.

They got a hotel voucher in 1983 for their wedding. They’re using it Sunday.

If you don’t go for a comprehensive package, at minimum, you’ll want a medical policy. However, it won’t cover you if you get sick before your trip. Daniel Durazo, director of external communications at Allianz Partners USA , says many Americans are surprised to find they aren’t covered by their personal health insurance when they go abroad. “If you get sick or injured in Mozambique, you’re going to have to pay for that out of your pocket,” he said. “And you probably won’t be reimbursed by your domestic health insurance company.”

If you’re curious what other travelers have done, the honeymooners I surveyed had mixed feedback. Most said they bought insurance because the trip was too expensive to risk. A handful were very relieved they did, such as the couple who got the coronavirus and had to postpone, or the spouse who was struck in the head by a falling rock on their trip and needed stitches. Others made sure to book an itinerary that could be refunded. Some said they skipped buying a policy and relied on their credit card’s travel insurance coverage.

Esther Klijn, an adviser with Cire Travel, notes that travel insurance isn’t a perfect safety net and doesn’t cover everything. For example, you’ll need a special policy if you’re partaking in adventure sports such as bungee jumping. Most insurers won’t approve your claim if an accident happens while you’re under the influence. And with general trip cancellation policies, you can’t skip the trip for fear of something bad happening. That’s when you’d need a cancel-for-any-reason policy, which will still only get you a percentage of your money back.

For some of those concerns, you can get an additional cancel-for-any-reason policy that will give you more flexibility. However, “it does typically increase the policy’s premium by about 50 percent,” Benna said.

Go into your travel insurance shopping with an idea of what exactly you want covered, and read the fine print. As for who to go to, travel advisers say it depends on the trip. But adviser Marisa DeSalvio said Travelex is a favorite for its strong customer service, and Piper Fenton of Remarkable Honeymoons has sworn by Allianz for the past seven years.

If you’re getting sticker shock, I have two words for you: wedding registry. Whether you add a policy as its own line item or factor it in to your budget from the honeyfund, crowdsource the cost from your loved ones.

Have a question for By The Way Concierge? Submit it here .

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The basics: Better travel 101 | Cash-free tipping | Should you always book direct? | Traveling with kids | Decide where to stay | A pre-trip checklist of house chores | How to get your passport | Avoid getting sick | Budget for your trip | Do you have the right travel insurance? | How to travel with pets

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Greener travel: New rules of responsible travel | Bike to the airport | How environmentalists travel | How to find ‘greener’ flights | Make your travel better for the planet

Go by train: Overnight Amtraks | Grand Canyon | Vietnam | Harper’s Ferry

In case of emergency: | Make a backup plan | Manage airport disasters | Your flight is canceled | How to get a human on the phone | What to do if your car gets stuck | Find your lost luggage | How to get a refund for a canceled flight | Deal with a bad hotel room | When you’re bumped off your flight | If you get rebooked without your family | What are my rebooking rights? | Recover a lost item at TSA, the airport or your flight

Best Pet Friendly Hotels in Moscow, ID

Pet friendly hotels in moscow, property types, distance from, traveller rating, hotel class.

• Best Value Properties ranked using exclusive Tripadvisor data, including traveller ratings, confirmed availability from our partners, prices, booking popularity and location, as well as personal user preferences and recently viewed hotels.
• Traveller Ranked Highest rated hotels on Tripadvisor, based on traveller reviews.
• Distance to city centre See properties located closest to the centre first with confirmed availability for your dates from our partners

1. Best Western Plus University Inn

2. La Quinta Inn & Suites by Wyndham Moscow Pullman

3. Super 8 by Wyndham Moscow

4. Monarch Motel

5. Paradise View Bed & Breakfast

6. FairBridge Inn - Moscow

Fairfield Inn & Suites Moscow

Moscow Hotels Information