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June 1, 2020

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Find the Right Travel Insurance Plan for You

Whether you're traveling for leisure or business, you'll appreciate the benefits and coverage Allianz Travel Insurance plans can provide. With 24/7 support from our travel professionals around the world, we helped over 70 million people last year to protect themselves from the unpredictable.

OneTrip Prime

AllTrips Executive

OneTrip Rental Car Protector

OneTrip Basic

OneTrip Premier

OneTrip Emergency Medical

OneTrip Cancellation Plus

AllTrips Basic

AllTrips Prime

AllTrips Premier

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

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

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Personal Finance

Best insurance for international travel 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 .

 If your plans include international travel, you’re in good company. Nearly 22% percent of Americans said they intend to visit a foreign country in the coming six months, according to data published by the Conference Board, an economic research organization. That’s the highest percentage ever. 

If you are among them, as you dust off your passport and plan your itinerary, you may also want to consider travel insurance. International travel often entails not only high costs, but high complexity. For example, a flight to an overseas destination can involve multiple connections. And the policies we rely on at home—including our health and car insurance—typically don’t provide coverage when we’re out of the country.

Let’s look at how several leading international travel insurance companies and how their offerings compare.

Compare the best international travel insurance companies 2023

Our recommendations for the best international travel insurance companies, best for spontaneous travelers: aig travel guard.

AIG Travel Guard

Pros & cons:.

• Optional Pack N’ Go plan is tailored to the needs of spontaneous travelers.
• Among the lowest-cost plans in our review.
• Medical coverage amount is lower than most among our recommendations. 
• Cancel for any reason (CFAR) coverage is not available with its most economical plan.

Many people take weeks or even months to plan out their international travels. Others like to go on a whim. If spontaneity is the name of your international travel game, AIG Travel Guard may be for you. Its “Pack N’ Go” coverage plan eliminates trip cancellation coverage, helping you save money off their already competitive prices.  

Best for annual travel insurance plans: Allianz

Allianz Travel Insurance

• Wide variety of international travel insurance plans, including annual plans.
• Covers pre-existing medical conditions.
• Among the more expensive travel insurance plans.
• Most economical plans offer less coverage than others.

Allianz offers a wide range of travel insurance options, including annual plans. If you plan to go overseas two or more times in the coming year, Allianz may be a good choice for your travel insurance needs.  

The coverage levels in the Allianz Basic plan are more modest than those of the other companies in our review. However, the plan does waive the exclusion for pre-existing medical conditions provided certain criteria are met. And with Allianz’s many available plans, you’re likely to find an international travel insurance policy that’s right for you.

Best for pre-existing conditions: Berkshire Hathaway

Berkshire Hathaway Travel Insurance

• Coverage for pre-existing conditions included with all of its travel plans.
• Among the lowest-cost plans.
• One of the lowest levels of emergency medical expense coverage.

Many companies deny coverage to those with pre-existing medical conditions. Others offer a waiver of the pre-existing condition exclusion, but only as an option on a high-cost plan. Berkshire Hathaway bucks those trends. It covers pre-existing conditions (as long as you meet certain criteria). And at $198, Berkshire Hathaway is one of just three plans that cost less than $200 in our review.

Best for baggage coverage: Generali

Generali Travel Insurance

• Highest limits for baggage coverage. 
• Impressive selection of concierge services included
• The most expensive travel insurance plan in our review.
• Cancel-for-any-reason (CFAR) coverage is only available as an option with its most expensive plan.

If your international travel nightmares include losing your luggage (and thus having to wear the same clothes every day during your trip), consider Generali insurance. Of the plans we reviewed, Generali offered the most coverage for lost luggage, at $1,000. That ought to be enough to restock your travel wardrobe and personal items. Generali also offers $200 coverage for baggage delayed more than 24 hours. Higher limits for both coverages are available with their more expensive plans. 

Best for medical coverage: Seven Corners

Seven Corners

• Emergency medical expense coverage is twice that of any other plans in our review
• CFAR coverage is available as an option with its most economical plan.
• $500 for lost or delayed baggage is among the lowest.

Emergency medical expense coverage is one of the most important reasons to have travel insurance when overseas. Most private insurance plans provide little or no coverage outside of the U.S. For medical coverage available with a basic travel insurance plan, Seven Corners is an excellent choice. It covers up to $100,000 of emergency medical expenses, which is twice the amount covered by any other plan in our review. It also provides up to $250,000 of coverage for emergency evacuation, which helps reimburse your costs of transportation to a qualified medical facility if you have a serious illness or injury during your trip.

Best for active travelers: Tin Leg

Tin Leg Travel Insurance

• Lowest-cost plan in our review.
• Offers benefits targeted to athletes and active people.
• Car rental coverage is not available as an option with its most economical plan.
• Coverage for pre-existing medical conditions is not available as an option with its most economical plan.

If your idea of a great international vacation includes adrenaline, sweat, and maybe toeing a start line, check out Tin Leg. Its Economy plan includes coverage for sports equipment (bicycles, skis, etc.) and even provides reimbursement for sports fees should your travel plans change. Tin Leg’s Standard plan adds coverage for adventure sports such as motor racing, climbing, SCUBA, zip lining, and professional athletic events.  

Best for families traveling with young children: Travelex

Travelex Travel Insurance

• Children under 17 covered at no extra cost under its Select plan.
• Car rental coverage is available as an option with all plans.
• Medical expense coverage is one of the lowest in our review.

Traveling overseas with young children can be rewarding, but it can also be a daunting and costly prospect. Having travel insurance can help mitigate some of the financial concerns. While Travelex’s most economical plan is among the least expensive in our review, you might want to spring for its Select plan, which includes free coverage for children under age 17, provided their trip cost does not exceed that of the adults.  

Methodology

We reviewed plans from several travel insurance companies , focusing on trip coverages, medical expense coverages, and baggage coverages. We noted which companies offered options such as car rental coverage, along with unique features and services. 

Our cost information is based on quotes for each company’s lowest-cost policy. We quoted two adult travelers and a five-day trip to France in April 2024 valued at $5,000. These costs are provided for comparison purposes only. Your travel insurance costs will vary based on factors such as your number of covered travelers, destination, plan choice, and optional coverages. 

How to choose an international travel insurance company

When shopping for international travel insurance, you have multiple areas of coverage to consider including the following: 

Trip coverages

Coverages such as trip cancellation and trip interruption help reimburse your costs if you have to cancel or cut short your travels due to an illness, accident, or other reason outlined in the policy. Choosing CFAR coverage (an option with many policies) means you can be reimbursed regardless of why you cancel your plans—even if you just have a change of mind. 

Medical coverages

Coverages such as emergency medical expenses and medical evacuation help reimburse your costs if you’re injured or become ill while traveling. Some companies may exclude coverage if, for instance, your injury happens as a result of an adventure sport. But you may be able to add this coverage as an option. Keep in mind that U.S. private health insurance typically does not provide coverage outside of the country.

Baggage coverages

Baggage coverages provide reimbursement if your luggage is lost or stolen, or is delayed in transit. This reimbursement is intended to help you pay to replace clothing, personal items, and other things you need to continue your travels comfortably.  

Optional coverages

You may also need to consider additional options such as rental car coverage. While car rental companies often provide liability coverage as part of the rental agreement, they don’t include coverage for damage to the car. Choosing optional car rental coverage from your travel insurance provider can often be a much more cost-effective way to get this important coverage than choosing the car rental company’s optional collision and loss damage waivers. And note that while the comprehensive and collision coverages on a personal car insurance policy often extend to rentals in the U.S., they do not typically apply in international rental situations.

Compare multiple quotes

To get the international travel insurance you need, you can visit company sites individually. All of the companies in our review offer the ability to get a quote within just a few minutes. Alternatively, you can use a service such as Squaremouth or Travelinsurance.com . These allow you to get quotes from multiple international travel insurance companies with a single input of your information.  

Which factors determine the cost of your international travel insurance?

Several factors determine the cost of international travel insurance. These include:

Number of travelers

Typically, insurance for a larger travel party will cost more than insurance for a smaller party.  

Traveler age

Older travelers tend to be at greater risk for health issues, according to insurer Allianz. Because of this, insurers tend to charge them more for international travel insurance.

Destination

Higher medical costs in a particular country or political instability that may cause trip cancellation can cause a travel insurance policy to cost more. 

Cost of trip

An expensive trip will cost more to insure than a less expensive trip.

Plan and optional coverage selections

All of the companies in our review offer multiple travel insurance policy options—generally a basic plan with the most limited coverage, and one or more upgraded plans with higher levels of coverage. They also offer options such as car rental and CFAR coverage. As with virtually any type of insurance, choosing more coverage means you’ll pay more for the policy.  

Other international travel insurance considerations 

Some countries require international travel insurance.

According to insurer Generali , the following countries currently require travel insurance: Antarctica, Bhutan, Ecuador, Thailand, Turkey, United Arab Emirates, Uruguay, and Vietnam.  

International travel insurance may not cover everything

What your travel insurance does and does not cover will partly depend on the details of your plan. Review your plan options and documents carefully to get the coverage you need. 

In general, plans will always exclude coverage for epidemics, known storms, acts of war, dangerous activities, and travel restrictions put in place by the local government. 

You may have other sources of international travel insurance 

Many credit cards provide travel insurance as part of their cardholder benefits—check with your card provider to learn more. You may find that your card provides enough to cover the cost of your trip, or that you can supplement it with a lower-cost policy from an insurance company. 

TIME Stamp: Protect your travel investment with insurance

More Americans than ever are or plan to  travel overseas. If you’re getting ready to head off on an international adventure, consider travel insurance. International travel is costly and can be complex. Insurance helps protect the investment you’ve made in your trip, while providing important coverage while you’re in another country.   

Frequently asked questions (FAQs) 

What is the best travel insurance for international travel.

The best policy will depend on your needs and budget. Our review includes  several international travel insurance providers. Each offers multiple plans at different price points, and options to help you customize coverage to your international travel needs.  

Why should I buy international travel insurance?

After spending perhaps thousands of dollars (or more) on a trip overseas, spending another few hundred dollars on travel insurance could be a tough pill to swallow. But consider what would happen if you got sick or injured, had a change of priorities at work, or encountered a family issue such as the death of a close relative. You might have to cancel your trip, and you’d likely lose any non-refundable charges such as airfare, lodging, and activities. Travel insurance would help reimburse those costs. 

Consider also that coverages we take for granted at home, including car insurance and health insurance, may not extend to international destinations. Travel insurance can help ensure you have those coverages.  

Which health insurance is best for international travel?

U.S. private health insurance companies, along with Medicare and Medicaid, do not provide coverage outside of the U.S. Our choice for the best international travel insurance medical coverage is Seven Corners. Its plan includes $100,000 of emergency medical expense coverage.  

How much does international travelers insurance cost?

International travel insurance costs vary, but are generally affordable. Our review included quotes from several companies for two adults traveling to France in April 2024, on a five-day trip valued at $5,000. Costs ranged from $192 to $320 for those companies’ most cost-effective plans. 

How do I choose an international travel insurance policy?

To choose an international travel insurance policy, consider your coverage needs for trip cancellation, medical expenses, and lost luggage. Think about the options you might want to add, such as car rental insurance or a waiver of the pre-existing medical condition exclusion. 

Once you have all your needs outlined, get quotes from multiple companies. Services such as Squaremouth or Travelinsurance.com can make this easy.

How much international travel medical insurance do I need?

Choose at least $50,000 worth of medical coverage when traveling internationally. If you’re headed to a remote destination, or one where the cost of healthcare services is particularly high, consider choosing a plan with at least $100,000 of medical coverage.

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

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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.

Compare single trip travel insurance providers

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

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

Factors we considered when picking travel insurance companies

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

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

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

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

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

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

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

The average cost for an annual travel insurance plan came out to $192, though you may notice that Seven Corners' basic coverage cost of $386 drove the average up. The plans ranged from $83-$200 otherwise.

Top annual travel insurance options

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

Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

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

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

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

World Nomads

What makes World Nomads great:

Absolute lowest cost. 

Provides travel medical coverage.

Includes sports and adventure activities.

Here’s a snippet from our World Nomads review:

“World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections.”

Seven Corners

What makes Seven Corners great:

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

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

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

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

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

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

Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

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

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

What does travel insurance cover?

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

Accidental death insurance .

Baggage delay insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Lost luggage insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

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

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

Many credit cards come with complimentary travel insurance .

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

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

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

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

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 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-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

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

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®.

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

75,000 Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

*Discount applies to the base price only and is automatically applied to your quotes. Ends 04/12/23. T&Cs apply.

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We know travel insurance is the most boring thing about your holiday, which is why we want to make getting it sorted as quick and as simple as possible.

Whether you’re going for a fortnight in the Seychelles, a city break to New York or several months travelling around Asia, our worldwide travel insurance could save you time and money.

What is worldwide travel insurance?

Looking to see the world? The globe is a pretty big place, so making sure you’re protected is essential. Worldwide travel insurance is there to cover you for medical treatment, loss of personal items, flight cancellations and much more.

Which countries are included in worldwide cover?

Many insurers may say they provide worldwide travel insurance, but when you read the small print you realise that some destinations have been excluded.

If you’re planning a one-off trip, you can let us know the country or countries you’ll be travelling to. If you’re buying an annual policy, then we group the destinations into four areas:

• Europe (plus all countries bordering the Mediterranean Sea, plus Madeira and the Azores)
• Worldwide (except the USA, Canada, Mexico and the Caribbean)

If you’re not sure which area your holiday destinations would be in, please contact us .

Do you actually need worldwide cover?

Many countries may be included within other packages. For example, an annual policy covering Europe would also cover countries bordering the Mediterranean.

If you’re not sure which countries you’ll be visiting (preferring to go where the wind takes you), then our comprehensive worldwide cover will include all destinations. Unfortunately, we can’t provide cover for trips to any country or area where the  Foreign, Commonwealth and Development Office  have advised you not to go (unless that advice is only because of Coronavirus – read about our Coronavirus travel insurance for more details).

How to get worldwide travel cover for less

If you’re going to be taking multiple trips this year, then you can save money by choosing our annual multi-trip worldwide travel insurance.

Should you choose single or annual worldwide travel insurance?

Single travel insurance is good for a one-off trip and can cover you for a holiday of up to 365 days in length. You can tailor your cover to meet your specific needs depending on what you require. Visit our  single trip travel insurance page  to get more information.

On the other hand, annual travel insurance (multi-trip cover) will give you cover for a whole year. You can take as many trips as you like, with each one being up to 31 days away for Budget policies, 45 for Silver and Gold, and 55 days abroad for Black. So if you are planning to take multiple trips this year, an annual package could save you time and money. Visit our  annual trip travel insurance page  for more information.

10 tips for travelling the world

• Always check that your destination (or destinations) are covered in the travel insurance policy you have chosen. What’s more – make sure you get travel insurance! If you’re planning on a round-the-world trip, you’re even more likely to be pushed out of your comfort zone (a good thing!), but make sure you’re covered if things go wrong.
• Get a good backpack – but pack light. You won’t need half of what you think you do and if you can fit it all into a bag suitable for hand luggage then you’ll save time and money not having to check in your bag. 
• A good credit card could not only help you explore more for longer, but could even save you money with perks like air-miles and no-charge currency converting.
• A ‘microlight’ or ‘microfiber’ towel (easier to pack and they dry out much faster)
• A global SIM card (especially if you are travelling solo)
• A scarf (thin, light, and useful for a great number of things)
• Ear plugs (no explanation needed)
• Before you go, get your vaccinations. If they’re recommended to have before you travel and you don’t get them done, you won’t usually be covered for if you need treatment because of that. Most are free, so don’t ‘forget’ to get them done. Check with the  NHS  for which travel vaccinations are free of charge.
• Visas! Planning to work out there? Get the right visa. If you’re caught working without one, you could face scary repercussions – that’s if you can even get a job out there to begin with, as those with the appropriate visas will always be first choice.
• Try to learn some key phrases for each destination, maybe even make yourself a phrasebook. This will not only help you get around, but also help you get to know the locals. If you get lost or want to know the best place to grab a bite to eat, the locals are your most valuable resource. 
• You know that SIM card we mentioned earlier? Use it! Always tell someone at home where you are travelling to next and your current whereabouts, this is particularly important if you are travelling abroad solo.
• Think about a campervan or motorhome – would this work out cheaper or quicker than finding hostels? Some areas might be too remote for a hotel or hostel, so a vehicle can give you much more freedom. Do make sure you can legally drive in that country before buying it though.
• Lastly – Ever heard of paying to leave the country? Yes, this is actually a real thing, nicely labelled as ‘Departure Tax’. Check all of the destinations you plan to visit beforehand. Otherwise you could end up losing a chunk of your budget just to move on!

Other information about your worldwide travel insurance

All of our worldwide travel insurance policies are available to UK residents (someone who has been living in the UK or the Channel Islands for at least six of the last 12 months). Sorry, but we can’t provide cover to anyone who doesn’t fit this description.

To choose the right worldwide travel insurance policy for you,  get a quote online  or browse our  policy documents  for more information.

*With a purchase of an AllClear branded policy, you’ll automatically enter the £500 prize draw. Plus, you’ll get 20% off the base price of your policy. Discount does not apply to any premium generated to cover medical conditions and optional extras. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 4/12/23. T&Cs apply.

• Unlimited emergency medical expenses available on Black level policies.
• COVID cover rated Superior by a leading independent UK Consumer Champion.

• Single trip insurance
• Annual travel insurance
• Schengen travel insurance
• Travel cancellation insurance
• Course cancellation insurance
• Excess insurance
• Holidays in Switzerland
• Download-Center
• Travel tips
• Inspiration
• Preparing for your trip
• Schengen entry

Single trip travel insurance

• Shortly explained
• Comparison table

You might also be interested in

Secure single trip, for individuals, families, couples and groups. reliable protection for a trip..

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Premium PLUS

Included services during your trip, would you like to know more, insure your baggage  with premium plus..

Thanks to our unusually high health care costs cover, you are always protected from unexpected and insured medical and hospital costs abroad. When you travel in your own car, you also benefit from unlimited breakdown assistance in Switzerland and throughout Europe. In addition the collision damage waiver for rental cars (CDW) protects you from the unexpected and insured costs you have to bear in the event of problems with a rental car. Your baggage, including for example your laptop and mobile phone, is covered against theft. If the delivery of your baggage is delayed, we’ll refund the costs of replacing essential items. 

In the safest of hands when travelling overseas.

Junior note..

Allianz Travel Switzerland

Sehr praktisch übersichtlich.

Allianz Travel offers individual travelers insurance for couples or families, and assistance solutions that are tailor-made to your personal requirements. Annual travel insurances are comprehensive plans and offer immediate help in case of emergency, thanks to Allianz Travel's many years of experience. Allianz Travel Switzerland (formerly Allianz Global Assistance & ELVIA) is part of the Allianz Partners Group, the world's leading provider of travel cancellation insurance and travel protection and assistance services. With more than 21,500 employees on five continents and a network of over 900,000 specialists, Allianz Partners Group is available to its customers around the globe, 365 days a year, around the clock. There can be problems as early as in the run-up to a trip – here you can get help if you have taken out travel cancellation insurance. This gives you protection against heavy financial loss.

• Swiss 24-hour emergency call centre friendly and professional
• Telemedical consultations and medical assistance around the clock worldwide in the event of illness or accident
• Accident and breakdown assistance in Switzerland and throughout Europe
• High sums insured including assumption of health care costs abroad up to CHF 1 million
• Travel baggage coverage including cover for cameras, laptops and sports equipment
• Trip cancellation insurance unbureaucratic and customer-oriented

Travel Insurance

Cover holidays or business travel, on a Single trip or Annual multi-trip basis.

• We offer a choice of Travel Insurance products: Annual multi-trip cover, Single Trip Insurance, Longstay, Wintersports.

Annual Multi-trip Travel Insurance enables you to travel any number of times during the year, so it is ideal for frequent trips or last-minute bookings. Available for UK, EU or International residents

Single Trip Travel Insurance suits the occasional traveller, whether for business or pleasure Available for UK, EU or International residents

Wintersports Travel Insurance covers Skiing and Snowboarding, both on and off piste Available for UK, EU or International residents

Longstay Travel Insurance is ideal if you are spending a few months outside of your home country Available for UK, EU or International residents

Vehicle Rental Insurance

Cover charges applied by the Rental Company if your rental vehicle is stolen or damaged.

Car Rental Insurance covers the excess charges when hiring a vehicle with up to 7 seats Available for UK, EU or International residents

Motorhome Rental Insurance covers the excess charges when hiring a vehicle with accommodation Available for UK and some EU residents

Van Rental Insurance covers the excess charges when hiring a van for personal, non-commercial use Available for UK residents

Other Insurance Products

We offer a range of additional Insurance policies

• In addition to our Travel Insurance and Vehicle Rental Insurance policies, we offer Private Medical Insurance; cover for Weddings in the UK or Overseas; Car Breakdown Insurance

Our Private Medical Insurance covers you even when you are outside of your Home Country so is ideal if you are spending some time living and working overseas Available for UK, EU or International residents

If you are arranging your wedding, whether at home or overseas, our Wedding Insurance offers protection in case of unexpected problems Available for UK residents

Our Car Breakdown Insurance covers roadside assistance and breakdown cover at home in the UK and has an option to cover you when driving in Europe too Available for UK residents

Annual Multi-trip Travel Insurance

If you are a frequent traveller, our Annual Multi-Trip Insurance can cover any number of trips during the year, so it's ideal for last minute bookings. Cover travel in Europe or Worldwide, with options to cover Business as well as holiday trips. Many Sports, including Skiing, covered. Great value family policies!

Single Trip Travel Insurance

Whether taking a short break, a family holiday, or travelling on business, our Single Trip Insurance can cover you. Holiday or Business cover available for most destinations. Great value family policies!

Longstay Travel Insurance

Wintersports travel insurance.

Don't hit the slopes without the right cover! Our Wintersports Travel Insurance covers your equipment, ski pack etc so you can ski with peace of mind. Ski & Snowboard cover for most destinations, including off-piste. Great value family policies!

Cruise Travel Insurance

If you are planning a Cruise, our Travel Insurance policies offer cover in the event that you need to cancel, and cover for medical expenses if you become ill during the trip. In addition, our policies for UK residents offer optional Cruise cover for risks such as missed port of call; cabin confinement; shore excursions

Already overseas?

If you have already left your Home Country and forgot to arrange cover, or your original policy has expired, don't leave yourself uninsured. We offer policies if you are already away from home for a few days, or to up to 3yrs. We also cover Students studying overseas, and our Private Medical Insurance is available even if you are currently living away from home.

Existing Medical Conditions

Travellers with medical conditions can face obstacles when arranging insurance for a holiday or business trip. We understand the impact that an existing condition can have when planning a trip. Cover is available for most existing medical conditions. We offer a specialised screening service to take you through the options.

Car Rental Insurance

Insurance to cover charges applied by the Rental Company if your rental car is stolen or damaged (including damage to the vehicle underbody, roof, windows & tyres). Suitable for residents of most countries, hiring at home or overseas. Max cover £50,000

Motorhome Rental Insurance

Hiring a Motorhome or Campervan? We cover you for excesses charged by the Rental Company following damage or theft of the vehicle, including damage to the vehicle underbody, roof, windows & tyres. Suitable for hires at home or overseas. Max cover £5,000

Van Rental Insurance

Hiring a Van in the UK for short-term, private non-commercial use? Cover the excesses charged by the Rental Company in the event of damage to the vehicle. Option to extend cover to include taking the vehicle to Continental Europe. Max cover £2,500

Need to hire a Car?

If you haven't booked your Car Rental yet, click here for competitive prices! Its easy to book online through Holiday Cars Direct

Worldwide Insure – Trusted Holiday & Travel Insurance for Single or Multi Trips

About worldwide travel insurance services.

Established in 1993, Worldwide Travel Insurance has over two decades of experience in the Travel Insurance industry, making us one of the UK’s most experienced and trusted Travel Insurance providers. Whether your trip is for business or pleasure, we have a comprehensive range of affordable products to meet your needs. Alongside our Single-trip, Annual Multi-Trip, Longstay and Wintersports Travel Insurance policies, we offer Excess Insurance for Car, Motorhome or Van Hire. As part of our range of specialist travel insurance products, we can even cover you if you have already started your trip, unlike the majority of travel cover providers. In addition to policies for UK residents, we can cover you wherever you live in the world.

Truly Worldwide Travel Insurance

We’re a UK-based insurer, but we can cover you whether you are a UK, EU/EEA or International resident. Trusted by thousands of travellers in the UK, EU, and across the world, our travel insurance policies are low-cost, yet offer all the benefits you need for a relaxed and safe trip overseas. From camping holidays in France to road trips across the United States; from scuba diving trips in South East Asia to round-the-world backpacking adventures – Worldwide Insure has a travel insurance product to give you complete peace of mind while you’re away. We also understand that some people need to increase their coverage while their away – and that some people forget to take out cover altogether. We offer the flexibility to cover your trip when many other insurers are unable to. Taking out cover is quick and easy. You can purchase your travel insurance online, or give us a call and we’ll be delighted to arrange your cover.

Travel Insurance for EU/EEA & International Residents

We’re a UK-based insurer, but we can cover you whether you are a UK, EU/EEA or International resident. We can give you cover even if your trip has already begun, and if your current insurance is due to expire, we can provide you with the cover you need. Backed up by more than two decades of experience in the travel insurance industry, we are able to insure a diverse range of travellers – one of the reasons people use our services year after year.

Already Travelling outside of your Home Country?

We can give you cover even if your trip has already begun, and if your current insurance is due to expire, we can provide you with the cover you need. Backed up by more than two decades of experience in the travel insurance industry, we are able to insure a diverse range of travellers – one of the reasons people use our services year after year.

Travel Insurance for Sports & Activities

If you like to get active while overseas, medical travel insurance is more important than ever. Many activities are covered by our policies as-standard, but should you wish to add adventure sports to your policy, this can be arranged quickly and easily. Need flexible cover for casual or competitive participation? We can arrange this too, as well as offering travel health cover for snowboarders and skiers with our Winter Sports Travel Insurance.

Buying Travel Insurance When You’re Already Travelling

Find yourself overseas without insurance? Don’t worry – we won’t leave you high and dry without cover. If you are a resident of the UK and EU, we can provide you with the protection you need, swiftly and affordably. You can take out travel insurance today.

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

A wide range of Insurance Policies to suit your individual needs

Few insurers can match the flexibility of our holiday insurance services, so no matter what your travel cover needs, the chances are we can help. For instance, every year we provide specialist policies for those with pre-existing medical conditions. And alongside comprehensive policies, we can offer reduced-cover options – ideal for those seeking low-cost travel insurance. With Worldwide Insure, you’re certain to find the best travel insurance policy for your needs and budget.

Our policies include:

Your security with worldwide travel insurance:.

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.

This story was written by  NJ Personal Finance , a partner of NJ.com. The information presented here is created independently from the NJ.com editorial staff, and purchases made through links in this article may result in NJ.com earning a commission.

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Travel Insurance

Outlook for travel insurance in 2024

Mandy Sleight

Heidi Gollub

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

Published 5:00 a.m. UTC Nov. 16, 2023

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• As trip costs continue to rise in 2024, so will the price of travel insurance.
• People are planning trips further in advance and purchasing 2024 travel insurance earlier, making them eligible for perks like cancel for any reason (CFAR) coverage and a pre-existing conditions exclusion waiver.
• Emergency evacuation, medical coverage and trip interruption remain top concerns for travelers, increasing the search for comprehensive travel insurance plans with more robust coverage — even if it costs more.

The best travel insurance plans can provide peace of mind and prevent financial setbacks if something happens before or during your trip. A travel insurance policy can defray unexpected expenses when your plans are disrupted and provide emergency medical coverage when you’re traveling, whether domestically or abroad. 

Here are some travel insurance 2024 trends we’re seeing.

American spending on trips continues to rise

Although trip costs are increasing, Americans are not curbing their vacation spending. The average insured trip cost in 2022 was $5,240, while the 2023 average increased to $5,736, according to InsureMyTrip data. For the first three months of 2024, the average cost of a trip insured with travel insurance is $7,277.

InsureMyTrip data shows a 16.78% increase in the cost of travel insurance from 2022 (average cost of $276) to 2023 (average cost of $323). Policyholders may pay even more in the first quarter of 2024 — with higher-priced trips planned, the current average cost of travel insurance for January, February and March is $535. (This average will change as more travelers purchase trip insurance plans for their 2024 travels.)

“As Americans continue to spend more on vacations, they have more to lose if they need to cancel or return home early. A travel insurance policy is an efficient and cost-effective way to protect that financial investment for trips in 2024,” said InsureMyTrip senior vice president Suzanne Morrow.

These rates are similar to Squaremouth live data, showing the average trip cost for the last 365 days at $6,531 and the average travel insurance premium at $307 for a 16-day trip.

Most popular travel destinations in 2024

Squaremouth live data shows that in the past year, the top destinations travelers were buying travel insurance for included the United States, Mexico and Italy. 

Top 10 travel destinations insured in the past year

Source: Squaremouth.com. Based on travel insurance purchases from Nov. 12, 2022 to Nov. 12, 2023.

“According to Berkshire Hathaway Travel Protection’s 2024 State of Travel Insurance (SOTI) study, the most visited countries of 2023 were the United States, United Kingdom and Mexico, respectively,” said Carol Mueller, vice president of Berkshire Hathaway Travel Protection. 

“While we expect to see these countries remain ‘hot’ in 2024, a good prediction for the trending travel destinations is to see what destinations the next generation of travelers have been visiting.” According to Mueller, Gen Z’s top destinations this year were the U.S., Mexico, Italy, France and the U.K.  

If safety is a concern, the SOTI study found that the top five safest travel destinations in 2024 are Switzerland, Iceland, New Zealand, Norway and Canada. 

Flight delays and cancellations on the rise

A recent USA TODAY Blueprint survey found that almost 75% of surveyed travelers experienced a flight cancellation or delay in the last year. Inclement weather was the top reason for these flight cancellations, though airline issues such as staffing shortages were close behind.

The Berkshire Hathaway SOTI study echoes our findings, with over half of respondents stating a fear of flight cancellations and delays, along with rising travel costs, are top concerns for 2024 and deciding factors in purchasing travel insurance. 

Squaremouth trend data shows that nearly 70% of people who buy travel insurance are searching for trip cancellation insurance versus travel insurance without cancellation benefits. 

People are planning more in advance

A quarter of the USA TODAY Blueprint survey respondents said they have started planning trips further in advance. Purchasing travel insurance within 10 to 21 days of your initial deposit can maximize your benefits — and it doesn’t cost any extra to buy it early.

Buying travel insurance as soon as you make your initial trip deposit can provide the option to purchase “cancel for any reason” (CFAR) and “interruption for any reason” (IFAR) coverage, for example. These optional add-ons available with some plans allow you to cancel or interrupt your travel plans for any reason, not only those listed in the travel insurance policy.

According to InsureMyTrip data, travelers purchased travel insurance an average of 86 days before their departure date in 2022 and 84 days before their trips in 2023. For trips in the first three months of 2024, the average time between buying travel insurance and traveling is 208 days.

Another perk of buying travel insurance early is that you may qualify for a pre-existing conditions exclusion waiver. Providing certain conditions are met, such as purchasing your travel insurance within a set number of days after making your initial trip deposit, your pre-existing medical conditions will not be excluded from coverage. 

Top concerns of travelers for 2024

According to Squaremouth, consumers searching for travel insurance plans online in the past year have most frequently used filters to find travel insurance for COVID-19 , emergency medical and medical evacuation. 

Having the ability to cancel your trip for any reason is becoming more popular. InsureMyTrip data shows that 9% of travelers purchased CFAR coverage in 2022 and 7% in 2023. But for trips in the first three months of 2024, that figure has increased to 16%.

Travelers are also choosing to rent cars more and participate in adventure activities. Berkshire Hathaway has seen rental car coverage add-ons double in 2023 compared to 2022. There has also been an increase in quotes and purchase intent in 2023 for its AdrenalineCare plan, which provides coverage for adventure and extreme activities that standard plans typically exclude.

Purchase intent for its LuxuryCare plan has also increased by 37%. This policy offers the highest limits for travel medical insurance and emergency medical evacuation , plus generous coverage for trip interruption and delay, baggage delay and lost luggage.

How to find the best travel insurance in 2024

Consider these factors when searching for the best travel insurance in 2024 .

What coverage do you already have in place? 

Some credit cards offer benefits like trip cancellation and interruption, rental car coverage and baggage loss compensation if you pay for your flights and rental car with the card. If you have a travel credit card with these perks, you might not need as much coverage when you buy travel insurance.

If you have health insurance , check to see if it will cover you where you’re going. “Most domestic health insurance plans, including Medicare , do not cover medical bills abroad,” said Morrow. Should you need medical benefits as part of your travel insurance, take note of the plan’s medical expense limits and whether the coverage is primary or secondary.

Determine your travel insurance needs 

After evaluating your existing insurance possibilities, determine what coverages you need. Travel insurance bundles together different types of insurance , such as trip cancellation and emergency medical evacuation. The coverages and add-ons you choose will determine how much you pay for the plan. 

An adventure-specific policy or add-on makes sense if you’ll be participating in activities like scuba diving, snorkeling or mountain climbing. But this will cost you more than a basic travel insurance plan. 

CFAR gives you the most flexibility if you have to cancel your trip, but this add-on typically increases the cost of travel insurance by about 50%. It may be worth the cost, however, to avoid losing out on your entire nonrefundable, prepaid trip cost for canceling without a covered reason. 

IFAR is another optional upgrade available with some plans, if you want the option to cut your vacation short and return home for any reason. IFAR typically adds 3% to 10% to the cost of your travel insurance.

Compare travel insurance quotes 

You can get individual trip insurance quotes from travel insurance company websites, or compare plans from multiple companies on comparison websites like InsureMyTrip and Squaremouth. Look for added benefits like a pre-existing conditions exclusion waiver and primary medical benefits. 

Read your policy to understand coverage and exclusions

Remember to read your travel insurance policy carefully after buying, to determine if it fits your needs. Most companies offer a “free look period,” during which you can cancel the plan and receive a refund. 

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

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

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

Heidi Gollub is the USA TODAY Blueprint lead editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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On This Page

• Key takeaways

Which countries require travel insurance?

Why do countries require travel insurance, what happens if you don’t have the required insurance, what should a good travel insurance policy include, how to prove you have travel insurance, countries that require travel insurance faqs, related topics.

What Countries Require Travel Insurance for Entry?

KEY TAKEAWAYS

• Some countries require all visitors to purchase travel insurance before vacationing in their nation.
• Travel insurance can protect you from unexpected losses you may incur during your trip, such as injuries and canceled flights.
• Without travel insurance, y ou’ll be required to cover all losses out-of-pocket.
• If losing the money you’ve saved for a trip would result in financial strain, travel insurance is a worthy investment.
• We recommend using a comparison tool to find the best travel insurance policy for your needs.

Traveling internationally requires lots of planning. But beyond itineraries and dinner reservations, there’s one essential arrangement that’s often overlooked: travel insurance.

A travel insurance policy covers unexpected losses you may incur during your trip. While coverage varies, losses can include everything from misplaced luggage to medical emergencies . If you’re faced with unforeseen challenges, travel insurance can be a worthy investment.

Some countries ask foreign visitors to purchase travel insurance before their excursion. Travel insurance requirements differ among nations, meaning this step in the planning process may take some research. To help you get started, here’s what you should know about countries that require travel insurance.

Our top picks for required travel insurance

Seven corners.

Generali Global Assistance

Not all countries have a mandatory travel insurance policy. But if your destination is one that does, getting familiar with the rules in advance can help your travel plans flow without a hitch. You’ll first need to find out if insurance is required, or simply advised, in your country of choice.

Below, you’ll find a list of vacation destinations that require all visitors to purchase travel insurance. Keep in mind that international travel rules change frequently, meaning the information here is not comprehensive. Use this as a starting point when planning your next trip, but double-check the location’s entry requirements before you jet off.

Antarctica is unlike other travel destinations in that it has unique variables that can produce unexpected losses. For this reason, insurance is a must-have. Because you’ll likely be traveling with an Antarctica touring company, coverage requirements will vary. A comprehensive plan is typically recommended—one that includes medical evacuation, trip cancellation, and trip interruption.

Travelers to Bermuda are required to purchase health insurance for the duration of their stay. The Bermuda government also recommends that all visitors over age 12 be vaccinated against COVID-19.

To successfully secure a visa for Bhutan , you will be required to provide valid travel insurance for the duration of your travel before your trip.

Traveling to Cuba means complying with regulations set by the Cuban and United States governments . In the U.S., you’ll need to submit personal documentation along with your travel application. You’ll then need to notify the Cuban government of your plans to travel, give them your visa information, and provide proof of travel insurance with medical coverage.

Neither medical nor travel insurance is required to visit Ecuador. However, you will need coverage if you’re planning to visit the Galapagos.

Travelers to Jordan must purchase a travel insurance policy that includes medical coverage.

As of 2022, Laos borders are now open to travel from U.S. visitors. All travelers are required to purchase a travel health insurance plan containing coverage of at least $50,000.

Those traveling to Myanmar must purchase an insurance policy that contains medical coverage, including coverage for COVID-19 treatment . However, the US Department of State currently advises against traveling to Myanmar and provides a Level 4: Do Not Travel warning .

Travelers to Nepal must provide proof of international health insurance . However, exceptions will be made for visitors under certain circumstances. For insurance requirements relating to your own situation, refer to the Nepal government website for detailed information.

Travel insurance is mandatory for all visitors under regulations set by the Qatar government .

Russian Federation

Before visiting the Russian Federation, all travelers must apply for an entry visa. At any point during the application review process, the Russian Consular Division of the Embassy has the right to request travel insurance containing medical coverage . However, the US Department of State currently advises against traveling to Russia and provides a Level 4: Do Not Travel rating.

By law, all travelers to Rwanda must have health insurance . Attempting to visit Rwanda without it, means you may be asked to purchase a plan upon arriving in the country.

Saudi Arabia

Before visiting Saudi Arabia, you’ll need to purchase an insurance plan. It’s r equired that your plan includes coverage for a COVID-19 infection .

Schengen Visa countries in Europe

The Schengen Area is a collection of 27 European countries that have removed much of the regulation surrounding their shared borders. For travelers, this means a single visa is necessary for visiting all the nations in the Schengen group.

Schengen countries include:

• Czech Republic
• Liechtenstein
• The Netherlands
• Switzerland

Traveling to any of these destinations means you may be asked to show proof of insurance. Depending on the country, your coverage may need to include $50,000 in hospitalization costs, medical evacuation, or a $0 deductible. In some cases, you may need to prove that your insurance company has European offices.

Before traveling, it’s best to check the requirements for the countries you plan to visit in order to avoid surprises.

All travelers to Seychelles must purchase an insurance policy that contains medical coverage valid for the entirety of their stay.

Sri Lanka insurance requirements state that all visitors must have a plan that covers COVID-19 treatment . Check with the Sri Lankan government before you go, as the extent of these regulations often fluctuates.

Turkey travelers are asked to purchase travel medical insurance before visiting the country. The extent of this coverage is not specified—the only condition is that y our plan must last the full length of your trip.

Travel insurance for Ukraine must contain medical coverage that includes all treatments related to COVID-19. Your insurance plan must be purchased from a company registered in Ukraine, or from a foreign company with a representative office in the country. However, the US Department of State currently advises against traveling to Ukraine and provides a Level 4: Do Not Travel notice .

Countries insist on travel insurance for many reasons, including unstable diplomatic relations or existing international agreements (like for those countries in the Schengen group).

In many cases, travel insurance requirements act as a contingency plan for both the traveler and the destination.

In some cases, you may not be allowed to enter a country until you satisfy insurance regulations. In others, a lack of insurance means you’ll incur the cost of any unexpected losses during your trip.

For example, if you experience a medical emergency while abroad, you’ll have to pay for all expenses out-of-pocket. Those without emergency evacuation coverage can also find themselves seriously in debt if they require extensive evacuation and medical treatment.

The best travel insurance plan includes the coverage you need to feel comfortable during your vacation. This may include trip cancellation coverage , missed flights, lost luggage, or health issues.

If you’re concerned about incurring unexpected losses, a comprehensive plan can be a worthy investment.

In most cases, your documentation will show that you have satisfied travel insurance requirements, so you shouldn’t need to carry copies of your insurance plan with you during your trip. However, make sure you keep documentation at home in case you need to file a claim once you get home.

Travel can be a big expense, and adding insurance to your budget may seem unnecessary. But you never know what might happen during your trip—whether it’s lost luggage, a medical emergency, or a missed flight, insurance can protect you from severe financial losses. If you can’t afford to lose the money you’ve saved for your vacation, travel insurance is undoubtedly worth it .

Is travel insurance mandatory for Europe?

If you’re traveling to a country in the Schengen group, you must purchase travel insurance before your trip. For other countries in Europe , you’ll need to comply with the regulations set by each nation.

Is travel insurance mandatory for international travel?

Insurance is not mandatory for all international travel. If your destination has no insurance regulations for visitors from other countries, you don’t necessarily need to purchase a plan. However, insurance is strongly recommended for international travel in all cases, as it may protect you from financial losses if you incur unexpected losses.

What travel insurance do I need?

The travel insurance you need depends on your destination and the personal risk you’re willing to take. If you’re traveling to a country with insurance requirements, you must comply with all regulations before your visit. Any additional coverage is extra protection for unexpected losses. In the event of a cancellation, lost luggage, or medical emergency, travel insurance can be well worth the addition to your trip cost.

Sarah Stasik is an editorial writer and a Six Sigma certified project manager. She is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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5 Best International Travel Insurance Companies of 2023

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

AIG Travel Guard »

GeoBlue »

Why Trust Us

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

Table of Contents

• Rating Details

Allianz Travel Insurance

• World Nomads

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

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

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

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

Best International Travel Insurance Companies in Detail

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

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

World Nomads »

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

SEE FULL REVIEW »

Generali Global Assistance

All plans include coverage for COVID-19

Generous limits for emergency medical and medical evacuation across all plans

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

Rental car coverage only included in top-tier Premium plan

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

AIG Travel Guard

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

Optional CFAR coverage available with some plans

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

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

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

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

Coverage is mostly for emergency medical expenses abroad

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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Does My Health Insurance Cover International Travel?

Holly Johnson

Private health insurance typically doesn't cover international travel expenses.

Is Travel Insurance Worth It?

Learn more about what travel insurance covers and how it can give you peace of mind.

The 5 Best Annual Travel Insurance Plans for 2023

Learn more about coverage options for frequent travelers and those with multiple upcoming trips.

The 9 Cheapest Travel Insurance Companies of July 2023

Holly Johnson and Erin Evans

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.