travel medical insurance best

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9 Best Travel Insurance Companies of 2024

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

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

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

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

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

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

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

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

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

SEE FULL REVIEW »

Annual and multitrip policies are available

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

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

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

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

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

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

More limited coverage for baggage issues than other companies

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

Travel insurance policy coverage is tailored to your specific trip

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

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

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

Limited trip cancellation coverage even at the highest tier

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

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

Cancel for any reason coverage costs extra

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

Generous emergency medical and emergency evacuation coverage

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

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

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

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

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

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

Travel Insurance Types: Which One Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Buying the Best Travel Medical Insurance for You [2024]

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

Countries Visited: 36 U.S. States Visited: 31

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3257 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

What is travel medical insurance, what does travel medical insurance cover, what doesn’t travel medical insurance cover, what travel medical insurance isn’t, how does travel medical insurance work, how much does travel medical insurance cost, which company has the best travel medical insurance, final thoughts.

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

The thought of getting sick or injured while traveling can be one of the most stressful aspects of planning a trip. Often, travelers assume that their primary health insurance will cover all costs of medical expenses on their trip, but not every health insurance plan covers every country and situation.

To ensure you have coverage if you need it, you may need to consider purchasing travel medical insurance. This can fill the gap between your regular insurance and any coverage you may have with your credit cards . We’ll break down all of the important details and tell you everything you should know about travel medical insurance.

If you are traveling domestically within your own country, you will likely be covered by your primary health insurance. If you are traveling abroad, your coverage may not extend to those other countries. This is primarily where travel medical insurance comes into play.

Travel medical insurance is a type of international insurance designed to cover emergency health care costs you might face when you are traveling or vacationing abroad.

A travel medical policy can be an important addition to your trip since your primary health plan may not cover you fully if you need assistance outside of your home country. An uninsured injury or illness abroad can result in a huge financial burden that can be significantly reduced by having travel medical insurance.

Bottom Line: Travel medical insurance is recommended by the U.S. Department of State, the Centers for Disease Control and Prevention (CDC), and the World Health Organization (WHO).

According to Allianz Travel, the most common overseas medical emergencies that are claimed include:

• Fractures from falls
• Cardiovascular problems such as a heart attack or stroke
• Trauma involving motor vehicles
• Respiratory problems such as a collapsed lung

So going with that first item, let’s say you’re exploring Europe and end up twisting your ankle on the beautiful, but uneven cobblestone streets in Rome. Depending on the plan you choose, you may be covered for:

• The cost of a local ambulance to transport you to the hospital
• Your emergency room co-payment
• The bill for your hospital room and board
• Any other eligible medical expenses, up to your plan limits

But there are limitations to travel medical insurance. Before you purchase a plan, it’s important to know exactly what you are buying — including which things are and aren’t included in your coverage.

Travel medical plans are designed to help in the event of an unforeseen illness or injury while traveling abroad. Travel medical insurance offers emergency medical expense coverage as well as emergency evacuation coverage. This means that the plan will reimburse you for reasonable and customary costs of emergency medical and dental care (up to the plan limits — discussed below).

It is important to look closely at all plans you are interested in since many important things are hidden in the details. You might also find it helpful to brush up on your insurance lingo before doing this.

Plan Limits

Travel medical insurance covers emergency medical costs up to the plan limit. Plan limits vary greatly by plan but typically fall between $50,000 and $2,000,000. This is obviously a HUGE range, so you will have to determine the correct amount of coverage based on a few key items:

• How much (if any) will your own health insurance plan or credit card cover when you’re traveling outside of your home country? As we discussed above, Medicare doesn’t cover you at all outside of the U.S., so this would be an instance where you might want your plan’s coverage limit to be higher.
• How long is your trip? If you’re going to be away for more than 1 to 2 months, you might want a higher plan limit to account for the greater exposure to risk.
• Do you need extra coverage due to risky activities? For example, if you expect to ski, mountain climb, or do any other risky activities where you might get injured, you might want a higher plan limit.
• What do you feel comfortable with?  If you feel safer having $100,000 as opposed to $50,000, then that may be the right decision for you. This insurance plan should provide you a sense of security so you can enjoy your trip.
• Deductibles

Most medical single trip plans have some sort of deductible that you must pay before any benefits will be paid. After this, your travel medical insurance will cover any remaining costs, up to the plan’s limit.

However, you will be offered the option to increase, decrease, or remove the deductible altogether. Based on this choice, the price you pay (aka the premium) will be affected accordingly. For example, if you choose a higher deductible, your premium will decrease. If you choose a lower (or no) deductible, your premium will increase.

Length of Trip

You are covered by travel medical insurance based on the type of plan you purchase. These come in 3 types:

Single-Trip Coverage

This is the most common type of travel medical insurance. When you leave your home, go on a trip, and then return home, this is considered to be a single trip. While on your trip, you can still visit multiple countries and destinations all under the umbrella of this single trip. You will be covered for the duration of this trip under a single trip travel medical insurance plan.

Multi-Trip Coverage

Multi-trip coverage is for multiple trips and often purchased in 3-, 6-, and 12-month segments.

Long-Term Coverage

This is continuous medical coverage for the long-term traveler (think expats or people working abroad) and is typically paid on a monthly basis.

Does Travel Medical Insurance Cover COVID-19?

Many travel insurance policies offer good medical coverage, but not all plans cover expenses related to COVID-19 . If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract COVID-19.

In general, cancellations due to fear of travel are not covered. However, some plans cover you if you or your covered traveling companion were to become sick as a result of COVID-19. This means that you could still receive benefits for the losses that are covered by the plan.

Many countries around the world , such as Costa Rica and the United Arab Emirates, are even requiring travelers to hold a specific level of medical coverage to account for COVID-19-related medical care and evacuation.

In addition, “ Cancel for Any Reason ” has become a hot topic. This optional coverage is not available with all plans but lets you cancel a trip for a partial refund no matter what your reason — including unexpected travel bans, lengthy quarantine periods, or cancellations due to concerns over COVID-19.

Since travel medical insurance is meant to cover emergencies, certain types of expenses are excluded from most travel medical policies. In addition, for insurance purposes, a pre-existing condition is general defined as any condition:

• For which medical advice, diagnosis, care, or treatment was recommended or received within a defined period of time prior to your coverage date (varies from plan to plan, but is typically within 60 days to 2 years)
• That would cause a “reasonably prudent person” to seek medical advice, diagnosis, care, or treatment prior to your coverage date
• That existed prior to your effective date of coverage, whether or not it was known to you (commonly includes pregnancy)

Hot Tip: You do not need a medical examination in order to purchase travel insurance. If you have a claim, the insurance company will investigate to ensure that your claim occurred during the coverage period of your policy and wasn’t a result of any pre-existing conditions.

Here are some of the most frequent exclusions:

• Pre-existing conditions as defined above
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine prenatal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness caused by extreme sports
• Mental health disorders
• Injury caused by the effects of intoxication or illegal drugs
• Payments exceeding the plan limit

Unless you’ve purchased a comprehensive travel insurance plan, other exclusions include claims related to:

• Trip cancellation
• Lost luggage
• Rental car damage

Be sure to read the description of coverage for any plan you’re considering before you make the purchase. While reading the entire document front to back can be tedious, it’s better to know what’s excluded before you attempt to make a claim.

Now that we’ve let you know what is and isn’t covered by travel medical insurance, we’ll also breakdown the difference between travel medical insurance and other similar options.

Comprehensive Travel Insurance

Comprehensive travel insurance plans offer the most benefits of all plan types and will typically include medical coverage. It can offer you additional coverage for things like trip cancellation, trip delay and cancellation, lost luggage, and more. It’s the best way to cover a host of potential common travel-related problems.

Some comprehensive plans also offer additional coverage for things like rental car damage, Cancel for Any Reason, or a pre-existing condition waiver.

Bottom Line: Comprehensive travel insurance is a full-service plan and includes travel medical coverage as well as other coverages that will protect all aspects of your trip. 

Health Insurance

You might be thinking that already have medical insurance provided by your employer or through Medicare. However, when you travel to other countries, your primary health insurance might not go with you. Before your trip, check to see whether your domestic plan provides any coverage once you’ve left your home country since many offer limited or no coverage.

In case of a medical emergency, you will want to be able to lay your hands quickly on your travel insurance plan’s contact information for the 24-hour Emergency Assistance program as well as your policy number, so make sure to keep this information somewhere that is easily accessible. Also, be sure you know how to place a call to that number from outside the country.

This is important because you’ll be required to call your travel insurance provider and notify them that you need to be seen by a medical professional as soon as possible. Obviously, you may not be medically able to call before you seek emergency medical treatment, but you should do so as soon as you are able to.

The earlier you can call, the more likely it is that you can avoid any issues for payment of claims and you can also get help and advice from the company’s emergency assistance program.

Bottom Line: Specific details on when and how to contact your insurance provider in case of a medical emergency vary by plan and provider, so thoroughly review these details in your plan information.

For example, in the event of an emergency that requires emergency medical evacuation, your insurance provider will have to approve the evacuation and even make those arrangements for you. If you don’t call ahead to have them do this, the company may not approve the expense and you may be stuck paying for the evacuation in full.

Once you are actually at a medical facility to receive care, make sure to document the experience as thoroughly as possible. This means asking for copies of all of your records before you check out. You’ll need to provide these records to the insurance company when you eventually file your claim and having proof of treatment and costs will assist you in filing a successful claim and getting your money back as soon as possible.

Travel medical insurance plans can vary widely in price, but in general, plans cost anywhere between 4-10% of your total non-refundable trip cost. The pricing of any plan takes into consideration many things, including a few that we discussed above, to determine the cost. These include:

• Age of travelers
• Plan limits
• Supplemental plans such as “Cancel For Any Reason” coverage or coverage for pre-existing conditions
• Length of trip

In addition, if you decide that a comprehensive plan is a better choice for you, this will also increase the price.

The best travel medical insurance company for you may be determined by what type and how much coverage you’d like to have. Let’s review a few options and companies to consider.

Credit Card Coverage

Many premium cards have some medical coverage, so be sure to look over all of the best credit cards for travel insurance coverage and protection.

For example, cardholders of The Platinum Card ® from American Express may already have $15,000 of secondary medical coverage . For many, this may be enough, but for others, you may not feel comfortable at this level of coverage and want to purchase a travel medical insurance policy.

Travel Medical Insurance Policies

If you are looking to purchase a plan from a reputable company, a few options include:

1. Patriot Travel Medical Insurance from IMG Global

For the out-of-country plans, Patriot offers:

• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Daily or monthly rates
• Freedom to seek treatment with the hospital or doctor of your choice

The following plans are available based on the level of coverage that you desire and you can request a quote through their website linked above.

2. GeoBlue Single Trip Traveler Medical Insurance

GeoBlue offers both the “Voyager Choice” and “Voyager Essential” single trip plans. Both plans allow you to choose your level of medical coverage (from $50,000 up to $1 million) and offer $500,000 in emergency medical transportation and repatriation coverage.

The main difference between the 2 plans is that the Choice plan does not require you to be covered by a primary health plan, but doesn’t cover pre-existing conditions. The Voyager plan will cover all pre-existing conditions, but functions as a secondary coverage after your primary health plan.

3. Allianz Travel Medical Insurance

Allianz offers an Emergency Medical plan that offers additional benefits that extend beyond simply medical coverage. This plan is a comprehensive plan that covers lost baggage and trip cancellation and delay, in addition to emergency medical coverage. See just a few of these benefits below:

In addition, many companies, such as AAA,  offer travel insurance through Allianz, so you may receive a further discount if you reference your AAA policy.

Travel medical insurance can be beneficial for most travelers when traveling internationally as most primary health insurance plans won’t cover you abroad. We hope we’ve given you the tools you need to select a plan that works best for you and your travel needs.

At the end of the day, a travel medical plan is a great option if you’re traveling abroad and are not worried about covering trip costs due to a cancellation or added expenses due to a travel delay. Anyone looking for robust coverage for baggage or interruption should consider an upgrade to a more comprehensive plan.

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

Frequently Asked Questions

How much travel medical insurance do i need.

When considering the amount of coverage you’d like for your travel medical insurance plan, consider the following:

• How much (if any) will your own health insurance plan or credit card cover when you’re traveling outside of your home country?
• How long is your trip?
• Do you need extra coverage due to risky activities?
• What amount of coverage do you feel comfortable with?

Refer to the section titled “Plan Limits” for more detailed considerations.

How long does it take to receive travel medical insurance?

Travel medical insurance coverage starts the day of your trip, so you want to make sure you sign up for it before you leave. Most plans allow you to buy insurance up until the day before your trip.

However, the best time to buy travel medical insurance is within 15 days of making the first payment on your trip, since buying early can often qualify you for bonus coverages.

Is travel medical insurance worth it?

Depending on your primary health insurance and any secondary coverage you might be eligible for, travel medical insurance can still be a great tool to protect you from financial hits caused by injury or illness.

In addition, travel medical insurance can help organize assistance in extreme circumstances (such as medical evacuation). You can also pick the appropriate level of coverage to make you feel comfortable.

Does AAA offer travel medical insurance?

Yes, AAA offers travel medical insurance, but it is usually serviced by another company such as IMG Global or Allianz. You will normally receive a greater discount if you mention your AAA insurance policy, so don’t forget to include this when you request a quote!

Can you get travel insurance when already abroad?

Most companies do not offer travel insurance policies once your trip has already begun. There are a few reputable companies, such as  World Nomads and  SafetyWing , that are set up for long-term travel.

These companies allow you to purchase plans once your trip has already begun, but the rates may be higher than a plan that was purchased prior to leaving for your trip.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

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

Updated 2:16 p.m. UTC June 7, 2024

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WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurer, airline or homeowners insurer (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety. Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• ‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

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.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing 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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• Personal Finance

Best Travel Insurance Companies for June 2024

Travel insurance is an important product to consider when booking a trip, especially if it's a pricy one or you believe there's a chance it could be canceled. If you're like the 40% of people who told Nationwide Travel Insurance they plan to travel more in 2024 than in 2023, then travel insurance could be key to making those plans a reality.

According to our research, Travelex is the best travel insurance company because its comprehensive coverage comes at a relatively low cost. We chose the best travel insurers in our list based on an analysis of 31 travel insurance companies across several areas that are most important to travelers, including options available for your coverage, claim and policy limits, what the policy does and doesn't cover, and typical policy costs. We took time to research insurance coverage limits and what the policies covered and rank companies accordingly.

Our list of top travel insurance companies can help you choose the right provider, but you should also do your research to make sure the policy covers your particular trip. And if general travel insurance isn't enough, you may be able to add cancel for any reason (CFAR) travel insurance to your policy to ensure an unexpected situation comes up, like a last-minute work or family obligation, or safety concern.

• Best Overall: Travelex
• Runner-Up, Best Overall: Allianz Travel Insurance
• Best Value: InsureMyTrip
• Most Comprehensive Coverage: World Nomads
• Best for Older Adults: HTH Travel Insurance
• Best for Cruises: Nationwide
• Best for Medical Coverage: GeoBlue
• Our Top Picks

Allianz Travel Insurance

InsureMyTrip

World Nomads

HTH Travel Insurance

• See More (4)

The Bottom Line

• Compare Providers
• What Is Travel Insurance?

Is Travel Insurance Necessary?

How to get travel insurance, what does travel insurance cover.

• How Much Does Travel Insurance Cost?
• What Happens When You Cancel a Trip?

Best Overall : Travelex

• Number of Policy Types: 3
• Coverage Limit: Up to 100% up to $50,000 for cancellations
• Starting Price: $24

Travelex is the best overall travel insurance company because it offers coverage (up to 150% for interruptions) for you or your family members at a competitive price—and kids are included at no extra charge. A relatively low price for the high levels of coverage made it our top choice. Look for the Travel Select plan for the best coverage.

Competitive pricing for comprehensive coverage

Multiple plan options with customizable features

Children younger than 21 covered at no extra cost

Mixed pre-existing medical condition coverage depending on the policy purchase date

No annual plan available

Basic coverage plan features minimal coverage

Travelex Insurance Services is a well-known travel insurance provider based in Omaha, Nebraska. Founded in 1996, Travelex offers several insurance packages depending on the coverage you need for your trip. Policies are underwritten by Berkshire Hathaway Specialty Insurance, which earns an A++ rating from AM Best and AA+ from Standard & Poor’s.  Coverage is available to customers worldwide.

The Travel Select plan starts at about $36 and includes trip cancellation insurance, trip interruption, and emergency medical and evacuation, but there also are several ways to customize and upgrade coverage.

Travel is covered up to 100% up to $50,000 for cancellations. You can receive up to 150% of the trip cost, up to $75,000, for trip interruptions. Emergency medical limits are $50,000, and emergency evacuation coverage is good for up to $500,000.

In addition, Travel Select has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of the trip, your pre-existing injury or illness is likely covered.

Runner-Up , Best Overall : Allianz Travel Insurance

• Number of Policy Types: 10
• Coverage Limit: Varies depending on annual or single-trip plan
• Starting Price: $138

Allianz is the runner-up best overall travel insurance company because it offers coverage for frequent travelers with a low cost per trip. Get the best coverage from the AllTrips Executive Plan. Individual trip coverage is also available.

Annual- or single-trip plans are available

Many policy types fit varying needs

Cover yourself and your household all year even if you’re not traveling together

Does not cover extended travel periods

Some annual plans have per-trip limits while others have annual limits

Limit for emergency medical transportation coverage is only $250,000

Allianz Travel is a subsidiary of Allianz, which traces its history back to 1890 in Germany. Travel policies are underwritten by insurers with AM Best ratings of A to A+ and are available only to legal U.S. residents.

Travelers who want to hit the road many times per year should consider annual travel insurance rather than individual per-trip policies. Allianz Travel offers four different annual plans with varying benefit levels. We particularly like its AllTrips Executive Plan, which has the highest limits and coverage.

The AllTrips Executive Plan provides tiered limits starting at $5,000 for trip cancellation insurance or interruption coverage. It also offers $50,000 for emergency medical and $250,000 for emergency transportation per insured per trip. There is a lengthy list of exclusions, including extreme sports, so make sure to read the fine print before jumping into adventure activities.

Quotes for a single traveler, a couple, and a family of four had a price point of $500 per traveler per year. If you pay for comprehensive coverage at $120 per person per trip and are going to travel at least five times per year, you will break even with this plan. If you’re looking for lower costs, the AllTrips Basic, Premier, and Prime options are also available from Allianz.

Best Value : InsureMyTrip

• Number of Policy Types: Multiple options from over 20 providers
• Coverage Limit: Varies
• Starting Price: $25 to $100

InsureMyTrip is the best valued travel insurance company because it allows you to compare policies from more than 20 different travel insurance providers with one form so you know you’re getting a good deal for the coverage you need. You can find low-cost trip coverage or customize a plan to meet your needs so you don’t overpay for coverage you won’t use.

Search for quotes from multiple reputable insurers

Shop around with one application for multiple trip types

View multiple plans from eligible insurers for your planned trip

Many popular insurers are not included in listings

Initial listing pages don’t show policy limits

Includes some policies with low coverage limits

Founded in 2000, InsureMyTrip is a travel insurance comparison website that searches from more than 20 insurers using one intake form. It offers an easy-to-use sign-up tool to quickly compare multiple policies based on your specific needs. Filters are available to pick policies that cover adventure sports, higher limits, increased medical coverage, and more.

A quote for a family of four taking a 14-day trip that costs $4,000 and includes plane and hotel expenses resulted in three suggested plans with costs of around $100 to around $400 for varying levels of travel protection. Basic features included luggage coverage, travel delay, and medical care. Note that rates will differ based on where customers are originating from and where they are vacationing, as well as other variables.

The insurers you'll find while using InsureMyTrip have earned a variety of industry ratings and are generally considered reputable and financially stable. Still, as with policies bought directly from insurers, it’s a good idea to read the policy details before clicking the buy button. Each underlying insurer has different claims processes, exclusions, and limits. InsureMyTrip makes it easier, however, to be an informed travel insurance buyer.

Most Comprehensive Coverage : World Nomads

• Number of Policy Types: 2
• Coverage Limit: Up to $10,000 for trip cancellation
• Starting Price: $100 to $200

World Nomads is the best comprehensive coverage travel insurance company because adventure travelers and digital nomads will get coverage of up to $100,000 for accidents for some of the most extreme adventures.

Extensive coverage with high limits for medical and emergency evacuation

Protects your bags, computers, and sports equipment when traveling

Explorer plan covers adventure sports

Only single-trip plans are available

Most pre-existing medical conditions are not covered

Not all policies cover adventure sports

World Nomads is a good insurer for those looking for adventure. The Australia-based provider was founded in 2000 and is a solid choice for worldwide travel with few excluded activities. Policies are underwritten by various insurers including the financially strong and well-known Nationwide Mutual Insurance Company, Generali Global, AIG, and Lloyd’s.

Coverage includes terrorist attacks, assault, medical repatriation, equipment and baggage, and overseas medical and dental. The high-end Explorer Plan covers activities including snow sports, water sports, aviation, motorsports, athletics, and high-adventure experiences. It names more than 200 activities, many of which other insurers specifically exclude.

For the Explorer Plan, a solo 35-year-old would pay around $200, depending on inputs like state of origin, for a month in Thailand, which is reasonable for such extensive coverage. The Standard Plan costs around $100 for the same trip, but it makes sense to choose higher coverage levels if you’re worried about something going wrong.

This U.S.-based policy is underwritten by Nationwide (rated A by AM Best) with a $100,000 limit for emergency accidents and illnesses, $500,000 for emergency evacuation, $10,000 for trip cancellation insurance (or interruption), and much more.

Though it doesn’t have the same insurance reputation as some other providers, it works with reputable companies to underwrite policies.

Best for Older Adults : HTH Travel Insurance

• Number of Policy Types: 5
• Coverage Limit: Up to $50,000 for trip cancellation
• Starting Price: Varies

HTH Travel Insurance is the best travel insurance company for older adults because its medical coverage is excellent and you get flexible options while on a budget.

High levels of medical coverage for adults up to 95 years old

Up to a $1,500 allowance for someone to visit you in the hospital

May be expensive depending on your needs

Best plan for older adults requires existing health insurance

Lowest policy has a $50,000 maximum benefit per person

Headquartered in Pennsylvania, HTH Worldwide was founded in 1997, and HTH Travel Insurance offers plans with high levels of medical coverage. That’s a big concern for older adults leaving the country , as they could end up in a doctor’s office or hospital with an expensive bill to follow. HTH Travel Insurance offers up to $1 million in total coverage for medical.

Policies for travelers with existing primary insurance enjoy 100% coverage for typical hospital charges, including surgery, tests, office visits, inpatient hospital stays, and prescription drugs outside of the U.S., among other coverage.

Medical evacuation is available up to $500,000, but trip interruption and baggage coverage are pretty light. Most people will choose this plan for medical rather than travel benefits. This policy is available to applicants who are 95 years old or younger.

Travel insurance is also available for people without existing health coverage. Most older adults in the U.S. are covered by some existing coverage, such as Medicare, but Medicare doesn’t work outside of the United States, leaving people uninsured when abroad. HTH Travel Insurance provides policies for those without existing medical coverage. The age limit is 95, but there is a 180-day pre-existing medical condition exclusion.

Best for Cruises : Nationwide

• Number of Policy Types: 8
• Coverage Limit: Up to $30,000 for trip cancellation
• Starting Price: $100

Nationwide is the best travel insurance for cruises because it offers multiple options to protect your cruise vacation with tailored coverage for common cruise trip issues. Make sure to review the benefit levels so you pick the right coverage for your needs.

Large insurer with a strong reputation

Three different cruise insurance plans to choose from

Coverage for common cruise issues like missed connections and itinerary changes

Some plans have low coverage levels for some incidents

Benefit limits are low for trip interruption for any reason

Pre-existing medical conditions may not be covered

Nationwide has been around since 1925. The Columbus, Ohio-based insurance company offers the most popular types of insurance including auto, home, and life. It also offers a few types of travel insurance coverage for individual trips, multi-trips, and cruises.

For single trip protection, Nationwide offers trip cancellation insurance of up to $10,000 with its Essentials plan and $30,000 with its Prime plan. Travelers may also get an annual travel insurance package for just $59 a year to cover delays, medical expenses, medical evacuation, lost luggage, and travel assistance.

Its custom-tailored plans for cruises, however, are what landed it in this category. The Universal Cruise plan, Choice Cruise plan, and Luxury Cruise plan make it easy to pick the right coverage for your individual needs. The cost for a couple on a 10-day cruise to Mexico, for example, was quoted at around $200 for both the Universal and Choice plans.

Cruise insurance from Nationwide covers what you worry about most with a cruise. Things like broken-down ships and itinerary changes can lead to missed excursions and flights or other costs. For the Universal Cruise plan, emergency medical expenses are covered up to $75,000 with medical evacuation benefits up to $250,000.

Additionally, all plans include coverage for the weather, an extension of school sessions, work emergencies, and terrorism. The luxury plan also covers the Centers for Disease Control and Prevention warnings in effect at your destination.

Travelers in 2024 have concerns over trip cancelations due to unprecedented events. Nationwide's survey showed that 51% are still worried about a resurgence of COVID-19, while 54% worry about weather-related delays or cancellations. Other worries include technology issues (38%), unruly fellow travelers (37%), and employee strikes (25%). Travel insurance can help alleviate some stress about a trip being canceled.

Best for Medical Coverage : GeoBlue

GeoBlue is the best travel insurance company for medical coverage because it offers multiple options to buy travel medical insurance coverage for a lower price than a full travel insurance package. It offers medical coverage on its own if you don’t want or need additional travel coverage.

Up to $1 million in medical coverage

Gives a la carte medical coverage when other trip costs are already covered

Different policies allow you to cover various needs and pre-existing medical conditions

Primarily covers medical costs

Additional primary medical coverage required

GeoBlue, headquartered in Pennsylvania, is part of Worldwide Insurance Services, and policies come with a license from Blue Cross Blue Shield Association. Policies are issued by 4 Ever Life International Limited, a company with a history of more than 60 years and an A rating (Excellent) from AM Best.

If you just need coverage for medical needs, GeoBlue is a good choice. This insurer offers only travel medical coverage. Paying for medical coverage means you aren't paying for the rest of your travel insurance, which you already may have covered. If you already have a credit card with travel insurance included, your card's terms likely protect things like lost luggage and missed flights, for example. Instead, you get covered just for medical, and the costs for that are as low as a few dollars per day.

Because you’re mostly getting travel medical coverage, you will pay a lot less than most other insurers on this list. Just make sure you completely understand what it does and doesn't cover. You will receive only minimal luggage protection and travel interruption coverage with GeoBlue's plans.

GeoBlue has two general plans for single trips, multiple trips, and long-term travel. Additionally, there are five specialty policies for niche travel medical insurance needs, like study abroad. It doesn’t cover everything related to your trip, but it makes medical coverage much more affordable.

Travelex is the best travel insurance company because it offers competitive pricing for comprehensive travel insurance. Policies from Travelex cover everything from canceled or interrupted trips to medical emergencies and evacuations. It also features a 15-day pre-existing medical conditions waiver, which means that as long as you book your trip several weeks in advance, you and your family members will likely still be covered.

There are many options to choose from when it comes to travel insurance. It can provide you with peace of mind and save you thousands of dollars if your travel plans are canceled or interrupted at the last minute. With world events like pandemics, natural disasters, and wars that could easily throw an unexpected wrench in your travel plans, travel insurance helps you to stay prepared. Overall, our top choice for travel insurance is Travelex.

Why You Can Trust Our Expert Recommendations for the Best Travel Insurance

Investopedia collected several key data points from over 30 travel insurance companies to identify the most important factors for readers choosing a travel insurance company for their trips. We used this data to review each company for cost, coverage limits, exclusions, customer service, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Investopedia launched in 1999, and has been helping readers find the best travel insurance companies since 2020.

Compare the Best Travel Insurance Companies

Travel insurance covers common problems when traveling. From trip interruptions to full cancellations, it can help protect the money you put down for your travel experience.

Common coverage includes more than just an unexpected trip stoppage. It can also cover lost or damaged luggage and changes to your itinerary for covered reasons, among other benefits.

Medical coverage is an important factor to consider because your current health insurance may not work away from home. The best travel insurance includes coverage for medical treatment, dental emergencies, and medical transportation. If you have any pre-existing medical conditions or are at risk, it’s important to make sure your policy covers these, too.

If you're traveling locally, such as within your state or within your country, you likely do not need travel insurance. You may be covered with some sort of trip insurance through the credit card you paid for your trip with, and you may have adequate health insurance that can cover you if you need medical attention away from home.

Some credit cards , especially those premium travel rewards cards, may provide the following coverages: 

• Trip cancellation insurance
• Trip delay reimbursement
• Emergency evacuation and transportation
• Accidental death and dismemberment
• Lost or delayed luggage reimbursement
• Auto damage waivers
• Roadside emergency assistance

And if you book a refundable trip, travel insurance may not be necessary.

However, if your trip is expensive or it's in another country, travel insurance will come in handy if something unexpected were to happen. You may also need travel insurance if you're traveling to a particular country such as Antarctica, Egypt, Chile, Turkey, and more.

Travel insurance can give you peace of mind that you'll get some of your money back or that you're insured in case you need medical attention or another type of help while away from home.

Tips for Picking the Best Travel Insurance for You

When picking the best travel insurance policy, there are a few things you should consider. Here are some tips and factors to think about:

• Look for low pricing and good coverage : Pricing is one of the most significant factors when comparing travel insurance policies. Look for a provider that offers low rates and doesn’t skimp on coverage.
• Don't settle for the first policy type : Depending on where you’re traveling and how long you’re staying there, different types of travel insurance policies may work best for your situation. For instance, you may need a different policy for a weeklong trip than you would if you plan to travel abroad for several months.
• Match your coverage limits to your travel costs : Travel insurance plans have coverage limits for trip cancellation, interruption, and medical expenses. Look for a plan whose coverage limit matches the amount you’ve spent on your travel plans.
• Don't forget to look at the exclusions : Some travel insurance plans come with exclusions. If you’re worried about a particular event or accident, make sure it’s covered before you pay for a plan.
• Look for high customer satisfaction ratings : Customer satisfaction is also an important factor when purchasing a travel insurance plan. Look for a provider with high customer satisfaction ratings and a history of good customer service.

"As someone who is always purchasing travel insurance, and has been for years, the thing that matters to me the most is mainly coverage and customer service. I want to know what my policy will cover, especially if I am taking a trip that involves a lot of activities, as well as how easy it will be to contact the company should I need to do so. I have found in the past that the price is always very reasonable and you can shop around, so it has never been the biggest concern for me." -Alice Morgan, Senior Digital Art Director, Dotdash Meredith

• Select a travel insurance company.
• Apply for the travel insurance plan of choice on the company's website or over the phone.
• Provide basic info about who is traveling and travel plans, like name, age, location of trip, and travel expenses and costs like hotels or airfare.
• Wait to be approved.
• Create an online account for easy access while you travel. Some companies may have an app, too.
• Enjoy your trip, and file a claim online or over the phone if needed.

When you’ve selected a travel insurance plan that meets your needs, the next step is to apply for travel insurance. You’ll need to provide the insurance company with some basic information about yourself and your travel plans, including your age, where you live, the date and location of your trip, and your total travel expenses, including things like flights and hotel stays.

Many insurance companies let you apply for a policy entirely online. When your application has been approved, you can typically manage your account online and add details about your trip. If you do need to file a claim, you can typically complete the process online.

Travel insurance may include many different benefits. Here’s a look at some common situations covered by many travel insurance plans:

• Trip cancellation
• Trip interruption
• Missed connection
• Baggage and possession loss, damage, and theft
• Delayed luggage
• Emergency medical treatment
• Emergency medical evacuation
• Accidental death and dismemberment (AD&D)

Emergency medical treatment may include things like ambulance services, x-rays, doctor bills, dental work, lab work, and more. It'll depend on the travel insurance company, so be sure to ask before paying for the insurance and/or additional benefits.

There are additional specialty coverages as well, such as customized policies for cruises. It’s a good idea to shop around and compare before making a final decision.

What Does Travel Insurance Not Cover?

Just as homeowners insurance often excludes damage from things like earthquakes and floods, travel insurance has common exclusions you need to know about. Here are some types of coverage you may not get with travel insurance:

• Weather-related cancellations and delays
• Trip cancellations or changes due to acts of terrorism
• Trip cancellations or changes due to a pandemic
• Injuries from extreme sports and high-adventure activities

Though most policies have limits and exclusions around these circumstances, not all do. Some insurers on this list have special coverage for these exact causes or include them in standard plan terms. Again, this is why it’s so important to read your policy documents before paying for and locking in your policy.

Best Cancel-for-Any-Reason Travel Insurance

The best cancel-for-any-reason (CFAR) travel insurance company is USI Affinity because it offers seven different insurance plans at the lowest premiums of all CFAR insurance companies we researched.

Travel insurance costs vary widely by coverage and insurer. You can expect to pay anywhere from a few dollars a day to more than $10 a day for short-term and single-trip coverage. The cost of your trip is another major factor in the insurance rate.

That means insurance for a single trip could cost anywhere from around $20 to hundreds of dollars. Annual policies cost around $500 per year for high levels of coverage.

There are many inexpensive travel insurance plans available, but most travelers are best protected with comprehensive coverage. It costs a bit more, but if you need to file a claim, you’ll be glad you have it.

Is Travel Insurance Worth the Cost?

If you pay a lot for a trip or vacation, then travel insurance should be worth the cost because you don't want to lose out on that investment. It won't always be necessary, but if travel insurance costs just a fraction of what you paid for the trip, then you'll be happy you had it if you have to cancel a trip worth hundreds or thousands of dollars. For example, if you book a European vacation worth $4,000 and your travel insurance costs just $400, it might be worth it so that if anything happens and you need to cancel, you still get $3,600 back in your pocket.

How Does Travel Insurance Work When You Cancel Your Trip?

When canceling your trip, you'll want to contact the travel insurance company right away. The policy and travel insurance company you selected will cover certain parts of your trip. It's important to review this policy and details to understand exactly what you need to do to get your money back for your trip.

Don't cancel your trip until you read your policy and know what is required for your claim.

For example, if you are ill and a doctor tells you not to travel, you may need to get a written note from the doctor and submit it with your trip cancellation claim.

Before you submit a claim and cancel your trip, consider if you can delay it and reschedule it instead. If you can't, then make sure you have all the required documents (receipts, proof of hotel booking, airline ticket confirmation, etc.). Once you submit your claim, it could take days (Allianz says up to 10 business days, sometimes) for you to receive notice that the claim was processed.

Frequently Asked Questions

In which countries is travel insurance required.

Travel insurance is not mandatory or required by all countries, but some do. For example, Cuba requires people traveling from the U.S. to Cuba to have non-U.S. medical insurance, which may be covered through travel insurance or an airline. Other countries that may require or strongly encourage travel insurance include Antarctica, Egypt, Chile, Turkey, and more. Check a country's specific travel requirements before booking your trip to understand if travel insurance is required.

How Many Days Before a Trip Should You Buy Travel Insurance?

You should always buy travel insurance as soon as you book your trip. If you forgot to buy travel insurance when you booked, it's OK—aim to buy it at least 15 days before traveling to ensure you're eligible for coverage.

Do I Need Travel Insurance for a Cruise?

Just as with any kind of trip, whether you need cruise insurance largely depends on the cost of the trip, and where you're going. If you're paying more than $1,000 for a cruise, travel insurance is probably worth it. For instance, you may want international medical insurance if you're traveling to other countries because some health insurance policies do not cover international travel—Medicare and Medicaid in particular.

Just be aware that if you buy cruise insurance (as opposed to a general travel insurance policy), it may not cover travel before and after the cruise, such as your flight to the port and any hotel expenses you may have pre- or post-trip.

Does State Farm Offer Travel Insurance?

State Farm does not offer travel insurance. State Farm offers car insurance, motorcycle insurance, boat insurance, motorhome insurance, off-road vehicle insurance, homeowners insurance, renters insurance, condo insurance, life insurance, liability insurance, small business insurance, and more.

Can You Buy Travel Insurance After Booking a Flight?

Yes, you can book travel insurance after booking a flight. This may be a great time to book travel insurance because you'll know what coverage you need in case something happens and your trip is canceled. Signing up for travel insurance as soon as possible will always be your best bet.

Which Travel Insurance Is Best?

The best travel insurance company is Travelex because it offers comprehensive coverage at a relatively low price. Travelex has multiple plan options and family members younger than 21 are covered at no extra cost. Another perk is Travelex's Travel Select plan which has a 15-day pre-existing medical condition exclusion waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of your trip, your pre-existing injury or illness is likely covered.

Does Travel Insurance Cover Canceled Flights?

Most travel insurance covers canceled flights, as well as delayed flights. If your flight is delayed by a certain number of hours, your travel insurance may reimburse you for the additional money you spent as a result of that delay or cancelation.

What Is the Best Rate for Travel Insurance?

The best rate for travel insurance will be whatever it costs for comprehensive coverage for your trip. While you can get travel insurance that costs just $10 per day, it may not come with the coverage you need for your trip—especially if it's an expensive trip or if you're worried it could be canceled or interrupted.

How We Found the Best Travel Insurance Companies

To come up with this list of the top travel insurance providers, we looked at more than 30 different travel insurance companies and plans. Major areas of focus included coverage options, claim and policy limits, what’s covered, and typical insurance policy costs.

The biggest focus was on insurance coverage limits and what each policy covers. Cost is important, but a difference of $20 for much better coverage is often negligible. The most important features examined in this review are the ones that make your policy valuable and easy to use if you ever need it.

Your Guide to Travel Insurance

• Do I Need Travel Insurance?
• How to Get the Cheapest Travel Insurance
• Best Travel Insurance Options for Older Adults
• Best Cancel for Any Reason (CFAR) Travel Insurance
• How Much Is Cancel for Any Reason Travel Insurance?
• How to Buy Cancel for Any Reason Travel Insurance

Nationwide. " Survey: U.S. Consumer Travel to Surge in 2024 ."

Travelex. " About Travelex ."

S&P Global Market Intelligence. " Insurance Ratings Actions: S&P Acts on Berkshire Hathaway’s Insurance Segment ."

AM Best. " AM Best Affirms Credit Ratings of Berkshire Hathaway Life Ins Co of Nebraska and First Berkshire Hathaway Life Ins Co ."

Travelex. " Travel Select ."

Allianz. " History of Allianz ."

AM Best " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

AM Best. " AM Best Affirms Credit Ratings of Allianz SE and Rated Subsidiaries ."

Allianz Travel. " AllTrips Executive ."

InsureMyTrip. " About ."

World Nomads. " About World Nomads ."

World Nomads. " What's Covered for Americans? "

World Nomads. " Summary of Plan Benefits: Explorer Plan ."

AM Best. " AM Best Downgrades Credit Ratings of Nationwide Mutual Insurance Company and Its Property/Casualty Subsidiaries; Affirms Credit Ratings of Life Affiliates ."

HTH Travel Insurance. " About Us ."

U.S. Centers for Medicare and Medicaid Services. " Travel Outside the U.S. "

HTH Travel Insurance. " Options for Travelers Without a Primary Plan ."

Nationwide. " About Nationwide ."

Nationwide. " Nationwide Single-Trip Insurance ."

Nationwide. " Nationwide Annual Travel Insurance ."

Nationwide. " Cruise Travel Insurance ."

4 Ever Life. " About Us ."

AM Best. " AM Best Upgrades Credit Ratings of BCS Financial Group Members ."

GeoBlue. " Travel Medical Insurance Plans ."

InsureMyTrip. " Which Countries Require Travel Insurance? "

Squaremouth Travel Insurance. " Emergency Medical ."

Allianz. " Trip Cancellation Checklist ."

U.S. Embassy in Cuba. " Medical Assistance ."

Travelex. " Frequently Asked Questions ."

State Farm. " Types of Insurance Coverage ."

Travelers. " When to Get Travel Insurance ."

Travelex. " Trip Delay Coverage ."

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6 best travel insurance companies of June 2024

Travel insurance can protect you against a range of unforeseen events, from lost bags to medical emergencies..

Whether you're taking a family vacation to Disney World or a romantic cruise through the Mediterranean, travel insurance could help protect your trip from the unexpected. From trip cancellations and flight delays to medical emergencies, travel insurance could protect you financially and give you peace of mind.

There are several different types of travel insurance plans to choose from when shopping for a policy. Here are a few of the common coverage types:

• Trip cancellation coverage : Helps recoup travel expenses if you can't travel, though generally limited to specific reasons.  
• Travel delay coverage: Helps cover expenses if your travel is delayed due to a covered reason. 
• Trip interruption coverage: Helps if you need to cut your trip short. Covered reasons may include an injury or illness on the trip, or a family emergency at home. 
• Medical expenses and emergency evacuation coverage: This covers unforeseen medical expenses when traveling outside the U.S. where your health insurance may not work. Emergency evacuation could help get you home if medically needed while overseas. 
• Baggage loss: Covers baggage lost, damaged or stolen during your trip.

You'll also want to consider the prospective insurer's epidemic-related coverage. Each insurance company covers epidemic-related issues, such as Covid-19, differently, so check the fine print on a policy you're considering.  

CNBC Select analyzed dozens of different U.S. travel insurance products and narrowed down the top six for all sorts of travelers. (Read more about our methodology below.)

Best travel insurance companies

• Best for lost baggage and personal belongings: AXA Assistance USA travel insurance  
• Best for customization: Travel Guard travel insurance
• Best for cancellation coverage: Allianz travel insurance
• Best for travel medical plans: USI Affinity travel insurance
• Best for cruise insurance: Nationwide travel insurance
• Best for luxury travel: Berkshire Hathaway Travel Protection

Best for lost baggage and personal belongings 

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA ’s travel insurance offers three different plans for travelers to choose from, with the most basic plans including trip interruption and cancellation and baggage and personal effects coverage. The platinum plan offers coverage for lost ski days and golf rounds, ideal for trips centering around those activities. 

Best for customization

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

For those wanting to cover an upcoming trip, Travel Guard is a strong option because of its variety of coverage types. With three base packages available online and more options available through a representative, there are a variety of ways to customize your policy. The deluxe, preferred and essential plans include coverage for one related child age 17 or younger.

Best for trip cancellation coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Travelers who want the ability to cancel their trips will find 10 different travel insurance policies through Allianz . You can either purchase coverage for a specific trip or purchase an annual plan that covers an entire year's worth of trips. Instead of basic cancel for any reason coverage, Allianz offers a Cancel Anytime policy that can reimburse up to 80% of prepaid, non-refundable trip costs, while many other companies we reviewed cap "cancel for any reason" (CFAR) coverage at 75%. 

Best for travel medical plans

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

People who are traveling out of the country can find medical plans from USI Affinity to cover them during their travels. Frequent travelers can get an annual medical plan that covers them on multiple trips of 30 days or less. This company also has trip cancellation insurance policies in addition to global travel medical plans. 

Best for cruise insurance

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Those planning a cruise in the future might find cruise-specific travel insurance helpful. Nationwide offers cruise-specific insurance that can cover things like emergency accidents, sicknesses, itinerary changes and trip interruptions to start. Nationwide offers three tiers of cruise insurance (universal, choice and luxury) to get the right level of coverage for every type of trip. Nationwide offers a 10-day review period on its cruise policies (though unavailable in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Since a luxury vacation is a large investment, insuring it could ensure that cost is covered if you have to cancel or have your trip interrupted. Berkshire Hathaway ’s LuxuryCare travel insurance has high limits of coverage for trip interruption coverage, medical expenses, and coverage for things like sporting equipment. Berkshire Hathaway also covers cruises and adventure travel with other separate plans. 

Travel insurance FAQs

How do i choose the best travel insurance .

The best travel insurance is one that will meet your needs, cover the type of travel you’re doing (and the experiences you’re planning) and will give you the peace of mind you need. 

Shopping around for travel insurance can help you make sure that you get the best deal possible. Since policies and coverage can vary by company, it could be helpful to get several quotes and compare the coverage limits and types available from several companies to find the best deal for your specific needs and trip. 

To simplify the shopping process, a travel insurance comparison site like InsureMyTrip or Squaremouth could help you understand how much you’ll spend and what types of insurance coverage are available for your trip. 

Is travel insurance worth it? 

Whether or not travel insurance is worth it could depend on the types of coverage you already have, including whether or not an existing travel credit card you hold could provide similar coverage, and whether that would cover your concerns. 

Some travel credit cards offer car rental insurance , baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. In addition, others offer more coverage like travel accident insurance. 

The Chase Sapphire Reserve® , for example, offers travel accident insurance, emergency evacuation insurance, and coverage for baggage delays and lost luggage reimbursement. Several of CNBC Select’s top travel credit cards also offer some credit card travel insurance that could cover potential travel issues.

How much does travel insurance cost?

The average travel insurance costs between 4% and 10% of your prepaid, non-refundable trip costs, according to travel insurance marketplace InsureMyTrip . 

However, travel insurance costs vary based on the cost of the travel you’re insuring, as well as the age of the travelers and any extra coverage that’s added to the policy. 

Bottom line

Travel insurance can cover a range unexpected events on your trip, from lost baggage to emergency medical expenses. While costs vary based on age, type of coverage and trip costs, it can be useful if you need to cancel or cut your trip short.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance.

Our methodology 

To determine the best travel insurance companies, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for many situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. 

From there, we sorted our recommendations by the best overall and runner-up, best for cancellation coverage, best for travel medical plans, best for cruise insurance and best for luxury travel.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate per the company’s policies.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money . And follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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The best travel insurance policies and providers

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

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

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

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

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

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

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

The best travel insurance providers

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

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

AIG Travel Guard

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

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

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

Preexisting conditions

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

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

Standout features

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

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

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

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

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

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

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

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

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

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

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

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

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

Purchase your policy here: American Express Travel Insurance .

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

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

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

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

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

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

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

Purchase your policy here: GeoBlue .

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

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

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

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

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

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

Purchase your policy here: IMG .

Travelex Insurance

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

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

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

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

Purchase your policy here: Travelex Insurance .

Seven Corners

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

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

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

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

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

Purchase your policy here: Seven Corners .

World Nomads

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

World Nomads offers two single-trip plans.

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

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

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

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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

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

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

Is travel insurance worth getting?

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

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

What is the best COVID-19 travel insurance?

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

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

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

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

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

What are the different types of travel insurance?

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

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

Should I buy travel health insurance?

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

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

How much does travel insurance cost?

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

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

When and how to get travel insurance

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

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

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

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

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

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

Bottom line

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

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

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

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

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Best Travel Insurance for Visiting the U.S.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

No medical exam life insurance explained

No medical exam life insurance vs. traditional life insurance, types of no medical exam life insurance, when no medical exam life insurance might be right for you.

• No medical exam life insurance considerations

How to shop for a no medical exam life insurance policy

What is no exam life insurance.

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

• No medical exam life insurance offers quicker coverage but costs more than traditional insurance. 
• Types of no medical exam life insurance include simple issue and guaranteed issue policies.
• No medical exam life insurance is best for high-risk policyholders and those seeking lower coverage amounts.

Medical exams are among the top reasons people hesitate to buy life insurance . You imagine sitting in a doctor's waiting room, doing blood draws, standing on a scale, and many other things that make us uncomfortable. 

But it's easy to understand why life insurance medical exams remain an industry staple — an insurer must gauge its risk before it grants you a policy. Ironically, medical exams lower insurance premiums for the average life insurance customer.

Medical exams may sound overwhelming, especially if you've abandoned a life insurance application or been denied. This is where no medical exam life insurance comes in. While these policies won't force you to sit on a bench covered in paper, you're not exempt from sharing all medical information. It isn't quite that simple.

These are important components to understand about no medical exam insurance before purchasing it. 

Look at the primary differences between no medical exam life insurance and traditional life insurance. 

The application process

Traditional life insurance companies schedule buyers for paramedical exams, which take 30 minutes for the average applicant. Medical professionals take blood pressure, heart rate, and weight. Some subjects may be required to complete a treadmill test or electrocardiogram. 

Medical professionals also take blood and urine samples, which allow insurers to screen for heart disease, diabetes, cancer, HIV, and certain drugs, including nicotine. However, you can bypass that entire process by opting for no medical exam insurance. Depending on the type of policy, insurers rely on your existing medical record and responses from a basic health questionnaire. 

Because no medical exam insurance allows you to skip this often lengthy procedure, approvals for coverage tend to be faster approvals, typically taking no more than a few days. 

Life insurance companies sell four types of life insurance policies without a medical exam. Coverage, pricing, and the application process are a few of the things that vary widely. So, what are your no medical exam life insurance options?

Simplified Issue Life Insurance

Simplified issue life insurance looks to streamline the approval process. No blood tests or medical exams are required, but applicants answer basic health questions. If the answers given meet underwriting guidelines (the company uses electronic medical records to verify), you may qualify for a policy. 

Generally, these policies cover non-smokers with minimal known risk factors. However, premiums are higher, and benefits tend to be lower to account for the elevated risk.

Guaranteed Issue Life Insurance

Guaranteed issue is also commonly referred to as guaranteed acceptance. These whole life insurance plans require no medical exam or health surveys. Age limits are imposed, with most policies issued to seniors. But you are guaranteed a life insurance policy if you're within the stated age range. 

Guaranteed issue life insurance offers death benefit policies topping around $20,000 to $30,000, depending on the company. The company does not guarantee the death benefit or premiums, only the policy. So, the same policy may or may not be budget-friendly.

The company may also utilize a waiting period during which beneficiaries receive a premium refund. However, the full benefit would only apply once the waiting period passes.

Accelerated underwriting life insurance

Accelerated underwriting uses everything except the medical exam. Underwriters access applicants' public medical records and credit data. Typically, companies take applicants between the ages of 18 and 60. Regular life insurance underwriting could take weeks or even months. 

Simplified underwriting life insurance policies can be issued the same day with some online insurance providers. It is not guaranteed issuance, and licensed agents may refer some customers for a medical exam life insurance policy. However, death benefits could be higher than other no medical exam policies.

Group life insurance

Group life insurance is part of many employer benefit packages. No medical exam is required, and death benefits are typically small. More importantly, it's tied to your employment. So, if you separate from your employer, the policy will lapse. You can invest in higher death benefits by increasing your monthly deductions, but this is not required.

Fast approval needed

No medical exam life insurance typically has quick approvals, sometimes even on the same day. Consider this policy if you want to save time by skipping a medical exam. 

High-risk policyholders

High-risk applicants may not qualify for traditional life insurance policies. If you fall into this category, skipping the medical exam or the comprehensive health questionnaire may increase your chances of approval. 

People who fall into high-risk classification include but aren't limited to those who: 

• Have pre-existing health conditions  
• Work in a risky occupation (e.g., policemen, firefighters, construction workers, etc.)
• Engage in risky hobbies (e.g., skydiving, rock climbing, contact sports, etc.)
• Use tobacco products 
• Are seniors 

Smaller coverage amounts

Insurance companies take on additional risk by providing no medical exam insurance, as this policy leaves out crucial details regarding your risk profile. To offset the risk, insurers typically limit the amount of coverage you can get. 

If your coverage needs are minimal, for example, if you only need to cover end-of-life expenses, a no medical exam insurance policy may be an option.

No medical exam life insurance considerations 

Not everyone qualifies .

When it comes to eligibility, some small funeral cost policies are more flexible, especially if you have workplace life insurance. However, more sizable policies not connected to your workplace can only accept limited risk. 

That said, seniors, buyers with pre-existing health conditions, tobacco users , and other high-risk buyers may not qualify. However, whether you're eligible for no medical exam life insurance depends on the insurance company and your overall risk profile.

Underwriting requirements may still apply

How do insurance companies know who presents a more considerable risk? First, no medical exam doesn't mean your insurer won't check your medical records. Applications still include basic medical questions, and companies can rescind life insurance policies if you get caught lying on your application. 

More importantly, life insurance companies may still order a copy of your medical records. So, companies would go off your last blood tests or appointment notes if you have a history of high cholesterol, heart disease, diabetes, etc.

That being said, the underwriting waiting period can be extended as insurers gather medical data from other sources.

Limited coverage options

One thing to note is that companies only issue small life insurance policies without an exam. So, if you're looking for a $1 million policy or retirement planning options, you should make time for a short medical exam.

Potential for higher premiums

As mentioned, insurers assume an extra layer of risk by allowing policyholders to bypass medical examinations. As a result, expect higher premiums for a smaller amount of coverage. 

A workplace policy will be issued based on your employment and yearly benefit elections. If you want to find the best no exam life insurance companies , remember a few key things:

• Work with a qualified life insurance agent
• Choose a company or brokerage with medical exam options
• Compare quotes and coverage to ensure you understand what you're getting
• Be prepared for higher prices with limited death benefits
• Be honest on any health questionnaires

A no medical exam life insurance policy's simplicity may be deceiving. It takes one element out of the application process, but underwriters may pull medical records and be stricter about smoking, pre-existing conditions, age, and other common risk factors. Unfortunately, being denied by a life insurance company could make it harder to get life insurance coverage in the future.

Your agent can get a soft underwrite if you're working with a broker or company offering medical exam policies. If it looks like your application can be denied, your agent could run a medical exam life insurance application instead. 

The great thing about no medical exam policies is that many companies offer online estimates. Before you start the application process, you can compare pricing based on age, smoking status, desired coverage amount, etc.

The most important thing to remember is underwriters still consider medical history. So, when answering medical questions, answer honestly. If discrepancies arise later, leaving out details about your health may cause significant problems.

No medical exam life insurance FAQs

Not everyone can get no medical exam life insurance. Some insurers may deny coverage if your risk profile is too high or if you don't meet certain qualification requirements (i.e., age limits). 

No medical exams can benefit seniors and people with pre-existing conditions who are ineligible for the standard insurance policy. However, your insurer may deny coverage if you have severe or multiple health issues or don't meet age requirements (guaranteed issue life insurance is typically available to individuals between 50 to 80 years old).

The amount of coverage you can get without an exam depends on your policy type. However, you'll likely receive less coverage than the traditional life insurance.

Coverage limits for noo medical exams depend on the policy. According to Guardian life insurance , guaranteed issues offer minimal coverage, typically maxing out at $50,000. Simplified issue offers more coverage at $500,000. In general, policies with fewer requirements offer lower coverage limits.

Yes. Life insurance companies offering no medical exam life insurance policies take on an inherent risk. The companies still pull older medical records. But the fewer factors companies consider, the higher the risk. The higher prices and lower death benefits counterbalance the insurance company's risk.

You can often find no exam life insurance within the  group life insurance plan at your workplace. You can contact your benefits team if you have questions about the policy. In addition, we recommend talking to an insurance broker agent if you're shopping for a private plan.

No medical exam life insurance can be a good option if you only require smaller coverage amounts, you want coverage quickly, or you don't qualify for the standard life insurance policy. Buyers and agents should work together to personalize life insurance. Agents can help buyers identify an appropriate policy.

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

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

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Ulyanovsk city, Russia

The capital city of Ulyanovsk oblast .

Ulyanovsk - Overview

Ulyanovsk is a city in Russia located about 870 km southeast of Moscow, the administrative center of Ulyanovsk Oblast. It is named in memory of Vladimir Ulyanov (Lenin), a native of this city.

The population of Ulyanovsk is about 622,900 (2022), the area - 316 sq. km.

The phone code - +7 8422, the postal codes - 432000-432073.

Ulyanovsk city flag

Ulyanovsk city coat of arms.

Ulyanovsk city map, Russia

Ulyanovsk city latest news and posts from our blog:.

26 June, 2014 / Abandoned church in the middle of nowhere .

3 February, 2011 / Tough minibus of Ulyanovsk city .

14 November, 2009 / Ulianovsk city ammunition depot explosion .

History of Ulyanovsk

Ulyanovsk in the 17th-19th centuries.

In 1648, by decree of Tsar Alexei Mikhailovich, the fortress of Sinbirsk was founded on the right bank of the Volga River in order to protect the eastern borders of the Tsardom of Russia from the raids of nomadic tribes (Nogai Tatars), as well as to colonize the Volga region.

In the fall of 1670, Sinbirsk was unsuccessfully besieged by the army of Stepan Razin - the Don Cossack, who was the leader of the 1670-1671 uprising, the largest in the history of pre-Petrine Russia. In 1678, 1,579 people lived in Sinbirsk.

In 1729, the coat of arms of Sinbirsk was approved - a white pillar topped with a golden crown in the azure field. In 1780, Sinbirsk was renamed Simbirsk. In 1793, 13,317 people lived in this town.

In 1812, Ivan Goncharov, a famous Russian novelist and critic, was born in Simbirsk. In 1836, Emperor Nicholas I visited Simbirsk and made a lot of orders for the construction of new buildings in the town, especially in its central part. In 1840, the Simbirsk Theological Seminary was opened.

More Historical Facts…

In 1845, a monument to Nikolay Karamzin (1766-1826) was opened - the author of one of the first generalizing works on the history of Russia and a reformer of the Russian literary language, who was born near Simbirsk. Today, this monument erected in Karamzin Public Garden is one of the symbols of Ulyanovsk. In 1848, one of the first libraries in the Volga region was opened in this town - the Karamzin Public Library.

In the summer of 1864, a terrible fire occurred in Simbirsk, which lasted 9 days. Only one fourth of the town buildings survived. In 1867, the merchant Yurgens opened the first bookstore in Simbirsk. In 1870, the future “leader of the world revolution” Vladimir Ulyanov (Lenin) was born in Simbirsk. Alexander Kerensky, a prominent Russian politician and statesman, was born here in 1881. According to the 1897 census, 43.3 thousand people lived in Simbirsk.

Ulyanovsk in the first half of the 20th century

From 1908 to 1912, Igor Kurchatov, the future creator of the Soviet atomic bomb, lived in Simbirsk with his parents and studied at the local gymnasium. In 1916, the construction of the Imperial Bridge over the Volga River was completed in Simbirsk. With a length of 2,089 meters, it was the longest bridge in the Russian Empire at that time.

After the First World War and the Russian Civil War, the city’s industry was in ruin. During the war years, not a single building was constructed in Simbirsk, street lighting disappeared, boulevards and parks fell into disrepair, up to a hundred residential buildings were destroyed.

On May 9, 1924, in connection with the death of Vladimir Ilyich Ulyanov (Lenin), Simbirsk was renamed into Ulyanovsk, and Simbirsk Governorate - into Ulyanovsk Governorate. Other proposed options for the new name of the city were such as “Lenin”, “Leninsk”, “Ilyich”.

By the end of the 1930s, almost all churches in Ulyanovsk were destroyed or used for other purposes. On the eve of the Second World War, Ulyanovsk was a provincial city with a population of about 110 thousand people. There were no large industrial enterprises, with the exception of the 3rd State Plant named after Volodarsky (Ulyanovsk Cartridge Plant) - one of the oldest defense enterprises in Russia, specializing in the production of cartridges for rifled weapons.

During the Second World War, Ulyanovsk became the place of evacuation of 17 industrial enterprises from the occupied regions and the front line. The Minsk Tank School, renamed the 2nd Ulyanovsk Tank School, was relocated from Minsk, the Mogilev Military Infantry School, which became the Ulyanovsk Military Infantry School, was relocated from Mogilev. In 1942, a medical institute evacuated from Voronezh began to work in Ulyanovsk.

From October 1941 to August 1943, the Moscow Patriarchate was in evacuation in Ulyanovsk, headed by Metropolitan Sergius. From 1942 to 1945, Andrei Sakharov, the future creator of the hydrogen bomb, academician and human rights activist worked at the Ulyanovsk Machine-Building Plant.

On January 19, 1943, Ulyanovsk became the center of the newly formed Ulyanovsk Oblast. From the second half of 1941 to the beginning of 1942, the population of Ulyanovsk, due to the evacuees, doubled and amounted to more than 200 thousand people. By 1945, as a result of re-evacuation, it decreased by 50 thousand and amounted to 152 thousand people.

Ulyanovsk after the Second World War

In the post-war period, Ulyanovsk became an industrial city. In 1953, during the construction of the Volga cascade of hydroelectric power plants, part of Ulyanovsk was included in the flooding zone of the Kuibyshev reservoir. In 1957, the Ulyanovsk airport was built. Since the 1960s, thanks to the high rates of housing and industrial construction, Ulyanovsk began to grow rapidly both in area and in population. On May 5, 1967, the 300,000th resident of the city was born.

In the 1969-1970s, in honor of the celebration of the 100th anniversary of the birth of Vladimir Lenin, the historical center of Ulyanovsk was built up with modern buildings: the hotel “Sovetskaya”, the House of Artists, the Memorial Center of Vladimir Lenin, the hotel “Venets”, the new railway station Ulyanovsk-Tsentralny, the new river station, the central airport Ulyanovsk-Tsentralny, the central department store, the central bus station, the Palace of Pioneers, the park “Friendship of Peoples”, etc.

With the construction of the Memorial Center of Vladimir Lenin, Ulyanovsk became one of the main tourist centers of the USSR, after Moscow and Leningrad. The city was not closed to foreigners, which distinguished it from many other industrial regional centers, but foreign tourists were not allowed to deviate from the route. On June 1, 1973, the 400,000th resident of Ulyanovsk was born. On April 16, 1982, the population of Ulyanovsk exceeded 500 thousand people.

On June 5, 1983, in Ulyanovsk, the river cruise ship “Alexander Suvorov” crashed into the railway bridge across the Volga (the Imperial Bridge). By mistake of the crew, the ship tried to pass under the non-navigable span of the bridge. As a result, more than 170 people died. The large number of casualties is explained by the fact that at the time of the collision, most of the passengers were in the movie theater and on the dance floor on the upper deck, which was completely destroyed by the collision with the bridge girder.

On July 17, 1987, the 600,000th resident of Ulyanovsk was born. The city’s tourist significance declined sharply after the collapse of the USSR. In 1998, Ulyanovsk celebrated its 350th anniversary.

In the 2000s, there was a discussion about the reverse renaming of the city to Simbirsk, but the residents of Ulyanovsk for the most part did not support this proposal. In 2009, the arches of the old railway bridge were replaced. On November 24, 2009, the Presidential Bridge across the Volga was opened, the second longest in Russia, with a length of about 6 kilometers.

Streets of Ulyanovsk

General view of Ulyanovsk

Author: Vladimir Kropotin

Soviet architecture in Ulyanovsk

Hotel Venets in Ulyanovsk

Ulyanovsk - Features

From 1648 to 1780, the name of Ulyanovsk was Sinbirsk, and from 1780 to 1924 - Simbirsk. This name was given to the town by its founder, Bogdan Khitrovo, after the name of the settlement of Sinbir (named after the Bulgarian prince Sinbir), the remains of which were located nearby. In 1924, after the death of Vladimir Ulyanov (Lenin), Simbirsk was renamed into Ulyanovsk.

Ulyanovsk is located in a forest-steppe zone on the Volga Upland, on both banks of the Volga River (Kuybyshev Reservoir). The climate is moderately continental. The average temperature in February is minus 10.4 degrees Celsius, in July - plus 20.2 degrees Celsius. A characteristic feature of Ulyanovsk is the constant winds blowing from the Volga.

This city is a major transport point, lying between central Russia and the Urals. Neighboring regional centers are three to five hours away by car. There are two international airports near the city - Ulyanovsk-Central (ULV) and Ulyanovsk-Vostochny (ULY).

The banks of the Volga in Ulyanovsk are connected by two bridges. The old railway bridge was officially opened in 1916 and was named “Imperial of His Majesty Nicholas II”. In 1917, it was renamed Freedom Bridge. In 2009, it again began to be called “Imperial Bridge”. The new bridge (also called “Presidential Bridge”) was commissioned on November 26, 2009.

Public transport is represented by trams, trolleybuses, buses, and minibuses. In Ulyanovsk tram lines are located exclusively in the right-bank part of the city and trolleybus lines are in the left-bank part. In the last years of the USSR, it was planned to build a subway in Ulyanovsk.

It is a multi-ethnic city. The ethnic composition according to the 2010 All-Russian Population Census: Russians (77.65%), Tatars (12.64%), Chuvash (5.02%), Mordovians (1.4%). The economy of the city is based on the enterprises of the automotive industry, engine building, aircraft building, instrument making, machine building, and metalworking.

Ulyanovsk has a high potential for the development of the tourism industry. The tourist image of Ulyanovsk as “The Birthplace of Vladimir Lenin” is supplemented with some new ones now: “Russian provincial town of the 19th century”, “Homeland of Oblomov”, “Architectural Museum in the Open Air”.

The City Day of Ulyanovsk is traditionally celebrated on the second Sunday in September.

Main Attractions of Ulyanovsk

Lenin Memorial - a whole museum complex dedicated to Vladimir Ulyanov (Lenin) and his family. This is one of the largest historical and museum complexes in the Volga region. The main building was constructed for the 100th anniversary of Lenin’s birth in 1970.

This is the only museum in the world that reflects the entire life of Lenin. It has more than 70 thousand exhibits including authentic belongings of the Ulyanov family, documents, photographs, and other items related to different periods of Russian history. Lenin Square, 1.

House-Museum of Vladimir Lenin . The exhibition of this museum is located on the territory of a wooden estate - a monument of urban architecture that belonged to the Ulyanov family at the end of the 19th century. Lenin spent his childhood and youth here. Lenina Street, 68.

Novy Venets Boulevard - a pedestrian street in the center of Ulyanovsk located on the highest point of the city. From here you can see the Volga, Imperial Bridge, and city districts. The boulevard was finally built up in the 1960s. The construction of many buildings was related to the celebration of the 100th anniversary of Lenin’s birth.

Museum of Local Lore named after Ivan Goncharov . This museum occupies a beautiful mansion with an elegant tower built as a monument to the great Russian writer Ivan Goncharov. The exhibition halls display archaeological artifacts and fossils. A significant part of the exposition is devoted to the life and work of Ivan Goncharov. An interesting numismatic collection and an exhibition of folk costumes also attract the attention of visitors. Novy Venets Boulevard, 3/4.

Historical and Memorial Museum of Ivan Goncharov - a magnificent building, which is a historical and architectural sight of Ulyanovsk. In 1812, the famous Russian writer Ivan Goncharov was born in one of its rooms. The exposition occupies all three floors of the building. A separate hall is dedicated to the history of the building itself, in the remaining halls there are thematic exhibitions related to the personality of the writer and his family. There are also halls that house historical collections and a collection of merchant household items. The tower of the building houses the Museum of the History of the Simbirsk Town Clocks. Goncharova Street, 20.

Museum “Simbirsk Classical Gymnasium” . Simbirsk was one of the first Russian cities to introduce secondary education for children. The museum exposition is dedicated to the history of the development of education in the Russian Empire. It is located in a former gymnasium, where Vladimir Ulyanov and Alexander Kerensky studied at one time. Inside, the atmosphere of the 19th century has been recreated. The interiors of classrooms, halls, dressing rooms, and a gym have been restored. The building that houses the museum was constructed in 1790. Spasskaya Street, 18.

Museum “Fire Department of Simbirsk-Ulyanovsk” . The exposition of this museum is located in the 19th century building previously occupied by the town fire brigade. The museum was opened after the restoration of the building in 1979. The collection consists of pre-revolutionary and Soviet sections. In the central part there is a diorama depicting the fire of 1894 in Simbirsk. Lenin Street, 43.

Historical and architectural complex “Simbirsk Fortified Line” . At the time of the foundation of Ulyanovsk, the Simbirsk line protected the Russian land from the raids of nomads from the east. Today, you can find a unique historical and architectural museum here. It features a defensive fortress and an earthen rampart, which were restored based on historical documents and remains found by archaeologists in Simbirsk. The exposition includes examples of Russian weapons, old documents, maps, diagrams, decrees, and a model of a water mill. Leo Tolstoy Street, 43a.

Museum of the History of Civil Aviation . This museum located near the airport Ulyanovsk-Tsentralny has an airfield and 4 halls with exhibits illustrating the history of aviation from the time of the Russian Civil War to the present day. In terms of the total number of exhibits (about 9 thousand), it is the country’s largest aviation museum. One of the unique exhibits is the Tu-144 supersonic airliner. Aviatsionnaya Street, 20a.

Balalaika Museum - a unique museum with a collection of the rarest balalaikas (a musical instrument very popular in pre-revolutionary and Soviet Russia). The guests of the museum are invited to immerse themselves in the world of village music, to hear the sound of real peasant balalaikas. Here you can also taste tea made from herbs collected in the forests of the Ulyanovsk region. Bebelya Street, 19.

Savior Ascension Cathedral - a picturesque Orthodox church of sky-blue color built in the Baroque style in the 2000s to replace the demolished Ascension Cathedral (albeit in a different place). Ulyanovskaya Street, 2.

Holy Resurrection-Germanovsky Cathedral - one of the oldest churches in Ulyanovsk built in the early 18th century. During the years of Soviet power, it was closed and used as the state archive. In 2003, the building was returned to the Orthodox diocese. Gogolya Lane, 11.

House of Merchant Bokounin - a beautiful monument of wooden architecture, one of the architectural gems of Ulyanovsk. It was erected at the beginning of the 20th century on the territory of the estate of the Ulyanovsk merchant Sergei Bokounin. Part of the premises is occupied by the restaurant “Teremok”. Radishcheva Street, 4.

The Volga River (Kuibyshev Reservoir) - the largest artificial reservoir on the Volga created in the 1950s. The reservoir is 500 km long, with a maximum width of 44 km. Its powerful water resources are used to generate electricity. Due to its gigantic size, it significantly affected the Volga itself, changed the flow regime and began the processes of coastal washout. Home to many species of fish, the reservoir attracts fishing enthusiasts to its shores.

Ulyanovsk city of Russia photos

Ulyanovsk views.

Ulyanovsk Agricultural Academy

Architecture of old Simbirsk

Lenin is everywhere in Ulyanovsk

Sights of Ulyanovsk

Monument to Bogdan Khitrovo - the founder of Simbirsk (Ulyanovsk)

Author: Vladimir Baboshin

Tank IS-3 in Ulyanovsk

Light and music fountain Tornado in Ulyanovsk

Pictures of Ulyanovsk

Museum of Ivan Goncharov in Ulyanovsk

Simbirsk Photography Museum in Ulyanovsk

Ulyanovsk Museum of Local Lore

Author: Andrey Mishchenko

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