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What Is a Traveler’s Check?

• How It Works
• Where to Get Traveler's Checks
• Where to Cash Traveler's Checks
• Pros and Cons
• Alternatives to Traveler's Checks

The Bottom Line

• Personal Finance

Traveler's Check: What It Is, How It's Used, Where to Buy

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

Investopedia / Eliana Rodgers

A traveler’s check (sometimes spelled "cheque") is a once-popular but now largely outmoded medium of exchange utilized as an alternative to hard currency and intended to aid tourists. The product is typically used by people on vacation in foreign countries. It offers a safe way to travel overseas without the risks associated with losing cash. The issuing party, usually a bank, provides security against lost or stolen checks.

Beginning in the late 1980s, traveler’s checks have increasingly been supplanted by credit cards and prepaid debit cards.

Key Takeaways

• Traveler’s checks are a form of payment issued by financial institutions such as American Express.
• These paper cheques are generally used by people when traveling to foreign countries.
• They are purchased for set amounts and can be used to buy goods or services or be exchanged for cash.
• If your traveler's check is lost or stolen it can readily be replaced.
• Once widely used, traveler’s checks have largely been supplanted today by prepaid debit cards and credit cards.

How Traveler’s Checks Work

A traveler’s check is for a prepaid fixed amount and operates like cash, so a purchaser can use it to buy goods or services when traveling. A customer can also exchange a traveler’s check for cash. Major financial service institutions issue traveler’s checks, and banks and credit unions sell them, though their ranks have significantly dwindled today.

A traveler’s check is similar to a regular check because it has a unique check number or serial number. When a customer reports a check stolen or lost, the issuing company cancels that check and provides a new one. 

They come in several fixed denominations in a variety of currencies, making them a safeguard in countries with fluctuating exchange rates , and they do not have an expiration date. They are not linked to a customer’s bank account or line of credit and do not contain personally identifiable information, therefore eliminating the risk of identity theft. They operate via a dual signature system. You sign them when you purchase them, and then you sign them again when you cash them, which is designed to prevent anyone other than the purchaser from using them.

Many banks, hotels, and retailers used to accept them as cash, although some banks charged fees to cash them. However, with the rising worldwide use of credit cards and prepaid debit cards—such as the Visa TravelMoney card, which offers zero liability for its unauthorized use—it is getting much harder to find institutions that will cash traveler’s checks.

History of Traveler’s Checks

James C. Fargo, the president of the American Express Company, was a wealthy, well-known American who was unable to get checks cashed during a trip to Europe. In 1891, a company employee, Marcellus F. Berry, believed that the solution for taking money overseas required a check with the signature of the bearer and devised a product for it. American Express and Visa still use the British spelling on their products.

Where to Get Traveler's Checks

Companies that still issue traveler's checks today include American Express , Visa , and AAA . They often come with a 1% to 2% purchase fee. AAA now offers members pre-paid international Visa cards instead of paper checks.

In the U.S., they are available primarily from American Express locations. You can also buy traveler's checks online from the American Express website, but you need to be registered with an account. Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks.

American Express, Visa, and AAA are among the companies that still issue traveler’s checks.

Where to Cash Traveler's Checks

If you want to convert your traveler's checks into cash (instead of spending them directly), you can often deposit them normally at your bank. Many hotel or resort lobbies will also provide this service to guests at no charge. American Express also provides a service to redeem traveler's checks that they issue online to be deposited into your bank account. The redemption application online should take less than 15 minutes to complete.

Advantages and Disadvantages of Traveler's Checks

Traveler's checks are handy for tourists who do not want to risk losing their cash or having it stolen while abroad. Because traveler's checks can be reported lost or stolen and the funds replaced, they provide peace of mind. This was particularly a concern before credit cards and ATMs were widespread and affordable worldwide for most travelers. At the same time, these paper checks are now a bit outdated and come with a fee to purchase, making them potentially more expensive and cumbersome than using plastic or electronic payments.

Replaced if lost or stolen

Widely accepted around the world

Convenient to use

They don't expire

Must have the physical check to use it

Incurs a fee to purchase

Limited number of issuers today

Alternatives to Traveler's Checks

The most obvious alternative is to use a credit or debit card issued by a bank that works worldwide and charges low or no foreign exchange fees on purchases or ATM withdrawals. If your bank doesn't allow for this or charges high fees, then prepaid travel cards are the modern version of traveler’s checks. They allow you to get local currency from ATMs and make purchases with merchants—effectively eliminating the need for traveler’s checks.

Prepaid cards are not linked to your bank account, which prevents anybody from draining your checking account if the card gets lost or stolen—and you can’t go into debt. Credit cards offer similar (or better) protection, but you might not want to use your everyday card abroad. By using a dedicated travel card, you avoid spreading your card numbers around, which means you can be less vigilant about monitoring your accounts when you get back home. Visa and MasterCard both offer prepaid cards designed for use abroad. Those cards are available online, through travel agents, and at banks or credit unions. 

Travel cards should feature low ATM fees, technology that lets you operate like a local in foreign countries, emergency cash when you lose the card, and “zero liability” fraud protection. That said, prepaid cards can be expensive, so you need to compare fees against your other cards to decide whether or not a travel card makes sense.

For U.S. citizens living abroad for extended periods, maintaining checking and other bank accounts in the United States provides several advantages, and many checking accounts are friendly for foreign transactions .

Where Do You Buy Traveler's Checks?

You can buy still buy traveler's checks from American Express, Visa, and a handful of other financial institutions. To buy them, visit a location or check the website of an issuing institution. You may need a photo ID in order to set up an account.

How Do You Cash Traveler's Checks?

Many hotels, resorts, and currency traders will cash traveler's checks in exchange for local currency. However, with the rising prevalence of credit and debit cards fewer locations cash traveler's checks.

What Do You Do With Traveler's Checks?

Traveler's checks are a secure way of carrying money while abroad. Many businesses in the tourism industry will cash traveler's checks, and they can also be deposited into a bank account. Because the checks can be easily replaced, they have a lower risk of theft or loss. However, traveler's checks have fallen out of favor due to the increased convenience of credit cards and prepaid debit cards.

Traveler's checks were once a popular way to carry money while vacationing abroad. They are sold in fixed denominations, and can be used for purchases or cashed like an ordinary check. Traveler's checks can be easily replaced, making them less risky than carrying large amounts of cash. However, they have fallen out of favor due to the convenience of using credit or debit cards.

Sparks, Evan. “ Nine Young Bankers Who Changed America: Marcellus Flemming Berry .” ABA Banking Journal, June 26, 2017.

Time Magazine. " Travel (April, 1956): The Host with the Most ."

American Express. " Travelers Cheques ."

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Redemption of American Express ® Travelers Cheques

Travelers Cheques have been a timeless addition to the world traveler’s carry-on for over 130 years. While new Travelers Cheques are no longer issued, your Cheques remain backed by American Express and have no expiration date.

REDEEM WITH AMEX ANYTIME

NO EXPIRATION DATE

24/7 CUSTOMER SERVICE

BACKED BY AMERICAN EXPRESS

HOW TO REDEEM

Travelers Cheques can no longer be purchased but can be redeemed in several convenient ways. Here’s how:

REDEEM WITH AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

REDEEM ONLINE

Quickly and securely redeem your Travelers Cheques online .

Call American Express Customer Service at 1-800-221-7282 or find additional contact numbers based on your location to redeem over the phone.

DEPOSIT WITH YOUR BANK

Confirm whether your bank allows account holders to deposit Travelers Cheques. Fees may apply.

EXCHANGE FOR LOCAL CURRENCY

Travelers Cheques can be exchanged worldwide. Find exchange locations . Fees may apply.

TRAVELERS CHEQUES EXCHANGE LOCATOR

Find the nearest exchange location.

Service Center

Have more questions?

Here are some common scenarios and what to do.

UNDERSTANDING TRAVELERS CHEQUES

Keep your Cheques secure until you’re ready to redeem.

Protect yourself in case of loss or theft by signing on the upper signature line.

Record the serial numbers and keep them in a safe place when you travel.

Keep your Cheques tucked away and hidden like you would cash.

When the time comes, sign your Cheque on the lower signature line in sight of the person accepting it.

Find documents you may need in case of claiming inherited Cheques, lost or stolen Cheques, and more.

DOCUMENTATION

Additional documents may be required based on the claim type. Typical documents include:

• Valid Photo ID (Passport, Driver's License or Government Issued ID)
• Copy of the Voided Travelers Cheque(s)
• Refund Details

UPLOAD DOCUMENTS

Once you have gathered the required documents and filled out any required documents and forms, upload here. Clear images will help expedite processing.

UNABLE TO UPLOAD?

If you’re unable to upload your completed documents, you can send hard copies directly to American Express .

INHERITED CHEQUES

How to redeem your inherited Travelers Cheques if the original owner is deceased or incapacitated.

1. OPEN A CLAIM

Call American Express Customer Service at 1-800-221-7282 or find additional contact numbers based on your location to begin a claim over the phone.

2. IDENTIFY & LOCATE REQUIRED DOCUMENTS

List of required documents and forms can be found here . You’ll need these to submit your claim.

3. UPLOAD REQUIRED DOCUMENTS

Be sure to upload clear images for faster processing.

4. IF YOU’RE UNABLE TO UPLOAD

As an alternative to submitting online, you can also mail hard copies of your documents to American Express .

*Travelers Cheque Encashment service is provided by American Express Travel Related Services Company, Inc.

Can I buy Travelers Cheques?

Travelers Cheques are no longer issued and so cannot be purchased. 

Where can I redeem my Travelers Cheques?

There are thousands of foreign exchange partners in countries around the world where you can exchange your American Express Travelers Cheques for local currency. You can find places to redeem your Travelers Cheques using " Find Exchange Locations ". It may also be possible to redeem your Travelers Cheques directly for goods and services. Check first, though, with the merchant. American Express does not approve the use of its products, or any services related to its products, in the following territories: Crimea, Donetsk, and Luhansk Regions of Ukraine, Cuba, Iran, North Korea, Syria, Russia and Belarus.

Can I redeem my Travelers Cheques directly with American Express?

Yes, you can redeem your Travelers Cheques directly with American Express Travel Related Services Company, Inc. online . Alternatively, you can call American Express Customer Service at 1-800-221-7282 to register a redemption claim. You can find additional contact numbers based on your location. We may have to contact you with questions regarding your claim or to request additional information.

How do I redeem my Travelers Cheques?

You can redeem your Travelers Cheques directly with American Express Travel Related Services Company, Inc. Please refer the “How to Redeem” section above. Alternatively, simply present the Cheque at an eligible foreign exchange partner or merchant location. Make sure the acceptor watches while you countersign the Cheque on the lower signature line. Photo identification may be required. We strongly recommend you retain and carry your original Cheque purchase receipt with you when you travel. Commission charges may apply and can vary by country or exchange partner. Exchange limits may apply due to local regulations and exchange policies.

What happens if I sign my Travelers Cheques in the wrong place, or if my signatures don't match?

Acceptance of Travelers Cheques is based on the acceptor watching the customer sign the Cheque on the lower signature line, and then comparing that signature with the original signature on the upper signature line. The acceptor must observe the customer signing the Cheque. If the signatures are a reasonable match, the Cheque should be accepted. Photo identification may be required at the discretion of the acceptor. As always, if the acceptor is unsure, they should call an American Express Travelers Cheque Customer Service Center .

Is there a fee to cash Travelers Cheques?

Commission charges may apply and can vary by country and/or exchange partner. Before you travel, we recommend that you find the most convenient Travelers Cheque exchange locations using the Find Exchange Locations .

What happens if my Cheques are lost or stolen?

Lost or stolen Travelers Cheques may be refunded.* Please call Customer Service at 1-800-221-7282 or find the additional contact numbers for your current location. Have your recorder serial numbers on hand when you call.

* Terms & Conditions and restrictions apply. Identification and proof of purchase required.

How are Gift Cheques cashed?

When cashing a Gift Cheque, the recipient should fill out the "pay to the order of" line and countersign the Gift Cheque in the lower corner with the acceptor watching. If you encounter diffiulties in cashing a Gift Cheque in the United States, please encourage the merchant to call American Express for instructions at 1-800-221-7282 . If you are located outside of the U.S., you can find additional contact numbers to provide the merchant based on your location.

Can I redeem my Gift Cheques directly with American Express?

Yes, you can redeem your Gift Cheques directly with American Express Travel Related Services Company, Inc. online . Alternatively, you can call American Express Customer Service at 1-800-221-7282 to register a redemption claim. You can find additional contact numbers based on your location. We may have to contact you with questions regarding your claim or to request additional information. You can also find places to redeem your Gift Cheques using Find Exchange Locations . There also may be restrictions on the currency and method of redemption and the value of Gift Cheques that can be redeemed.

Still Need Help?

Call American Express Customer Service 24/7 at  1-800-221-7282 or find additional contact numbers based on your location.

American Express stopped issuing Travelers Cheques, so they’re no longer available for purchase. Support is available by phone and the American Express website for customers to redeem valid Travelers Cheques. Travelers Cheques remain backed by American Express and have no expiration date.

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Traveler’s Checks When Traveling Abroad — Useful or Outdated?

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

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

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3164 Edited Articles

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

What Are Traveler’s Checks?

Where to buy traveler’s checks, how to use traveler’s checks, what to do if traveler’s checks are stolen, 1. no access to credit or debit card, 2. limited access to atms, 3. access good exchange rates , 4. avoid common credit or debit fees, 5. as an added safety measure, 1. limited availability for use, 2. not all banks offer them, 3. potential for additional fees, 4. bulky paperwork, credit card, prepaid card, do your research, tell your bank you are traveling, don’t keep all of your money in 1 place, 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.

When traveling abroad, you might wonder how to pay for things once you arrive. Should you bring currency on your trip? Which currency should you bring? Can you get money once you arrive? How much cash should you carry at once?

Many of these questions can be answered by using traveler’s checks. Traveler’s checks might seem like an outdated choice, but they can still be useful in certain situations.

In this article, we’ll explain what traveler’s checks are, how they work, and when they might be worth the hassle. We’ll also explore other more common alternatives and give tips for obtaining foreign currency.

Traveler’s checks are documents that can be used like standard paper checks and cash. Travelers purchase them before they leave home to exchange for cash in the local currency when they arrive at their destination.

These checks are printed in varying denominations, and each check is uniquely numbered so that it can be replaced quickly if lost or stolen.

Banks, hotels, and merchants were once very used to accepting traveler’s checks. These places liked traveler’s checks because of the safeguards that were put in place. Basically, as long as the original signature matched the signature made at the time of the purchase, payment is guaranteed — eliminating any “bounced checks.”

Now, with the increased use of credit and debit cards (especially those with no foreign transaction fees ), prepaid cards, and ATMs on every corner, traveler’s checks have become less popular.

You may find it difficult to find banks or hotels that accept them , and if you do, you might be at the mercy of their business hours to cash them in.

How To Buy and Use Traveler’s Checks

You can still buy and use traveler’s checks in the U.S. and other countries.

You can find traveler’s checks offered by companies like American Express and Visa . You can also go to your local AAA office to purchase them.

The best place to purchase traveler’s checks is from your own bank, but unfortunately, many banks no longer offer traveler’s checks, including Chase, Wells Fargo, and Bank of America.

If you’re not sure if your bank offers traveler’s checks, it’s worth contacting them to confirm. If you are a customer, banks typically waive any fees to obtain them and this can add up because other companies can add on a 1% to 3% fee on top of the base currency amount that you request.

In order to obtain a traveler’s check, you will need to:

• Either go in person to an eligible bank or visit the website of the traveler’s check issuer.
• Select the total amount of currency to purchase.
• Submit payment, including any fees.

Once you have the traveler’s checks, you need to know how to use them. Traveler’s checks work a bit differently than other forms of currency. Here are the steps you’ll need to take:

• Sign the checks immediately. Follow the issuer’s instructions to find out where to sign (and only sign once).
• Leave evidence of your traveler’s check purchase somewhere safe. If checks get lost or stolen, you’ll need to provide proof of purchase along with check numbers to get a refund. Leave those details with a friend or save them online for easy remote access.
• Complete the payee and date fields. Once you have confirmed that the payee or bank will accept traveler’s checks, fill out the payee and date fields.
• Sign the check again. You must complete this portion in-person to ensure that the signature matches the original. You may also need to show some sort of identification as well. This is key to keeping traveler’s checks secure.
• If checks get lost or stolen, contact the issuer immediately. You may be able to get replacement checks locally, and the issuer needs to know which checks to cancel.

Traveler’s checks don’t expire , so if you don’t use them you can either keep them for future use or deposit them into your bank account once you’re home.

If all of your cash is stolen while you’re traveling abroad, you’ll have next to no chance of getting it back.

However, if this happens with your traveler’s checks, you’ll likely get them replaced as long as you’ve complied with your check issuer’s purchase agreement . This is the primary benefit of traveling with traveler’s checks.

Bottom Line: Treat your traveler’s checks like cash. If you lose your checks, you may not get replacements if your check issuer has reason to believe you didn’t safeguard them appropriately.

Here’s what to do if your traveler’s checks are lost or stolen:

• Call the customer service phone number provided by your issuer or find it by accessing their website.
• Provide proof that the check is yours by submitting the check number, proof of purchase, and your identification. It’s important to have easy access to this information for this reason.
• If required by your issuer, provide evidence that you have reported your stolen check to the police.
• Be sure to return any other refund paperwork requested.

If you don’t comply, you could experience delays or even have your claim denied. After you’ve reported your missing check, your provider will void it and issue you a new check.

Some issuers even pledge to get replacement checks out to you within 24 hours !

Best Ways To Use Traveler’s Checks

The following are situations when you might consider using traveler’s checks:

If you don’t have a credit card or a debit card tied to your bank account, a traveler’s check could be a safe alternative to simply carrying lots of cash abroad.

This tip also applies if your particular credit or debit card isn’t accepted abroad. This is more likely to happen if your card is something other than a Visa or Mastercard , as those credit cards claim the widest global network.

In many places, you can easily get cash in the local currency at an ATM once you arrive. This wouldn’t be a problem in Europe, for example, but ATMs are rare in some parts of the world. In addition, ATMs can malfunction, networks can be down, and machines might even run out of cash.

Traveler’s checks allow you to get local currency at participating banks, hotels, and other foreign locations without regard for these potential problems.

Buying traveler’s checks can help you avoid bad exchange rates. If you decide to exchange currency once you arrive, you might not get the best conversion rates by doing this at the airport.

By purchasing traveler’s checks before you leave, you can lock in a set amount at the current exchange rate.

Read our guide for the best places to exchange currency .

If your credit or debit card charges a foreign transaction fee , you can be charged a fee every time you make a purchase with your card in a foreign country. If your card also charges ATM fees, these fees can add up quickly.

To avoid these fees, it might make sense to use traveler’s checks. Although there may be a fee involved when you purchase or cash a traveler’s check, it might still be less than other fees your credit or debit card may charge.

Hot Tip: If your card charges a foreign transaction fee, it will typically be 3% of each purchase you make.

If you’re traveling to a potentially unsafe region, traveler’s checks keep your money secure. Even if you’re in a relatively safe place, anyone who enters your room or has access to your bags could search for your money.

The main benefit of traveler’s checks is that they reduce your risk of theft or loss. Since they can’t be cashed without your signature and often require a photo ID, they are less appealing to thieves or pickpockets. They can also be easily replaced if you provide the issuer with the proper information.

Cons of Using Traveler’s Checks

Here are some reasons that might discourage you from using traveler’s checks:

In much of Europe and Asia, traveler’s checks are no longer widely accepted and cannot be easily cashed — even at the banks that issued them.

This means that cashing in traveler’s checks might require hunting down a bank branch or hotel that accepts them during business hours.

Bottom Line: Those relying solely on traveler’s checks may find that they are unable to cash them in many remote or rural locations.

Certain major banks, such as Bank of America, no longer offer traveler’s checks at all. This might mean ordering traveler’s checks online well in advance of your travel plans or having to find a new bank that offers them.

If a company does offer traveler’s checks, it typically charges fees for both buying and cashing in a traveler’s check. While some banks offer them for free if you are a customer, others charge between 1% to 3% of the total purchase amount.

Check the math for your own situation, but using traveler’s checks could actually cost more than using an ATM or credit card abroad.

Not only are traveler’s checks a hassle to carry, but most companies also require that you keep proof of purchase for the checks to verify the check numbers if they are lost or stolen.

Both of these just add up to keeping track of additional paperwork.

Other Alternatives

Obviously, traveler’s checks aren’t your only option when it comes to obtaining foreign currency. Here are some other options you should consider.

Cash is convenient and relatively easy to exchange. You can bring money from home into a foreign bank or currency exchange location almost anywhere in the world. It can be easily exchanged without the worry of multiple bank fees or ATM fees adding up.

Hot Tip: Be aware: if you exchange your money in tourist areas, you might be hit with a bad exchange rate.

On the downside, carrying paper money is a risk since it can’t be replaced if stolen.

A debit card can be used at an ATM to collect cash. While not all ATM machines (especially in more rural places) accept foreign debit cards, you will find that most do.

Depending on your bank, you might even have to pay both an out-of-network ATM and an international ATM fee for this convenience.

Hot Tip: An out-of-network ATM fee is typically between $2 to $3.50 per transaction in 2021 and a typical international ATM fee can range from $2 to $7 per transaction (plus a 3% conversion fee), depending on your bank and card.

Most restaurants and stores accept foreign debit cards, but carrying a form of backup currency is always wise . Additionally, foreign transaction fees can add up quickly if you are using your debit card frequently.

Like debit cards, credit cards are small and easy to carry. Mastercard, Visa, and more recently, American Express , are widely accepted in other countries, so you can rest easy knowing you will be able to complete your purchases. You can also limit fees by getting a credit card with no foreign transaction fees .

A credit card also comes with fraud protection. You can dispute fraudulent charges and get them removed from your account if reported timely.

Hot Tip: While you can use a credit card for ATM transactions, you will be hit with a cash advance fee . It’s best to avoid doing this, if possible.

If you have difficulty getting approved for a credit card , a prepaid card could be a good alternative. You simply load the card with money from your bank account and use it as a debit card at an ATM or as a credit card at merchants and hotels.

While prepaid cards are locked with a PIN number, they can sometimes be difficult to use at ATM machines. Additionally, fees for foreign currency transactions can be as high as 7% , depending on the card.

Hot Tip: Booking hotels, airfare, or activities online will require either a credit card, debit card, or prepaid card.

Money Tips for Traveling Abroad

Know which types of currency are accepted at your destination and how much of each type (if any) you should bring. Especially be aware of any cash you might need on arrival (to obtain a visa , exchange upon arrival, etc.) in case you can’t immediately locate an ATM or a currency exchange office.

Carry a mix of cash, cards, and maybe even traveler’s checks. Ideally, the cards you bring with you shouldn’t have foreign transaction fees or ATM fees . Having some variety also helps if one of your cards isn’t accepted or your cash is lost or stolen. 

Always be sure to let your bank and credit card issuers know where you’re going and when so that your card isn’t declined when you try to make a purchase due to unusual activity.

If you exchange money at your bank, you will likely also get a better exchange rate.

Keep some of your currency or an extra card locked in your hotel room’s safe or in a money belt . In the terrible instance that you lose your purse or wallet, you would still have immediate access to additional money.

We’ve shown that traveler’s checks aren’t necessarily the most convenient way to take currency abroad, but depending on if you have limited access to debit or credit cards or they aren’t accepted where you are traveling, it might be worth it to bring some along.

Overall, if you’ve decided that traveler’s checks can be of use to you, taking some, along with some cash and a debit, credit, or prepaid card, may just be the smartest way to travel.

Frequently Asked Questions

Can you still buy traveler's checks.

While many larger banks are no longer offering traveler’s checks, they are still available at American Express and other smaller banks and credit unions. It is worth asking if your bank offers them and at what cost.

How much does it cost to buy traveler's checks?

While some banks offer them for free if you are a customer, others charge between 1% and 3% of the purchase amount.

What is the purpose of a traveler's check?

A traveler’s check offers a safer option than carrying around money. There are multiple safeguards in place to prevent fraud and if the checks are lost or stolen, they can be easily replaced.

Can you cash old traveler's checks?

Traveler’s checks do not expire. You can cash them in at any time — typically even at banks that don’t offer them for sale. This means you can go to your own bank and redeem your traveler’s checks.

To do this, date them, fill out the “Pay To” field (to your bank), and countersign in the presence of the cashier . Any unused value will be returned to you in cash.

Can I buy traveler's checks online?

American Express is the only large bank that offers traveler’s checks online. Its website offers a step-by-step process to order them.

You should check with your local bank or credit union to see if they might also offer this benefit.

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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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Everything you need to know about travelers checks

Are you planning to splurge on experiences, gifts, and food while you are abroad on your next international vacation? Leave your cash at home and bring a traveler’s check instead. While debit and credit cards have made traveler’s checks largely obsolete, it may be a viable option for your next trip. Learn about traveler’s checks, how to use them, and whether you should bring them on your next vacation.

What is a traveler’s check?

A traveler’s check contains a fixed amount of money and operates like cash. Bring a traveler’s check to a merchant to buy goods or services while traveling abroad. You can get traveler’s checks from financial institutions like banks and credit unions.

Traveler’s checks can come in a variety of currencies, so you can designate the appropriate currency for the country you’re planning to travel to. Traveler’s checks are great protective measures against both fluctuating exchange rates and personal theft. They come in fixed denominations that aren’t as volatile as normal exchange rates and they don’t expire. To protect you against theft, you must sign them when you purchase and cash them, so criminals will have a harder time duplicating your signature when attempting to use your traveler’s checks.

Alternatively, you can also convert your traveler’s checks into cash, which can then be deposited into your bank. Hotels may also cash traveler’s check with no charge. If you end up not using the full amount on your traveler’s check, you can conveniently return the funds to your bank account.

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Should you use a traveler’s check?

Traveler’s checks were primarily used before the popularization of credit cards and prepaid debit cards. Even so, traveler’s checks are still a worthwhile option for your next trip.

Benefits of traveler’s checks

Some benefits of traveler’s checks are:

• Replaceability: If a traveler’s check is lost or stolen, you can replace it. Each traveler’s check comes with a unique serial number. Call the check issuer to report it lost or stolen. They will likely require you to provide evidence of your purchased check through its serial number and your proof of identity.
• Convenience : Traveler’s checks operate like cash and are easy to use for purchases. You just need to load the amount you need, and you can use them around the world.
• No expiration : You don’t have to worry about traveler’s checks expiring. You can buy them when you want to and use them whenever you need them.

Cons of traveler’s checks

Some cons of using traveler’s checks are:

• Outdated: With the popularization of prepaid debit cards and credit cards, traveler’s checks are outdated. You can use credit cards and prepaid debit cards similarly to traveler’s checks.
• Fees: When you buy a traveler’s check, there is an additional fee. You can avoid this by using a debit or credit card instead.
• Limited issuers: Traveler’s checks aren’t available at all financial institutions. Unless your bank offers them nationwide, it can be hard to find them.

Send money with Western Union

If your friend or family member is traveling internationally, you can send them money with Western Union. Help them avoid fees from traveler’s checks by visiting our website or downloading the Western Union app . If you prefer to send money in person, you can visit one of our agent locations .

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All about traveler’s checks, plus modern alternatives

January 18, 2024 | 1 min video

Getting ready to travel? One thing to think about is how you’ll make purchases while you’re away. Traveler’s checks aren’t as common as they used to be. So you might want to consider modern alternatives that may offer the advantages of traveler’s checks and more.

Read on to learn more about the ins and outs of traveler’s checks. And find out about other options—for example, credit cards, prepaid cards and mobile wallets—that could help make the most of your trip.

Key takeaways

• Traveler’s checks are paper documents that can be exchanged for local currency or used to buy goods and services abroad.
• Traveler’s checks feature unique serial numbers, making them replaceable if they’re lost or stolen.
• Fees may apply when purchasing and exchanging traveler’s checks.
• There are modern alternatives to traveler’s checks that you may find more convenient.

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What is a traveler’s check?

A traveler’s check is a paper document you can use for making purchases when you’re traveling, typically in other countries. It can be used as cash or a regular check.

Traveler’s checks—you may also see them referred to as “cheques”—are generally printed with a unique serial number. This means you may be able to get a refund if your checks are lost or stolen. The checks are usually available in set denominations—$20 and $50, for example. 

How do traveler’s checks work?

Traveler’s checks may be accepted at participating merchants like hotels, restaurants and stores. Just keep in mind that there could be fewer participating merchants than there used to be.

When you purchase your checks, you may notice that they have a space for two signatures:

• First signature: You might be asked to sign each of your traveler’s checks when you buy them. If not, you may want to sign them as soon as possible. 
• Second signature: You’ll usually sign your traveler’s checks again when you’re making purchases.

This dual signature method is meant to provide extra security and ensure that only the purchaser is able to use them. The merchant can verify that the second signature matches the first.

How to cash in traveler’s checks

You can use traveler’s checks like cash to pay for goods and services at participating merchants. You’ll typically sign the check in front of the merchant at the time of the purchase.

While traveling, you may also be able to redeem your traveler’s checks for local currency at financial institutions or your hotel.

Potential fees associated with traveler’s checks

It’s possible that certain fees may apply to traveler’s checks. For example, you may need to pay a fee when you purchase them or when you exchange them for currency once you get to your destination. There might also be a fee for depositing unused checks into your bank account.

Where to get traveler’s checks

While traveler’s checks might be harder to find than they used to be, they’re still available. You may be able to purchase them at some banks, credit unions and travel-related service organizations.

Pros and cons of traveler’s checks

Take a look at some of the potential pros and cons of traveler’s checks:

When to use a traveler’s check

You might consider using traveler’s checks in certain situations, including: 

• When you don’t have a credit or debit card. Some people may prefer to travel using modern payment options like credit and debit cards. But if you don’t have either, you may find traveler’s checks to be an acceptable alternative.
• When you can’t access an ATM. If you find yourself in a place that doesn’t have an ATM on every corner, you can instead use your checks at merchants that accept them.
• When you want to exchange them for local currency. When you get to where you’re going, you might want to have some local currency on hand. You may be able to exchange your traveler’s checks for currency at certain banks or other financial institutions.

Modern alternatives to traveler’s checks

There are a number of alternatives to traveler’s checks—options you may find faster, easier and more convenient. Here are a few to consider when you’re comparing your choices:

Credit cards

Carrying a credit card may be easier than carrying traveler’s checks. Plus, credit cards can be helpful for making large and online travel purchases like plane tickets and hotel reservations. That’s especially true with travel credit cards , which you could use to earn rewards on travel-related purchases.

Some credit cards may also come with benefits that could be useful while traveling. They might include things like protection from unauthorized charges and the ability to use a mobile app to track your purchases .

Keep in mind that foreign transaction fees may come into play when you use your credit card overseas. While this fee might vary between credit card companies, it could generally be in the range of 1%-3% of your purchase. You may also be charged a currency conversion fee. This fee is often part of a foreign transaction fee.

Some companies don’t charge foreign transaction fees. For example, none of Capital One’s U.S.-issued credit cards charge this fee. View important rates and disclosures .

If you’re traveling with your credit card, your credit card issuer may want to be alerted before you go. That’s because it might flag your purchases as fraudulent if it notices purchases made in an unfamiliar location. Thanks to the added security of its chip cards, Capital One doesn’t require this notification.

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Debit cards

When you’re traveling, a debit card can be just as easy to carry around as a credit card. And like a credit card, it can help protect against fraud. 

The big difference: A credit card lets you “borrow” money for purchases, while a debit card uses the money in your checking account to make purchases.

It may be helpful to carry a debit card when you’re visiting a country that generally favors cash transactions. In that case, you could use your debit card at an ATM to get cash once you’ve reached your destination. And that may be safer than bringing cash with you and exchanging it for local currency once you’ve arrived. 

Keep in mind that you could be charged ATM fees when you use a debit card abroad. According to the Consumer Financial Protection Bureau (CFPB), some banks and credit unions don’t charge customers a fee for using their ATMs. But they might charge you if you’re not a customer—and that could be in addition to a fee charged by the operator of the ATM.

Also, be mindful that some banks may charge a foreign transaction fee when you make purchases abroad with a debit card. You may also be charged a currency conversion fee—often, this fee is folded into the foreign transaction fee.

Some banks, though, don’t charge foreign transaction fees. For example, Capital One doesn’t charge this fee for its 360 Checking account . 

If you take a debit card on your travels, your bank may ask you to notify it beforehand. That’s because it could notice transactions made in an unfamiliar location and potentially freeze your account. Capital One doesn’t require this notification , thanks to the added security of your chip card.

Prepaid cards

Like credit cards and debit cards, prepaid cards may be easier to carry around than cash. They may also offer some protection against loss, theft or fraud once you register them.

But with a prepaid card, you don’t “borrow” money like you do with a credit card—or use money from your checking account, like with a debit card. Instead, you typically add money to a prepaid card before using it.

According to the CFPB, there are a few ways you can add funds to a prepaid card. For example, you can transfer money from your checking account or load funds at some retailers or financial institutions.

You might be charged one or more fees for using a prepaid card. The CFPB notes that if you get your prepaid card from a retailer, you should find a summary of fees on the card’s packaging. If you get your card from a different provider—online or over the phone, for example—the provider needs to share this information on paper or electronically.

Mobile wallet

You’ll probably have your phone with you when you’re traveling, right? Using a mobile wallet to make purchases is another modern alternative to traveler’s checks.

A mobile wallet is essentially a digital version of your real wallet. Depending on the wallet, you may be able to store things like credit cards, debit cards, prepaid cards, boarding passes, hotel reservations, event tickets and other types of personal data. 

Mobile wallets can be convenient, allowing you to make quick and easy payments using your phone or other mobile device when you’re on the go. And they typically use advanced technology that prevents your actual account numbers from being stored in the wallet.

There are lots of mobile wallets to choose from. Researching your options could help you see which will work best while you’re traveling. Keep in mind, some merchants might not take mobile wallet payments.

Traveler’s checks in a nutshell

Traveler’s checks can be a helpful way to pay for things abroad, but there are also more modern options available today, like credit cards, debit cards, prepaid cards and mobile wallets. And with a travel credit card, you could earn rewards on your travel-related purchases.

Ready to upgrade the way you pay before your next trip? Compare Capital One travel credit cards today to find the best option for you, no matter where you’re headed. 

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Foreign transaction fees: What you need to know

article | August 10, 2023 | 8 min read

Update April 12, 2024

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What is the cheapest day of the week to book a flight?

The best day to book your flight depends on a number of factors, but there are general trends that you can follow to increase your chances of cheaper plane tickets. Based on an analysis of KAYAK data for all flights departing from inside United States over the last 12 months, the cheapest day to fly for domestic flights is Wednesday. For international flights, Tuesday had the cheapest tickets on average.

Which month of the year are flight prices lowest?

It’s well established that flights in the low season are generally cheaper than ticket prices during the high season. That means that knowing which month to find the lowest priced plane tickets will depend heavily on seasonality and your destination. While avoiding peak travel times can help you keep costs down, our data shows that the month with the lowest priced plane tickets for domestic flights based on all searches made on KAYAK in the last 12 months was January, while the most expensive was March. If you’re booking an international flight, then January is the cheapest month to fly and June the most expensive.

When is the best time to buy plane tickets - Last minute or in advance?

Last minute flight deals are definitely up for grabs but when exactly to purchase your plane tickets will depend on where you’re traveling to and from. Based on all data for flight searches made on KAYAK over the last 12 months, prices for domestic flights remained below the average price up to 1 weeks before departure. For international flights, deals could still be had up to 1 weeks prior to the departure date, with prices remaining below average. If you’re flexible, KAYAK brings you both advance and last minute one-way and round-trip flight deals.

Can flying international flights with a layover save money on airfare?

For many long-haul international flights, flying non-stop is not possible and you will have to fly with a layover. Some routes will offer both and you could consider flying with a layover for a number of reasons. Firstly, breaking up what would otherwise be a long-haul flight, taking a rest and then completing the journey might make the flight more manageable. Secondly, prices can also be lower than non-stop flights, so while it might take longer for you to reach your destination, you could save money. We’ve looked at prices over the last 12 months for the 100 most popular international destinations for KAYAK users and on average, prices for non-stop flights were cheaper than flights with a layover.

How does KAYAK find such low flight prices?

KAYAK processes over 2 billion flight queries annually and displays results from hundreds of airlines and third party sites, allowing it to find a variety of flight prices and options. It also displays results from 2M+ properties along with rental cars, vacation packages, activities and millions of verified reviews so users can see as many available travel options as possible.

How do I find the best flight deals on KAYAK?

A simple flight search at https://www.kayak.com/flights scans for prices on hundreds of travel sites in seconds. We gather flight deals from across the web and put them in one place. Then on the search results page you can use various filters to compare options for the same flight and easily choose the best flight deal from all of the deals coming straight from the travel sites to your screen, with no extra fee from KAYAK.

How can Hacker Fares save me money?

Hacker Fares allow you to combine one-way tickets on different airlines when it can save you money over a traditional round-trip ticket.

Does KAYAK query more flight providers than competitors?

Yes, KAYAK has access to more data and information than online travel agencies and consistently outperforms the competition in accuracy, globally.

How does KAYAK's flight Price Forecast tool help me choose the right time to buy?

KAYAK's flight Price Forecast tool uses historical data to determine whether the price for a given destination and date is likely to change within 7 days, so travelers know whether to wait or book now.

What is KAYAK's "flexible dates" feature and why should I care?

Sometimes travel dates aren't set in stone. If your preferred travel dates have some wiggle room, flexible dates will show you flights up to 3 days before/after your preferred dates. That way, you can see if leaving a day or two earlier will find you a better deal. You can also select the flexible "weekend" or "month" search options to widen your search range and find the cheapest price that works for you.

Search cheap flights with KAYAK. Search for the cheapest airline tickets for all the top airlines around the world and the top international flight routes . KAYAK searches hundreds of travel sites to help you find cheap airfare and book a flight that suits you best. Since KAYAK searches many plane ticket sites at once, you can find cheap tickets from cheap airlines and for trains and buses quickly.

KAYAK also helps you find the right hotels for your needs.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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.

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

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

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

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

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

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

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

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

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

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

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

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

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

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

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

Types of coverage

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

Benefits of travel insurance for seniors

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

Making the most of your plan

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

Understanding your policy

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

Emergency assistance services

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

How to pick senior travel insurance

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

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

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

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

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

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

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

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

You can read more about our insurance rating methodology here.

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

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

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

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

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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

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

**Enrollment required.

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CLEAR becomes TSA’s third official TSA PreCheck® enrollment provider

WASHINGTON and NEW YORK — The Transportation Security Administration (TSA) announced today that it is expanding TSA PreCheck® with CLEAR, which is now offering TSA PreCheck enrollment services at participating airports .

Since TSA first launched the TSA PreCheck program as a  DHS Trusted Traveler Program  for low-risk travelers in December 2013, active membership in the program has grown to more than 19 million passengers.  

“The TSA PreCheck trusted traveler program enables vetted, low-risk travelers to move through security more efficiently.” said TSA Administrator David Pekoske. “Additional enrollment providers make it easier for the public to enroll and enjoy a seamless travel experience.”

“TSA PreCheck with enrollment by CLEAR provides a fast and efficient airport experience,” said CLEAR CEO Caryn Seidman-Becker. “This is a win-win for U.S. travelers who will have access to more enrollment locations, expanded hours and other benefits.”

CLEAR now offers in-person TSA PreCheck enrollments and renewals at:

• Orlando International Airport (MCO) daily from 6 a.m. until 8 p.m. ET
• Sacramento International Airport (SMF) Sunday through Friday from 6 a.m. until 8 p.m. and Saturday from 6 a.m. until 6 p.m. PT
• Newark Liberty International Airport (EWR) daily from 6 a.m. until 8 p.m. ET.

Travelers will enroll at CLEAR’s dedicated TSA PreCheck airport enrollment pods. CLEAR will expand enrollment locations over time to additional CLEAR airport locations. Visit the TSA PreCheck program’s official website at https://tsa.gov/precheck for more information about renewing or enrolling in TSA PreCheck and to find enrollment locations and pricing information for all TSA PreCheck enrollment providers.

Following today’s announcement, TSA PreCheck members may renew their memberships online with CLEAR, IDEMIA or Telos, regardless of who they enrolled with initially.

TSA’s wait time benchmarks for TSA PreCheck lanes are under 10 minutes and under 30 minutes for standard lanes. TSA PreCheck members are able to wear their shoes, belts and light jackets through screening, and they can keep their laptops and 3-1-1 liquids in their carry-on bags.  

In May 2023, the agency announced that teenagers aged 13-17 may now accompany TSA PreCheck-enrolled parents or guardians through TSA PreCheck screening when traveling on the same reservation and when the TSA PreCheck indicator appears on the teen’s boarding pass. Children 12 and under may accompany an enrolled parent or guardian in the TSA PreCheck lanes without restriction. Enrollment providers submit applicant information to TSA, and TSA makes the final determination regarding an individual’s eligibility to participate in the TSA PreCheck program.

TSA PreCheck - What You Need to Know and How to Apply (2024)

I f you haven’t heard, TSA PreCheck for kids has gotten easier! We’ve been using it now for several years and see the benefit. I’ve certainly noticed the uptick in passengers using the expedited security lines at the airport. We feel it’s been worth the investment for the amount of time we spend at airports.

But what is TSA PreCheck, and how do you get it? And how does it work with minors, especially with the new policy? I’ll answer all your questions on TSA PreCheck for minors in this post. If you haven’t jumped on the bandwagon yet, here’s what you need to know about TSA PreCheck.

*Disclosure: This post may contain affiliate links, which means we may receive a commission if you click a link and purchase something that we have recommended. Please check out our disclosure policy for more details. Thank you for your support!

What is TSA PreCheck?

TSA stands for the Transportation Security Administration. TSA PreCheck is a Trusted Traveler program that allows pre-screened individuals to use special security lanes at US airports, called the TSA PreCheck lanes. It’s a must for frequent travelers.

With your 5-year membership, you’ll enjoy the benefit of avoiding regular security lines and getting to your gate faster! That means you don’t have to remove items such as belts, shoes, and light jackets. You can also leave laptops and travel-sized liquids inside carry-on bags.

Where can I enroll for TSA Precheck?

TSA PreCheck isn’t available at every airport, but it is available at 250 U.S. airports and counting. Click here to find a location near you.

How does the TSA application process work?

The process has a couple of steps. To start, you apply on the TSA website using this form . The whole online application process is fairly self-explanatory. Once it’s complete, you’ll be able to schedule an in-person appointment.

Within 45 days of completing your online pre-enrollment form, you’re required to visit an application center (locations can be found here ).

You will need to provide your biographic information including your name, date of birth, and address. You’ll also be fingerprinted and have your photo taken.

What are the necessary documents for TSA PreCheck?

Wondering what to bring to a TSA PreCheck appointment? You can find out about all the required documents needed for TSA PreCheck here . But it’s pretty straightforward:

• Valid ID : Make sure to bring a government-issued ID, such as a passport, or a driver’s license and birth certificate. Double-check the IDs are not expired.
• Appointment Confirmation : Bring the appointment confirmation with you.
• Payment : You’ll need to pay for your TSA PreCheck application during the appointment. This is good for 5 years.
• Proof of Citizenship/Immigration Status : If you’re not a US citizen, you’ll need to bring the necessary documentation to prove your immigration status or a permanent resident.

The non-refundable application processing fee of $78 can be paid through these acceptable forms of payment:

• credit card
• money order
• certified/cashier’s check

Cash and personal checks aren’t accepted.

What is a KTN?

After completing the application process, successful PreCheck applicants will receive a Known Traveler Number (KTN) via US mail in approximately 2-3 weeks.

You may also check the status of your application on the TSA PreCheck website by clicking on “Check My Service Status.”

Once issued, your Known Traveler Number (KTN) is valid for 5 years. You won’t receive a card to carry, but simply a letter with your KTN. Moving forward, you’ll need to provide this number when booking travel reservations.

How to Get TSA Precheck and Global Entry for Free

Several travel credit cards will reimburse your TSA PreCheck fees (and even Global Entry fees). For example, Chase Sapphire Reserve, Delta SkyMiles Platinum American Express Card, and Capital One Venture Card all offer reimbursement via a statement credit for TSA fees.

Now that you have your Known Traveler Number (KTN), what happens next?

When you travel, you’ll want to make sure the airline you’re flying has your KTN in advance. It must be printed on your travel documents. If you belong to a frequent flier program, go on the airline’s website and enter your KTN in their system.

Note that this doesn’t automatically populate every time you book a reservation. So, you’ll want to make sure that it is documented going forward each and every time.

What about TSA Precheck for minors?

So, let’s get to why you’re really here: TSA precheck for kids. It’s pretty straightforward but with a few caveats.

Do children need a TSA PreCheck membership?

Previously, if the whole family wanted to go through TSA PreCheck, those 13 years old and older needed to have their own membership. Thankfully, TSA PreCheck with teens has just gotten easier.

As of May 2023, the TSA PreCheck age has increased to include children of all ages (up to 18 years). That is, as long as they’re accompanied by an eligible parent or guardian. That means your five-year membership applies to all of your kids too!

Just like before, children between 2- and 12-years-old just have to be accompanied by a legal guardian enrolled in the program, no matter what. Kids between 13 and 17 years old just need to be on the same reservation as the accompanying adult.

For teens, just double-check to confirm that the TSA PreCheck indicator shows up on both your boarding pass and your teen’s boarding pass.

This new policy has really streamlined the process since most children don’t have a government photo unless it’s on a passport or a state-issued ID. Our children have passports, so we never had an issue.

Can my child use my TSA PreCheck for international travel?

You can use TSA PreCheck from any participating airlines at over 250 airports across the country, and this includes for international travel.

However, if you’re a frequent traveler abroad, you might want to also consider getting G lobal Entry . You’re eligible if you fly internationally at least 4 times a year. It gives you the benefit of expedited customs when coming back to the US.

As frequent international travelers, we invested in getting each of our kids their own membership, which has a similar policy to TSA Pre-Check.

TSA PreCheck is just one of four Trusted Traveler programs offered by the Department of Homeland Security. To find more information about the other programs such as Global Entry, you can read this comparison chart .

But what about an unaccompanied minor?

All minors traveling without TSA PreCheck-enrolled parents or guardians will need to apply for themselves.

Can I use my TSA PreCheck membership to take my child to their departure gate?

Let’s say your minor is a first-time traveler and you want to take them all the way to their departure gate. First, you’ll need to pick up a gate pass at the ticket counter when you arrive at the airport. But something to keep in mind is that gate passes cancel out TSA PreCheck benefits.

So, even if you’re a gate pass holder with your own TSA PreCheck membership, you’ll have to go through standard security lines. Your child will be able to go through TSA PreCheck screening, but you’ll still have to go through standard security screening.

Have you thought about TSA PreCheck for kids? Do you think it’s worth it?

So, now you know all the details about the updated policy on TSA PreCheck for kids and how to get your own membership. You’ll love the TSA PreCheck benefits! A faster precheck line means less of a headache on your way to your family vacation.

Especially during a busy summer season, the last thing you and your kids want to worry about is congested airport security checkpoints! As TSA PreCheck passengers, you can skip the frustration of standard screening and get right to enjoying your travels!

If you still have more questions, you can find a list of Frequently Asked Questions and Answers here: T SA PreCheck SaveSave

A first-timer's guide to Napa Valley

Apr 28, 2024 • 11 min read

Get to know Napa Valley with our first-timer's guide © Cassiohabib / Shutterstock

Napa Valley is synonymous with luxury. Posh hotels, chef-driven restaurants and extravagant tasting fees cemented that reputation decades ago.

But at its core, Napa is farm country— a place where people dig in the dirt and make a living from the land. Despite all odds, this gives Napa a grounded feeling, even in its swankiest spaces. At the end of the day, visitors come to Napa Valley because they love food, wine and beautiful scenery. It’s a passion shared by the community of this incredible locale. 

The five towns of Napa Valley (St Helena, Yountville, the city of Napa , Calistoga  and American Canyon) are home to 16 wine appellations and more than 400 wineries. The options can be daunting to first-time visitors but we’re here to help. From mud baths in Calistoga to tips for visiting wineries, our first-timer’s guide to Napa Valley will give you everything you need to know to plan a trip here, including the best hotels, wineries, restaurants and activities.

When is the best time to visit Napa? 

It’s always a good time to visit Napa in our book, however, the timing of your trip will impact your experience. Peak tourist season is in summer when the average high temperature is 82°F. If you plan to visit this time of year, you’re unlikely to find any bargains. Make your reservations for lodging, restaurants and wineries as far in advance as you can.

Spring and fall are the next busiest times of the year. Spring brings average high temperatures of 68°F while in fall, high temperatures average 78°F. The lower, but still pleasant, temps are especially appealing for visitors who plan to hike, bike or engage in other outdoor activities. 

Winter temperatures reach an average high of 60°F. This season gets the most rain (although this is California so there will still be plenty of dry, beautiful days). Since winter is the least crowded, it is the most affordable time to visit Napa with many hotels, resorts and spas advertising special packages and discounts off their regular rates.

How much time should I spend in Napa? 

Set aside three to four days for your Napa Valley itinerary. This allows enough time to visit your top wineries and restaurants, plus time for other activities like spa treatments, hiking, lounging by the pool or riding the wine train.

What are the top things to do in Napa Valley? 

Most people come to Napa to visit wineries – more on that later – but don’t overlook Napa’s exceptional culinary, wellness and recreation opportunities.

You can get filthy (in the best possible way) at the north end of the county in Calistoga. Calistoga is recognized around the world for mud made with a mixture of mineral-packed volcanic soil and water drawn from local hot springs. The two most common treatments involve painting it on your body or soaking in a tub of warm, nurturing mud. At least seven spas offer Calistoga mud experiences including the luxurious Spa Talisa at the Four Seasons Resort and Residences and the do-it-yourself mud bar at MoonAcre Spa and Baths . 

Calistoga is also home to two of Napa Valley’s most unique natural attractions. The Old Faithful Geyser is a smaller, but still impressive version of Yellowstone’s most famous jet spout . In Calistoga, Old Faithful shoots hot water 30–80ft towards the sky every 10 to 20 minutes. Just outside of Calistoga at the Napa/Sonoma border, a three million-year-old petrified forest with 1.5 miles of hiking trails provides a fascinating glimpse at geological history. 

No trip to the valley would be complete without a trip to downtown Napa’s Oxbow Public Market ,  a 40,000-sq-ft marketplace packed with locally sourced culinary delights. From California-grown olive oil at the Olive Press to artisan cheeses at the Oxbow Cheese and Wine Merchant , this is the place to stock up for a picnic or edible souvenirs. You’ll also find a bookstore, distillery, bakeries and restaurants. After you’ve finished browsing, find a seat on the riverfront deck out back to sample fresh oysters on the half shell from Hog Island Oyster Bar .  

With menus centered around locally-grown ingredients, Napa is almost as famous for fine dining as it is for wine. Food this fresh is revelatory. A dish, such as fermented soy dip served with raw vegetables pulled from the ground at the Charter Oak , will ruin you forever for grocery store veggies. Other bucket-list dining experiences include the six-course prix-fixe chef’s tasting menu at La Toque , the daily tasting menu at the French Laundry , and Kenzo Napa , where seafood is flown in daily from the finest fish market in Japan. Please note that reservations at these restaurants are coveted, and should be made as far as possible in advance. 

Don’t let these vaunted names fool you into thinking you need to spend a fortune to get a good meal in Napa. The valley is filled with scores of reasonably-priced restaurants including Heritage Eats in Napa where you can feast on comfort foods like a smoked ham bowl or white cheddar mac and cheese for less than $15 a person. For tasting menus, Thomas Keller’s ad hoc offers a daily tasting menu currently priced at $56 a person for lunch or $69 a person at dinner. The  Gate House Restaurant at the Culinary Institute of America offers three courses prepared by student chefs for $35 at lunch or four courses for $45 at dinner (please note that restaurant prices are always subject to change). 

For nightlife, the Blue Note Napa Jazz Club hosts an exciting mix of live performances ranging from household names to rising stars and tribute bands. It also holds the Summer Sessions outdoor concert series and the Black Radio Experience at the Meritage Resort and Spa . If you’re on the hunt for a good dive bar, Ana’s Cantina in downtown St Helena is the place for a game of pool, tunes from the jukebox and a stiff drink.

Other top activities in Napa Valley include hiking or biking the 12.5-mile  Napa Valley Vine Trail , which will eventually extend 47 miles from Vallejo to Calistoga.

Tips for visiting wineries in Napa 

Gone are the days when you can walk into virtually any Napa Valley winery and ask for a tasting without an appointment (or even a fee). Although there are a few wineries like Hall Wines in St Helena, where walk-ins are welcome, reservations are required at most wineries in Napa Valley. This helps ensure the wineries have adequate time to guide you through your tasting. From the guest's perspective, appointments are helpful when it comes to budgeting, arranging transportation and planning your Napa itinerary.

The average wine tasting fee in Napa Valley is $40 per person but it isn’t unusual for prices to climb to $200 or even more. Most wineries have a menu of tasting options, with standard tastings at the low end and premium experiences with food pairings, library wines, or guided tours commanding a higher price. Please note that the tip is not included in the tasting price so it will need to be factored into your budget. 

Expect to spend at least 90 minutes at each winery (often longer for premium experiences). For this reason, it’s best to stick to no more than two or three tasting room visits a day. We recommend clustering each day’s reservations in the same area so you won’t have to rush between wineries. For instance, in the Stag’s Leap District, Cliff Lede Vineyards and Baldacci Family Vineyards are only a mile apart. Cliff Lede’s Backstage Lounge Tasting Room Experience offers an elevated tasting with premium wines in a room filled with rotating art and rare rock memorabilia. At Baldacci, the Cave Tour and Tasting Experience includes a cave tour and barrel tasting followed by a seated tasting paired with seasonal appetizers. 

In the Rutherford area, Sullivan Winery is only half a mile from the Prisoner Wine Company . At Sullivan, the Merlot Mastery Tasting starts with a tour of the gardens and grounds before moving on to a seated tasting with two flights of its prized merlot accompanied by light bites. At Prisoner, you’ll find many culinary pairings including the Wine and Dim Sum Experience. 

Attire is wine country casual. A pair of nice jeans, golf shirts, sundresses or casual blouses are the norm in Napa Valley. Do wear comfortable shoes, especially if you plan to walk through the vineyards or participate in a tour.

Expert tip: The Covet Pass offers complimentary tastings at seven Napa wineries and seven Sonoma wineries, plus additional discounts for a one-time fee of $150. 

How to get around in Napa without a car

Napa Valley is 30 miles long and stretches at most 5 miles wide. In this sense, Napa is small and easy to navigate, but driving can be tricky in a destination centered around wine. Luckily, if you don’t have a designated driver there are several ways to get around Napa without a car. 

The Napa Valley Wine Train offers several tasting journeys including a 36-mile roundtrip through gorgeous scenery to disembark for seated tastings at Charles Krug Winery and V. Sattui Winery . A four-course lunch is served onboard. You can also hitch a ride to three tasting rooms in an open-air San Francisco cable car on the Napa Valley Wine Trolley . 

Many tour operators provide transportation to Napa wineries. Several, like Napa Valley Wine Country Tours , offer a choice between public group tours, which are less expensive, or private tours with a customized itinerary. 

If you prefer to get around by foot, base yourself in the cities of Napa or Yountville. Napa has more than 50 downtown tasting rooms and there are 14 walkable tasting rooms in downtown Yountville. 

Where to stay

If there was ever a place to treat yourself to a nice hotel, it’s Napa Valley. The region is home to some of the best hotels in the country, with grounds and accommodations so astonishingly beautiful you might not want to leave to go wine tasting (but definitely leave to go wine tasting). If you’re in the position to splurge our top picks are: 

The Poetry Inn is an exclusive property with only five guest rooms and a small, on-site spa. The all-suite hotel is the epitome of privacy and luxury with huge guest rooms featuring private sitting areas, outdoor patios, and indoor and outdoor showers with stunning hillside or vineyard views. A gourmet multicourse breakfast is included with each stay. Poetry Inn is the only hotel in the Stag Leap district. 

Meadowood Napa Valley in St Helena is set on a magnificent 250-acre estate with mature, oaks and native plants surrounding 36 suites and guest rooms with soaking tubs and private outdoor sitting areas. Hiking trails, tennis courts, swimming pools, a Wine Center and a tranquil spa ensure you’ll never lack activities during your stay. 

Carneros Resort and Spa offers standalone cottages and homes surrounded by rolling hills and vineyards in Napa. Amenities include a luxurious onsite spa, two swimming pools, pickle ball courts with an adjacent Veuve Clicquot Champagne Bar and Lounge, a complimentary buffet breakfast, and access to Cadillac Luxury Vehicles during your stay. 

If a mid-range hotel is better suited for your budget we recommend the Meritage Resort and Spa or Silverado Resort . The Meritage offers perks like a complimentary shuttle service to downtown Napa and a verdant lawn surrounded by tasting rooms and an upscale market. At the Silverado Resort, amenities include golf courses, bocce ball courts, a pool and a fitness center.

The most affordable lodging options in Napa Valley are generally found in American Canyon, which offers several reliable, reasonably-priced chains such as the DoubleTree by Hilton Napa Valley American Canyon and Holiday Inn Express and Suites Napa Valley American Canyon .

My favorite thing to do in Napa 

When I come to Napa I love to take a class to enhance my appreciation of food and wine or learn a fun, new skill. I’ve never been anywhere else where classes are so varied and accessible, so I take advantage whenever I can. Often, these classes are offered directly through my hotel. The Wine Center at Meadowood Napa Valley runs classes ranging from introductory tutorials on Napa wine to advanced courses on subjects like the history of the wine label. Carneros Resort and Spa has a dazzling array of daily classes focusing on everything from sabering champagne bottles to pickleball. 

The Culinary Institute of America is my hands-down choice for cooking classes with options for group or private instruction. I’ve also found classes offered at Napa Valley wineries. Bouchaine Vineyards regularly hosts an exciting roster of sessions on topics like pairing wine and cheese, blending wine and even falconry. 

How much do you need to budget for a trip to Napa?

The amount you’ll need to spend on a trip to Napa is highly variable depending on your itinerary and even the season you choose to visit. Although it is generally considered a luxury destination, you can still plan an affordable trip to Napa with the tips and tricks in this first-timer’s guide. The numbers below are not definitive but will provide a general idea of how much it costs for budget-conscious, midrange, and luxury travelers to visit Napa.

• Hotel room for two: $100–1200 a night 
• Rental home/Airbnb for two: $200–1000 a night 
• Wine tasting fees: $25–250 per person at each winery (not including tip) 
• Lunch for two: $30–100 per person
• Dinner for two: $100–300 per person (or more)
• Glass of wine: $13–50 
• Bottle of wine: $108 average
• Group shuttle to wineries: $125 per person
• Private transportation to wineries: $600 (and up) 
• Spa treatment: $100–400 per person (and up)

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Southwest Airlines said it launched a compensation program for  flight delays as part of a $140 million U.S. Department of Transportation settlement over the carrier's meltdown in December 2022 during a busy holiday travel period.

Southwest agreed in December 2023 to provide $90 million in travel vouchers of $75 or more over three years to passengers delayed at least three hours getting to their final destinations because of an airline-caused issue or cancellation and to start the program by April 30.

The airline said Monday it had quietly launched the program on April 16 and has already heard from a few thousand customers seeking vouchers.

The airline agreed to the compensation program after the holiday meltdown that resulted in 16,900 flight cancellations and stranded 2 million passengers. The settlement included a $35 million cash fine.

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A massive winter storm in December 2022 and subsequent chaos prompted travel horror stories such as people missing funerals or long-awaited holiday gatherings, passengers with canceled flights forced to make cross-country drives of 17 or more hours and some cancer patients being unable to get treatment.

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Southwest CEO Bob Jordan said in December that, given its operational performance, the $30 million in vouchers annually was "the right number" to commit to.

Asked if Southwest would end the program after three years, Jordan said consumer programs "rarely change or go away."

Rival U.S. airlines have not put in place similar programs and do not yet face a mandate to do so.

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President Joe Biden said last May that the DOT would propose new rules requiring airlines to compensate passengers with cash for significant controllable flight delays or cancellations by the end of the year. The DOT has not issued its proposal, and Congress has declined to mandate compensation for delays in a pending aviation reform bill.

Transportation Secretary Pete Buttigieg said last week Southwest under the delay compensation requirement will "really lead the market and it will be very interesting to see how other airlines respond – not as punishment but by way of competition."

The DOT in 2022 asked carriers if they would pay at least $100  for delays of at least three hours  caused by airlines and none agreed.

Most carriers – including Southwest – voluntarily committed in August 2022 to provide hotels, meals and ground transportation for airline-caused delays or cancellations but resisted providing cash compensation as is required in the European Union .